
Behavioural loss tolerance: Low
Behavioural Loss Tolerance
Shows how much loss you can emotionally handle without making impulsive or irrational decisions.
Low
Medium
High
Your Investment Personality
The Safety Seeker
Market volatility makes you anxious about your investments. You tend to be flippant in the way you express emotions and are more likely to interpret ordinary situations as threatening and minor frustrations as difficult. You often second-guess your financial decisions during economic downturns. You prefer predictable outcomes and prioritize protecting your money over chasing high returns but often struggle with long-term strategies due to fear of uncertainties.
Behavioural loss tolerance: Low
Behavioural Loss Tolerance
Shows how much loss you can emotionally handle without making impulsive or irrational decisions.
Low
Medium
High
Strengths
Highly risk-aware
Avoids reckless decisions (i.e. Chasing short-term rebound during market downturns).
Hightened sensitivity
Early risk detection in the markets, reducing exposure to market crashes.
Weaknesses
Emotional reactivity
Market downturn may trigger anxiety-driven decisions, such as premature divestment.
Lower financial resilience
Struggles with long-term strategies due to stress over short-term fluctuations.
Missed growth potential
Overlooks long-term compounding due to overcaution.
Low self-confidence and self-efficacy
Avoids investing due to fear of uncertainties and fear of regret.
Pessimistic
Amplifies negative market news and overweighs negative outcomes.
Your investment style is Capital preservation
Here are some options often associated with this investment style:
Stable Assets with Guaranteed Capital
Low-risk assets that aim to protect the original capital while generating consistent returns, ideal for conservative investors seeking capital preservation and low volatility.
Money Market Funds
Invest in short-term, low-risk assets to offer better returns than savings accounts, with high liquidity and capital stability.
Why?
Stable assets with minimal risks help you sleep better at night.
Watch out for...
Keeping too much cash (Loses to inflation).
Ready to build your portfolio?
Build Your Financial Cushion
Build a 6 months emergency fund first.
Save with Stability
Put funds for short-term goals in High-Yield Savings Account, Fixed Deposit or Certificate of Deposit.
Grow with Low Risk
Contribute to your long-term portfolio using Insurance Endowment Plan or Money Market Funds.
The investor’s bookshelf
These are some independent resources for further learnings based on your personality.

The Psychology of Money - Morgan Housel
Explores how emotions drive financial decisions, with strategies to avoid anxiety-driven mistakes.

Thinking, Fast and Slow - Daniel Kahneman
Explains cognitive biases like loss aversion and pessimism, helping anxious investors reframe risk.

Your Money and Your Brain - Jason Zweig
Illuminates the emotional battles we face when managing our money using neuroscience.