Before recommending any financial product, regulated brokerages and banks in Brazil are required to run an "investor profile analysis" (suitability), which combines risk tolerance, time horizon, knowledge and financial situation to classify the investor into a profile tier.
This quiz follows the same logic with 10 questions covering investment horizon, emergency reserve, reaction to losses, knowledge and income stability, and returns one of 5 profiles: Conservative, Moderate, Moderate-Bold, Bold or Aggressive.
Each of the 10 questions has 4 answer choices worth 0 (most conservative) to 3 (most bold) points, adding up to 0-30 points total. Question order is shuffled on every attempt, but the question set itself stays fixed, just like a real suitability questionnaire, which can't vary its items if it wants a consistent classification.
The final score determines the tier: 0-6 Conservative, 7-13 Moderate, 14-18 Moderate-Bold, 19-24 Bold, 25-30 Aggressive, 5 tiers instead of the traditional 4, since real suitability questionnaires vary from institution to institution (this isn't an academic model with a fixed category count), and an intermediate transition tier is common in practice.
Important: this is an educational quiz and does not constitute investment advice, nor does it replace the formal investor profile (suitability) analysis required by CVM regulation, which must be performed by a licensed financial institution before any investment.
You prioritize protecting your capital over any extra return. You prefer predictable instruments, avoid sharp swings, and want to know in advance roughly what you'll get back. Conservative investors tend to concentrate their portfolio in low-risk fixed income and value liquidity over upside potential.
You accept some volatility in exchange for a better return than pure fixed income, without giving up a solid, predictable base. You tend to combine safety with a smaller slice of market exposure, balancing protecting what you have with growing it.
You're already comfortable with more market exposure than a typical moderate profile, but you still want a meaningful safety cushion. It's a common transition band between "protect what you have" and "prioritize growth", it's usually worth being explicit about which of the two priorities weighs more for you, since the profile hasn't clearly leaned toward either side yet.
You tolerate volatility well in pursuit of higher returns and understand that swings come with the territory over the medium and long term. You tend to keep a meaningful share of your portfolio exposed to the market, while keeping a fixed-income base as a safety cushion for the unexpected.
Long-term return matters more to you than short-term stability. You're willing to live with sharp, unpredictable drops in exchange for the potential to multiply your wealth, and you tend to feel comfortable concentrating a large share of your portfolio in higher-risk assets.
No. It's an educational snapshot of your self-reported risk tolerance, meant to help you get oriented before talking to a brokerage or advisor. We do not recommend specific products, assets or allocations.