{"id":205513,"date":"2026-08-17T09:50:01","date_gmt":"2026-08-17T04:20:01","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=205513"},"modified":"2026-08-17T09:50:02","modified_gmt":"2026-08-17T04:20:02","slug":"risk-profiling-in-investment-advisory","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/","title":{"rendered":"What Is Risk Profiling in Investment Advisory and Why Does It Matter?"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Risk profiling is mandatory for SEBI-registered Investment Advisers under the February 2026 Master Circular. It covers both willingness and ability to take risk. The completed profile must be commu&#8230;<\/em> The risk profiling in investment advisory framework discussed here applies throughout.<\/p>\n<div style=\"background: #F0F9FF; border-left: 4px solid #2E7D32; border-radius: 6px; padding: 14px 18px; margin: 18px 0;\">\n<p style=\"margin: 0; color: #1f4e79; font-size: 14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin: 8px 0 0;\">Risk profiling in investment advisory is the process of systematically assessing an investor&#8217;s willingness and ability to take financial risk before any personalised advice is delivered. It produces a documented client profile that informs which investments or strategies are suitable for that investor. Risk profiling in investment advisory is a regulatory control designed to prevent advisers from recommending unsuitable products rather than a marketing quiz designed to route clients into a product.<\/p>\n<\/div>\n<p>Investors seeking personalised advice have a right to understand what their risk profile means, how it was built and how it connects to the advice they receive. Advisers who conduct risk profiling as a checkbox exercise rather than a genuine assessment produce profiles that protect the adviser&#8217;s liability without meaningfully serving the client. The risk profiling in investment advisory framework discussed here applies throughout.<\/p>\n<p>This guide explains risk profiling in investment advisory, covers the inputs used, how the profile is communicated and confirmed, when it should be updated and how investors can assess whether a profiling process is substantive.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=risk-profiling-in-investment-advisory\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#Willingness_vs_Ability_to_Take_Risk\" title=\"Willingness vs Ability to Take Risk\">Willingness vs Ability to Take Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#What_Inputs_Does_Risk_Profiling_Use\" title=\"What Inputs Does Risk Profiling Use?\">What Inputs Does Risk Profiling Use?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#How_the_Risk_Profile_Is_Communicated_and_Confirmed\" title=\"How the Risk Profile Is Communicated and Confirmed\">How the Risk Profile Is Communicated and Confirmed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#When_Should_Risk_Profiling_Be_Updated\" title=\"When Should Risk Profiling Be Updated?\">When Should Risk Profiling Be Updated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#FAQs\" title=\"FAQs\">FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#What_is_risk_profiling_in_investment_advisory\" title=\"What is risk profiling in investment advisory?\">What is risk profiling in investment advisory?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#What_is_the_difference_between_willingness_and_ability_to_take_risk\" title=\"What is the difference between willingness and ability to take risk?\">What is the difference between willingness and ability to take risk?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#What_inputs_are_used_in_investment_advisory_risk_profiling\" title=\"What inputs are used in investment advisory risk profiling?\">What inputs are used in investment advisory risk profiling?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#Is_risk_profiling_mandatory_under_SEBI_regulations\" title=\"Is risk profiling mandatory under SEBI regulations?\">Is risk profiling mandatory under SEBI regulations?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#When_should_a_risk_profile_be_updated\" title=\"When should a risk profile be updated?\">When should a risk profile be updated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/risk-profiling-in-investment-advisory\/#How_does_a_completed_risk_profile_connect_to_investment_advice\" title=\"How does a completed risk profile connect to investment advice?\">How does a completed risk profile connect to investment advice?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Willingness_vs_Ability_to_Take_Risk\"><\/span><strong>Willingness vs Ability to Take Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Risk profiling in investment advisory distinguishes between two related but separate dimensions. Willingness to take risk is the investor&#8217;s psychological comfort with potential losses \u2014 how much portfolio decline can they tolerate emotionally before making reactive decisions? Ability to take risk is the investor&#8217;s financial capacity to absorb losses \u2014 can they afford to lose a portion of the invested capital without affecting their financial commitments? A complete risk profiling process in investment advisory must assess both dimensions. An investor may have high willingness (psychologically comfortable with risk) but low ability (dependent on the invested capital for near-term expenses), requiring a conservative profile despite their stated preferences.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Inputs_Does_Risk_Profiling_Use\"><\/span><strong>What Inputs Does Risk Profiling Use?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Risk profiling in investment advisory collects inputs across five categories: financial situation (income, liabilities, liquid assets, existing investments), investment objective (wealth creation, capital preservation, income generation), investment horizon (how long the investor can leave capital invested without needing it), risk appetite (comfort level with market fluctuations) and prior market experience (whether the investor has experienced and responded to market volatility before). Each input affects the final risk profile in different ways.<\/p>\n<table>\n<thead>\n<tr>\n<th>Input Category<\/th>\n<th>What It Assesses<\/th>\n<th>Effect on Profile<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Financial situation<\/td>\n<td>Income, liabilities, liquid assets<\/td>\n<td>Determines ability to take risk<\/td>\n<\/tr>\n<tr>\n<td>Investment objective<\/td>\n<td>Growth, income or preservation<\/td>\n<td>Shapes suitable asset class<\/td>\n<\/tr>\n<tr>\n<td>Investment horizon<\/td>\n<td>How long capital can stay invested<\/td>\n<td>Longer horizon allows more risk<\/td>\n<\/tr>\n<tr>\n<td>Risk appetite<\/td>\n<td>Emotional comfort with volatility<\/td>\n<td>Determines willingness to take risk<\/td>\n<\/tr>\n<tr>\n<td>Prior experience<\/td>\n<td>Familiarity with market cycles<\/td>\n<td>Modifies risk capacity interpretation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"How_the_Risk_Profile_Is_Communicated_and_Confirmed\"><\/span><strong>How the Risk Profile Is Communicated and Confirmed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>After the risk profiling questionnaire is completed, the SEBI Investment Adviser is required to communicate the resulting risk profile to the client and obtain confirmation. This step ensures the client is aware of how their adviser has interpreted their circumstances and can flag any inaccuracies before advice is delivered. Risk profiling in investment advisory that does not include client communication and confirmation fails to meet the regulatory standard. The profile should be available to the client in written or digital form.