Turn your risk profile result into actual fund picks
Take the Schwab risk quiz, then bring your result here. We'll translate it into the right ETFs and percentages for your specific account and broker — no guessing required.
How this works: We use the Charles Schwab Investor Profile Questionnaire as the standard because it produces five consistent, clearly defined risk buckets with exact allocation percentages. Take the quiz, note your result, then enter it below. The quiz and the broker you invest at do not need to match — you can take the Schwab quiz and invest at Fidelity, Vanguard, or anywhere else.
Step 1 — Take the risk profile quiz
We recommend the Charles Schwab quiz — it gives you one of five clearly defined results that map directly to this tool. You can also take the Vanguard or Fidelity quizzes for a second opinion, then match your result to the closest Schwab bucket below.
Complete the quiz, then come back here with your result. Run it once per account if your goals or timelines differ — a Roth IRA for retirement 30 years out is a different risk profile than a 529 you need in 12 years.
Step 2 — Enter your result for each account
Building your fund allocations…
Your fund allocations — by account
Next step: Bring these allocations into Week 8–9 of BudgetDog Academy. In Week 10 you'll combine them with your dollar amounts from the Investment Framework Calculator to complete your full investment plan.
Risk Profile Interpreter