Investment Questionnaire - Cash, Fixed Income and Equities
This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.
How the investment questionnaire - cash, fixed income and equities calculator works
It scores your goals and risk tolerance, then translates the result into a three-way split across the core asset classes — cash for near-term needs, fixed income for stability and equities for growth.
Worked example: with years until you need the money of 20 and comfort with market swings (1–10) of 6, the investment questionnaire — cash, fixed income and equities shows suggested mix of 74% equities.
- Risk score
- 74/100
- Profile
- Moderate
- Equities
- 74%
- Fixed income
- 22%
| Years until you need the money | Suggested mix |
|---|---|
| 5 | 44% equities |
| 15 | 64% equities |
| 25 | 74% equities |
| 40 | 74% equities |
The formula
A blended risk score (horizon, risk comfort, income stability) sets the equity weight; the rest is divided between fixed income and a small cash buffer.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the investment questionnaire - cash, fixed income and equities
What are the three core asset classes?
Cash (liquid and stable), fixed income (bonds, which provide steadier income), and equities (stocks, which drive long-term growth but swing more). Most portfolios blend all three.
How much cash should I hold?
Enough for near-term needs and emergencies, but not so much that inflation erodes it. The calculator sets a modest cash slice scaled to your risk profile.
Why hold fixed income at all?
Bonds cushion a portfolio when stocks fall and provide income, smoothing the ride. The trade-off is lower long-run growth than equities — so the mix depends on your goals.
Is the Investment Questionnaire - Cash, Fixed Income and Equities free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.