Illuminate uses a point-based matching system to align you with an appropriate investment portfolio based on your circumstances and preferences.
The Assessment Process
When signing up, you answer six multiple-choice questions covering: investment goals, time horizon, experience level, risk tolerance, investment preferences, and age range.
Point Allocation
Each response receives points (2, 4, 6, or 9), where lower points indicate more conservative preferences and higher points indicate more growth-oriented or aggressive preferences.
Risk Score Conversion
Your total points translate to one of eight portfolio risk levels with corresponding stock/bond allocations:
| Risk Level | Point Range | Stock/Bond Allocation |
|---|---|---|
| Level 1 | 0-13 | 20/80 |
| Level 2 | 14-21 | 35/65 |
| Level 3 | 22-28 | 50/50 |
| Level 4 | 29-32 | 60/40 |
| Level 5 | 33-35 | 70/30 |
| Level 6 | 36-41 | 80/20 |
| Level 7 | 42-50 | 90/10 |
| Level 8 | 51-54 | 100/0 |
Each portfolio is built using modern portfolio theory principles while incorporating institutional-grade climate and sustainability data.
Making Changes
You can adjust your investment profile anytime through your account settings, with future allocations adjusting accordingly.
