InvestMatch
Answer a short risk and horizon questionnaire to see an illustrative portfolio allocation and how a monthly SIP could grow. Educational, not advice.
Turns a short risk-and-horizon questionnaire into an illustrative portfolio allocation, and projects how a monthly SIP into it could grow.
How to use it
- Answer the questions honestly rather than aspirationally — a risk answer you would abandon in a bad quarter is worse than a conservative one.
- Enter the monthly amount you can genuinely sustain, not the one you hope to reach.
- Read the allocation as asset categories and weights, and the projection as an illustration of the arithmetic.
- Change the horizon and watch the allocation move. That relationship is the thing worth taking away.
How it is calculated
Your answers produce a risk profile, which maps to an allocation across asset categories.
The horizon can downgrade that allocation: a short goal reduces the equity weight regardless of stated appetite, because volatility that is survivable over fifteen years is not survivable over two.
Growth is projected as an annuity-due monthly SIP at the modelled long-run return for the allocation, and is also shown adjusted for inflation.
A worked example
The same risk answers, two different horizons
- Stated risk appetite
- High, in both runs
- Monthly amount
- ₹20,000
- Run A — horizon
- 18 years
- Run A — allocation
- Equity-heavy; the horizon supports the volatility
- Run B — horizon
- 3 years
- Run B — allocation
- Substantially de-risked, despite the same stated appetite
One input changed and the allocation moved a long way. That relationship is the thing worth taking from the tool: appetite is what you feel in a calm month, horizon is a fact, and a short horizon overrides a high appetite every time.
Common mistakes
- Answering the risk questions aspirationally. An appetite you would abandon in a bad quarter produces an allocation you will sell at the bottom.
- Entering the amount you hope to invest rather than the one you can sustain every month for the whole horizon.
- Reading the projection as a forecast. It is one arithmetic path at one assumed rate — change the rate and see how far the answer moves.
- Using it before an emergency fund exists. The first real emergency then gets funded by selling this portfolio at whatever price the week offers.
What it assumes
- It is educational, not advice, and it is not a recommendation to buy anything. No specific fund or product is named or suggested.
- Returns are long-run illustrative assumptions for an asset mix, not forecasts. Real returns vary widely, in both directions.
- It knows only what you typed. It has no view of your debts, dependants, insurance, job security or existing portfolio.
Frequently asked questions
Is the allocation InvestMatch shows a recommendation?
No. It is an illustrative allocation matched to the risk tolerance and horizon you entered, shown to explain how those two inputs change a portfolio. It is not advice, is not personalised to your full circumstances, and names asset categories rather than specific funds.
Why did my allocation get more conservative than my risk answer?
Because horizon overrides appetite. A high risk tolerance with a two-year goal still gets a downgraded equity weight — the volatility that is survivable over fifteen years is not survivable over two, and a tool that ignored that would be flattering rather than useful.
What return assumptions does it use?
Each modelled path carries its own long-run assumed return, shown on the page beside the allocation, and growth is projected as a monthly SIP. These are illustrative long-run figures for the asset mix, not a forecast, and actual returns will differ — often substantially, and in both directions.