IPS & BYLD Score — Part 2

MIA Chatbot-First UX — iPhone 16 Pro — 402 × 874 px

Conversational AI
9:46
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MIA
IPS Questionnaire • Step 4/5
M
Now let's understand your financial situation. What type of income do you have?
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Salaried
Business Owner
Mixed Income
Retired
Salaried
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M
Great. And how stable would you say your income is?
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Very Stable
Somewhat Stable
Variable
Very Stable
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M
Almost there! A few quick details:
  • Monthly obligations (EMIs, rent, etc.)?
  • Number of dependents?
  • Do you have 6+ months emergency savings?
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Obligations
₹1,20,000
Dependents
2
Emergency Fund
YES
1.2L obligations, 2 dependents, yes I have emergency fund
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1 — Financial Situation (MIA Chat)
9:48
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MIA
IPS Questionnaire • Step 5/5
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Last Step
Almost done! Two quick questions about your investment style. When markets crash, do you typically...
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Check portfolio hourly
Check weekly
Ignore and wait it out
I check weekly
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M
Balanced approach! And for your investments — do you prefer them to be...
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Fully managed for me
Mix of self & managed
Self-directed
Fully managed for me
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M
Perfect! That's everything I need. Let me calculate your BYLD Score now...
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Analyzing your profile...
Calculating risk score, asset allocation, and personalized recommendations
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2 — Behavioural (MIA Chat)
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Your BYLD Score is ready! Here's what I found based on our conversation.
73 /100
Growth-Oriented
Balanced Builder
Asset Mix
Equity65%
Debt25%
Alternatives10%
M
Your stable income and high risk comfort make equity-heavy allocation ideal. Long horizon means compounding works in your favor.

One thing to watch: Consider building emergency fund before aggressive investing.
3 — BYLD Score Result

Your Investment Profile

A complete overview of your IPS.

73/100
Last computed: 12 Mar 2026
Growth-Oriented
Your Goals
💰 Wealth Creation Priority 1
🏖️ Retirement Planning Priority 2
🆘 Emergency Fund Priority 3
Current vs Recommended
Current ▲ Mismatch
45%
40%
15%
Recommended
65%
25%
10%
Equity
Debt
Alternatives
M
Based on your BYLD Score of 73 and Growth-Oriented profile, I recommend BYLD Wealth (RIA Advisory) for personalized portfolio management.
Advisory fee: 1.0% p.a. • Fiduciary duty
4 — IPS Profile Summary