Progress
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Question 1 · Attitude
Rajiv, I want to calibrate your risk profile so I can build your IPS. This
takes 2 minutes — 8 multiple-choice questions. First: if your portfolio fell
by 20% in a month, what would feel closest to your honest reaction?
I'd hold — drops are the price of returns.
Question 2 · Capacity
Good. Now, capacity — not feeling, but math. If you stopped earning tomorrow,
how many months could your family run on current savings without touching
your investments?
12 to 24 months
Question 3 · Horizon
What's the earliest you realistically expect to draw from this money — not
emergencies, but planned use?
10+ years from now
Question 4 · Experience
Which of these have you used before? Tap the closest match.
Computing your BYLD Score…
Weighting Attitude 30% · Capacity 25% · Horizon 20% · Income 15% · Experience 10%
Growth
You have the temperament and the horizon to tilt your IPS toward equity. I'll draft a 65% equity / 20% debt / 10% gold / 5% alternatives allocation, with a ±5% rebalance band.
MIA will show you the draft IPS for your
approval before saving. Nothing is written without your confirmation.