At DolarApp, when you start investing with us, we help you identify your risk profile, which helps determine the best investment strategy for you. There are three main risk profiles: conservative, moderate, and aggressive. Here’s what each profile means and how we determine which one best fits you.

Your risk profile is established based on your answers to a questionnaire designed to assess key factors such as:

By carefully analyzing this information, we calculate your risk tolerance and assign you a profile that best aligns with your investment approach: conservative, moderate, or aggressive.

If you are assigned a conservative profile, it means that you prioritize protecting your capital over seeking higher returns. You are likely to prefer investments that are stable and less risky, even if that means lower returns. Investors in this category usually opt for fixed-income securities such as bonds or certificates of deposit. This profile suits those who may have a shorter investment horizon or lower tolerance for risk.

A moderate risk profile indicates that you are comfortable with some market fluctuations and risk in exchange for balanced growth. While you seek returns that are higher than inflation, you still want to maintain a level of stability in your investments. This approach often involves a mix of equities (stocks) and fixed-income investments. It’s ideal for investors who are seeking growth but also value stability, and who have a medium to long-term investment horizon.

An aggressive profile suggests that you are willing to accept significant risk and short-term losses in pursuit of higher returns. You are typically focused on growing your capital as much as possible and are comfortable with investing in stocks, commodities, and other high-risk assets. This profile is more suitable for individuals with a long investment horizon and a high tolerance for market volatility.

Your risk profile helps us suggest investments that are aligned with your financial goals and risk tolerance. Whether you’re looking to preserve your wealth or grow it substantially, understanding your profile ensures that your investments are suited to your needs and your level of comfort with risk. Regularly reviewing your profile also helps you adjust your strategy as your financial situation changes.

Your profile is reviewed every two years to ensure that it remains consistent with your evolving financial situation and objectives.