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A Risk Assessment captures the investor’s risk tolerance through a structured questionnaire. The result is a risk score and recommended asset allocation that drives portfolio construction.

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How it works

  1. Present the risk questionnaire to your user
  2. Submit their responses to the Bluum API
  3. Bluum computes a risk score and recommended allocation
  4. The allocation is used when creating portfolios and IPS

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Questionnaire structure

The API uses a questionnaire_id to identify which questionnaire version to score against, and a responses array of question/answer pairs.

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Questions to present

Questionquestion_idAnswer options (answer_id)
What is your primary investment goal?investment_goalpreservation, income, balanced, growth, aggressive_growth
How many years until you need this money?time_horizon5_years, 10_years, 20_years, 30_years
How would you describe your risk tolerance?risk_toleranceconservative, moderate, aggressive
If your portfolio dropped 20%, what would you do?reaction_to_losssell_immediately, wait_and_see, hold_and_wait, buy_more
Do you need regular income from investments?income_needsnone, some, significant
How would you describe your investment knowledge?investment_knowledgebeginner, intermediate, advanced

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Submitting an assessment

curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/risk-assessments" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "questionnaire_id": "default-risk-v1",
    "responses": [
      { "question_id": "investment_goal", "answer_id": "growth" },
      { "question_id": "time_horizon", "answer_id": "20_years" },
      { "question_id": "risk_tolerance", "answer_id": "moderate" },
      { "question_id": "reaction_to_loss", "answer_id": "hold_and_wait" },
      { "question_id": "income_needs", "answer_id": "none" },
      { "question_id": "investment_knowledge", "answer_id": "intermediate" }
    ]
  }'

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Response

{
  "id": "ra_f1e2d3c4b5a69870",
  "risk_score": 65,
  "risk_category": "moderate_growth",
  "recommended_equity_allocation": 70,
  "recommended_fixed_income_allocation": 25,
  "recommended_alternatives_allocation": 5,
  "created_at": "2025-06-15T11:00:00Z"
}

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Risk categories

CategoryScore rangeTypical equity allocation
conservative0–2520–30%
moderate_conservative26–4030–45%
moderate41–5545–60%
moderate_growth56–7060–75%
aggressive_growth71–10075–90%

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Multiple assessments

Investors can retake the assessment over time. Use current to get the most recent: 
# Current (most recent) assessment
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/risk-assessments/current" \
  -H "Authorization: Basic $AUTH"

# Assessment history summary
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/risk-assessments/summary" \
  -H "Authorization: Basic $AUTH"

# All assessments
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/risk-assessments" \
  -H "Authorization: Basic $AUTH"

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Key endpoints

MethodPathDescription
POST/wealth/accounts/{id}/risk-assessmentsSubmit a risk assessment
GET/wealth/accounts/{id}/risk-assessments/currentGet latest assessment
GET/wealth/accounts/{id}/risk-assessments/summaryGet assessment summary
GET/wealth/accounts/{id}/risk-assessmentsList all assessments
GET/wealth/accounts/{id}/risk-assessments/{assessment_id}Get specific assessment