Section 1 of 13
Client Profile
Personal Information
Occupation & Income
Existing Financial Position
Advisor Notes
Section 2 of 13
Discovering the Client's "Why"
Ask the client to identify their most important financial goals. For each active goal, capture the details below. Prompt with examples if the client is unsure.
Life Goals Matrix
| Goal | Active? | Priority | Target Amount (₹) | Timeline (Yrs) | Emotional Score (1–10) |
|---|
Goal Discovery Conversation Prompts
Opening Question
"If we met again in 10 years and you were celebrating a perfect financial outcome — what would that look like for you?"
"If we met again in 10 years and you were celebrating a perfect financial outcome — what would that look like for you?"
Follow-up Probe
"Apart from retirement, is there anything in the next 3–5 years that you need to financially prepare for?"
"Apart from retirement, is there anything in the next 3–5 years that you need to financially prepare for?"
Emotional Anchor
"On a scale of 1–10, how would it feel if you couldn't achieve [their main goal]? What would that mean for you personally?"
"On a scale of 1–10, how would it feel if you couldn't achieve [their main goal]? What would that mean for you personally?"
Legacy Probe
"Do you think about leaving something behind for your children or a cause? Is wealth transfer or charitable giving part of your picture?"
"Do you think about leaving something behind for your children or a cause? Is wealth transfer or charitable giving part of your picture?"
Additional Goal Notes
Section 3 of 13
Investment Experience Assessment
Rate the client's familiarity and active usage of each investment category. Click the level that best describes their experience.
Scoring
Experience Score (auto-calculated)
0
/50
—
Rate the instruments above
Category Thresholds
Beginner0–9
Basic10–18
Intermediate19–28
Advanced29–39
Sophisticated40–50
Advisor Notes on Investment History
Section 4 of 13
Risk Tolerance Assessment
Read each question to the client and record their response. Scores are automatically tallied. This measures emotional and psychological comfort with risk — distinct from financial capacity.
Risk Tolerance Score
0
/80
—
Answer questions above to calculate score
Section 5 of 13
Risk Capacity Assessment
Advisor Note: Risk Capacity is objective — the client's financial ability to sustain losses. Risk Tolerance is psychological. Both must be assessed separately and then reconciled. Use the more conservative of the two in recommendations.
Risk Capacity Score
0
/40
—
Answer questions above to calculate
Section 6 of 13
Investment Horizon Assessment
Q 6.1
What is your primary investment horizon — when would you most likely need this money?
Short Term (0–3 years)
Near-term goals: emergency needs, planned major expense, travel, home renovation
Medium Term (3–7 years)
Child's education, business investment, home purchase down payment
Long Term (7–15 years)
Retirement corpus, wealth creation, financial independence
Very Long Term (15+ years)
Legacy creation, inter-generational wealth, ultra-long retirement horizon
Q 6.2
If we face a significant market downturn 18 months into our investment journey, and your portfolio is down 25%, what would your most likely action be?
I would need the money urgently — must exit
Would be uncomfortable — likely reduce exposure
Would hold — don't need the money for years
Would add more — this is a buying opportunity
Q 6.3
Do you have any major known expenses or financial commitments in the next 24 months?
Horizon Summary & Investment Implications
SHORT TERM (0–3 Years)
Liquid Funds, Ultra Short Duration, FD laddering, Arbitrage Funds, Low Duration Bond Funds. Equity allocation ≤ 20%.
Liquid Funds, Ultra Short Duration, FD laddering, Arbitrage Funds, Low Duration Bond Funds. Equity allocation ≤ 20%.
MEDIUM TERM (3–7 Years)
Balanced Advantage Funds, Hybrid Equity, Corporate Bond Funds, Gold. Equity 40–60% acceptable.
Balanced Advantage Funds, Hybrid Equity, Corporate Bond Funds, Gold. Equity 40–60% acceptable.
LONG TERM (7–15 Years)
Diversified Equity (Large/Mid/Small Cap), Index Funds, International Equity. Equity 60–80% appropriate.
Diversified Equity (Large/Mid/Small Cap), Index Funds, International Equity. Equity 60–80% appropriate.
VERY LONG TERM (15+ Years)
Full equity bias, Sectoral/Thematic funds, Direct equity, AIF/PMS for HNIs. Equity 75–90% appropriate.
Full equity bias, Sectoral/Thematic funds, Direct equity, AIF/PMS for HNIs. Equity 75–90% appropriate.
Section 7 of 13
Return Expectation Assessment
Q 7.1
What annual return from your investments would make you genuinely satisfied?
6–8% per annum
Slightly above FD / inflation-beating. Capital preservation priority.
8–10% per annum
Reasonable balanced portfolio expectation. Realistic and achievable.
10–12% per annum
Equity-biased portfolio over long term. Requires patience through volatility.
12–15% per annum
Aggressive equity allocation. Requires 7–10 year horizon and high risk tolerance.
15%+ per annum
Very aggressive. Requires concentration risk, higher volatility, and favourable market cycles.
Q 7.2
Are you aware that higher returns always require accepting higher risk and potential short-term losses?
Yes, fully understand
Partially understand
Need clarification
Q 7.3
Have you had a reference return in mind? Did you benchmark against a specific product (like an FD or a relative's portfolio)?
Advisor Commentary on Return Expectations
Select a return expectation above to see advisor commentary.
Section 8 of 13
Liquidity Requirement Analysis
Q 8.1
Do you have a dedicated emergency fund (separate from investments)?
No emergency fund
High liquidity requirement — must build before investing
Partial — less than 3 months expenses
Adequate — 3–6 months expenses in liquid instruments
Strong — 6+ months in savings / liquid funds
Q 8.2
Do you anticipate any large lump sum requirement from investments in the next 12–18 months?
Yes — likely
Possibly
No — not expected
Q 8.3
If you have a business, do you sometimes need to deploy personal funds into the business for working capital?
Regularly
Occasionally
Rarely / Never
N/A — Salaried
Q 8.4
Do you have any family obligations that may require large unexpected disbursements (medical events, dependent support, marriage in family)?
Liquidity Classification
🟢
LOW LIQUIDITY NEEDStrong emergency fund, no near-term large expenses. Can commit to long lock-in products (ELSS, NPS, long-duration debt, PMS).
🟡
MEDIUM LIQUIDITY NEEDSome near-term obligations. Keep 20–30% in liquid/short-term. Avoid products with 3+ year lock-ins.
🔴
HIGH LIQUIDITY NEEDFrequent cash requirements. Must prioritise liquid instruments. Defer long-term investing until emergency fund is built.
Section 9 of 13
Behavioural Finance Analysis
These questions uncover unconscious decision-making patterns. Ask conversationally — do not frame as right/wrong. Record what you observe, not just what the client says.
Behavioural Bias Summary
Section 10 of 13
Client Investor Persona
Based on all sections completed, select the investor persona that best fits this client. This drives the advisory narrative and communication style.
Section 11 of 13
Asset Allocation Engine
Model Portfolio Matrix
Recommended Allocation for This Client
Complete Sections 4–6 to generate a personalised recommendation.
Section 12 of 13
Investment Suitability Report
Section 13 of 13
Client Readiness Score