Two scores. The lower
one is your profile.
Capacity is the math of your life. Horizon, emergency fund, debt, income. Tolerance is the temperament. How you behave when the screen goes red. Both run 0 to 50.
| Same word on every brochure |
Cap |
Tol |
Lands at |
| The willing renter8 month horizon . no buffer | 15 | 38 | Conservative |
| The skittish saverpaid off house . sells at minus 20 | 41 | 13 | Conservative |
| The matched onelong horizon . holds the dip | 34 | 36 | Moderately Aggressive |
Your final score is min(capacity, tolerance). You cannot borrow nerve to cover a missing buffer, and a fat bank balance does not buy a calm stomach. SEBI Reg 17 asks for both. The lower number is the honest one.