ETF Quiz
This questionnaire exists to turn a situation into filter criteria, which is the part most investors skip: it asks for an investment horizon, a tolerance for falls, a preference between accumulating and taking income, a country of tax residence and an intended wrapper, then derives the matching filters and opens the search with those filters already set. It scores no profile and ranks nobody: it turns answers into criterion values, maximum fees, minimum assets, eligibility, distribution policy, risk level, which you can then change one by one. The most useful question is the one about tolerance for falls, because it is the only one whose honest answer can be checked against behaviour, and because a portfolio sold at the bottom costs more than any fee gap ever will. The second useful question is the wrapper, because it decides, ahead of any fund, how the returns are taxed, and so decides a share of the return that no fee comparison can win back.
Published by Radif Partners · Updated
What's your goal?
Choose what best matches your expectations.
Frequently asked questions
What does this quiz tell me?
It turns three questions, your horizon, what you would do after a thirty per cent fall, and what you want the money for, into a starting allocation and a shortlist of categories that fit it. It is a way to narrow a list of hundreds of funds to a handful, not a risk assessment and not advice.
Is the result an investment recommendation?
No. The result reflects the answers you gave, and those answers are declarations rather than measurements: most people overestimate their tolerance for a fall until they see one. Treat the output as a hypothesis to test against the guides, and remember that the choice of index matters more than the choice of fund within it.
What is not in the questions?
Your debts, your emergency savings, your job security and your tax residence, all of which change the right answer more than your appetite for risk does. Paying off a consumer loan at eight per cent beats any expected return from an index fund, and no allocation makes sense before three to six months of expenses sit in cash.
Why the horizon governs everything
A two-year horizon and a twenty-year horizon do not lead to the same asset, whatever risk tolerance is declared. Over two years a thirty per cent fall has no time to be recovered, so it is a matter of calendar rather than character. Over twenty years annual volatility matters less than annual cost, because one partly cancels out and the other accumulates. That is why the first question is about when the money will be used, not about temperament.
What the questionnaire is not
It is neither investment advice nor a suitability assessment in the regulatory sense: those acts belong to an authorised professional, who must know your assets, income, commitments and knowledge. The questionnaire does not keep your answers on a server and builds no lasting profile. It produces a starting point for a search, which nothing obliges you to follow.