Investment Risk Calculator
At Diversified Insurance Brokers, we help clients align their investments with their long-term goals by evaluating risk tolerance, time horizon, and retirement needs. Use our Investment Risk Calculator below. With access to 100+ carriers and decades of experience, we make sure your portfolio balances growth potential with the safety you need.
Why Use an Investment Risk Calculator?
Many investors don’t know how much risk they’re really comfortable with until the market turns. An Investment Risk Calculator provides a clear snapshot of your risk profile, ensuring your retirement savings and investments are aligned with your comfort level. Whether you are cautious, balanced, or aggressive, this tool helps identify your best-fit strategy.
Who Should Use It?
The calculator is ideal for:
- Pre-retirees who want to protect their retirement income
- Families balancing growth with downside protection
- Executives and business owners who want diversification
- Anyone looking to optimize investments across life insurance, annuities, and other assets
How It Works
The Investment Risk Calculator analyzes your answers to a series of questions about your financial situation, retirement goals, and tolerance for risk. Once complete, it provides a score and recommended strategies that match your personal profile. This ensures your portfolio isn’t “too safe” (missing out on growth) or “too aggressive” (exposed to losses that could derail retirement).
Start Your Investment Risk Analysis
Use our tool below to discover your personalized investment risk score. In just a few minutes, you’ll receive insights you can use to guide smarter financial decisions.
Need Guidance Interpreting Your Results?
Our advisors can walk you through your score and show you how to align your investments, annuities, and insurance plans with your goals.
Why Work with Diversified Insurance Brokers?
Unlike robo-advisors or one-size-fits-all financial tools, Diversified Insurance Brokers takes a personalized approach. With access to over 100 top-rated carriers, we match you to solutions that fit your unique profile. From fixed indexed annuities to life insurance strategies, our team ensures your financial plan is both protected and positioned for growth.
Determine Your Risk Score Today.
Or call us today at 800-533-5969
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FAQs: Investment Risk Calculator
What does the calculator measure?
The calculator analyzes volatility, drawdowns, correlations, and risk drivers in your portfolio. It shows which holdings or asset classes contribute most to those risks.
How do I use the tool?
Enter your portfolio holdings (% allocation or fund tickers), timeframe, and desired risk level. The calculator will generate risk metrics and suggestions for rebalancing or adjusting exposure.
Who benefits most from using this calculator?
Pre-retirees, retirees, business owners with concentrated holdings, or anyone seeking confidence in their portfolio’s risk profile—especially before large financial transitions like retirement or inheritance planning.
Does it provide actionable recommendations?
Yes. After analysis, the tool suggests rebalancing options, reducing exposure in over-weighted areas, and strategies to manage volatility aligned with your risk tolerance and goals.
Is there a cost or credit check to use it?
No. It is a free tool; there’s no impact on credit. You just provide your portfolio data voluntarily to see risk metrics and insights.
How reliable are the results?
The results are based on historical performance and statistical models—it’s for planning and insight, not a guarantee. Real-world returns and market behavior can differ, particularly in unusual conditions.
Can I adjust the assumptions?
Yes—many tools let you modify time horizon, risk tolerance, or asset allocations. That allows you to test different scenarios and see how they change potential outcomes.
What privacy protections are in place?
Your data is used solely for calculation; it’s not stored or shared beyond your session unless you explicitly choose to save or share the report.
Disclaimer: The tool is educational. Portfolio performance, market behavior, and product availability vary. Consult a licensed financial professional for decisions.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
