Quiz sur la Tolérance au Risque
Key Financial Terms
Understand the essential concepts behind this calculator
Beta
Volatility compared to market. Beta of 1.0 = moves with market. Beta of 1.5 = 50% more volatile. Measures risk, not return.
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Risk Tolerance
Your willingness and financial ability to absorb potential losses or uncertainty in exchange for potential rewards.
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Sharpe Ratio
Risk-adjusted return measure. Higher is better. 1.0+ is good. Compares excess return to volatility—rewards returns, penalizes risk.
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Volatility
How much an investment's price or returns bounce around over time—higher volatility means larger swings and higher risk.
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Questions Fréquentes
Questions courantes sur Quiz sur la Tolérance au Risque
La tolérance au risque est votre capacité et votre volonté de supporter les hauts et les bas du portefeuille. Elle dépend de l'horizon temporel, de la stabilité des revenus, de la valeur nette, de l'expérience du marché et de la psychologie. Le quiz aide à aligner votre allocation avec votre véritable niveau de confort.
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Sources & References
S&P 500 Historical Returns
• Average annual return (1926-2024): ~10% nominal, ~7% inflation-adjusted
• Standard deviation: ~20% (indicating significant year-to-year volatility)
• Standard deviation: ~20% (indicating significant year-to-year volatility)
Dividend Yields
• S&P 500 average dividend yield: 1.5-2.0% (as of 2024-2025)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
Bond Returns
• 10-Year Treasury bonds: ~5% average annual return (1926-2024)
• Corporate bonds (investment grade): ~6% average annual return
• Corporate bonds (investment grade): ~6% average annual return
Inflation Rate
• Long-term average: ~3% annually (1926-2024)
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
Important
Past performance does not guarantee future results. Market returns vary significantly year-to-year. These are long-term historical averages.
⚠️ Important