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_Should_Risk_Profiling_Be_Updated\"><\/span><strong>When Should Risk Profiling Be Updated?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Risk profiling in investment advisory is not a one-time onboarding exercise. Material changes in client circumstances should trigger a profile review: a significant income change (salary increase or job loss), a new financial liability (home loan, dependent), a change in investment horizon (retirement approaching, education goal crystallising), a change in liquid assets or a material change in risk appetite following market experience. Platforms like Univest (SEBI RA Reg. No. INH000013776) operate within the Research Analyst framework, but investors using any advisory service should proactively notify their adviser of material life changes that could affect their risk profile.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Use the Univest Screener to Research Investments Aligned With Your Risk Profile<\/strong><\/a><\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to access research tools that help you align investment decisions with your documented risk profile.<\/em> The risk profiling in investment advisory framework discussed here applies throughout.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Risk profiling in investment advisory is a substantive regulatory control that assesses both willingness and ability to take risk, uses five categories of client information, must be communicated and confirmed with the client and must be updated when material circumstances change. Investors who understand this process can assess whether the profiling they receive is genuine or a checkbox exercise, and can use their documented profile as the benchmark against which the suitability of advice received should be measured.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with official sources before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776). The risk profiling in investment advisory framework discussed here applies throughout.<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_risk_profiling_in_investment_advisory\"><\/span><strong>What is risk profiling in investment advisory?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Risk profiling in investment advisory is the process of systematically assessing an investor&#8217;s willingness and ability to take financial risk before personalised advice is delivered. It uses inputs covering financial situation, investment objective, time horizon, risk appetite and prior market experience to produce a documented client profile that informs which investments or strategies are suitable for that specific investor.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_willingness_and_ability_to_take_risk\"><\/span><strong>What is the difference between willingness and ability to take risk?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Willingness to take risk is the investor&#8217;s psychological comfort with potential losses \u2014 how much portfolio decline they can tolerate without making reactive decisions. Ability to take risk is the financial capacity to absorb losses without affecting financial commitments. Both dimensions must be assessed in a complete risk profiling exercise. An investor with high willingness but low ability (capital needed for near-term expenses) requires a conservative profile despite their stated preferences.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_inputs_are_used_in_investment_advisory_risk_profiling\"><\/span><strong>What inputs are used in investment advisory risk profiling?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Risk profiling in investment advisory collects five categories of input: financial situation (income, liabilities, liquid assets), investment objective (growth, income or capital preservation), investment horizon (how long capital can stay invested), risk appetite (comfort with market volatility) and prior market experience (whether the investor has experienced and managed market downturns before).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_risk_profiling_mandatory_under_SEBI_regulations\"><\/span><strong>Is risk profiling mandatory under SEBI regulations?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Risk profiling is mandatory for SEBI-registered Investment Advisers under the IA Master Circular (February 2026). Advisers must collect client information, build a risk profile, communicate it to the client and obtain confirmation before delivering personalised advice. SEBI Research Analysts, who provide general research rather than client-specific advice, are not individually required to conduct risk profiling for each subscriber.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_should_a_risk_profile_be_updated\"><\/span><strong>When should a risk profile be updated?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A risk profile should be updated when material changes occur in client circumstances: significant income changes, new financial liabilities, a change in investment horizon, a change in liquid assets or a material shift in risk appetite following market experience. Investors should proactively notify their adviser of such changes rather than waiting for a scheduled review, as an outdated profile may lead to unsuitable advice.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_a_completed_risk_profile_connect_to_investment_advice\"><\/span><strong>How does a completed risk profile connect to investment advice?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The completed risk profile feeds into suitability assessment \u2014 the process by which an adviser matches recommendations to the client&#8217;s specific circumstances. Recommendations that fall outside the investor&#8217;s risk profile are considered unsuitable and should not be delivered. The documented risk profile is also the reference point for reviewing advice quality over time: advice that is consistently misaligned with the documented profile is a signal of inadequate suitability processes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Risk profiling in investment advisory: how advisers assess willingness and ability to take risk, what inputs they use, how the profile is communicated and when it should be updated.<\/p>\n","protected":false},"author":35,"featured_media":205512,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[3802],"class_list":["post-205513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["205512"],"_edit_lock":["1786940406:29"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["24"],"rank_math_seo_score":["82"],"rank_math_title":["What Is Risk Profiling in Investment Advisory and Why Does It Matter 2026"],"rank_math_description":["Risk profiling in investment advisory: how advisers assess willingness and ability to take risk, what inputs they use, how the profile is communicated and when it should be updated."],"rank_math_focus_keyword":["risk profiling in investment advisory"],"rank_math_robots":["a:2:{i:0;s:8:\"nofollow\";i:1;s:7:\"noindex\";}"],"_edit_last":["29"],"_ez-toc-disabled":[""],"_ez-toc-insert":[""],"_ez-toc-header-label":[""],"_ez-toc-alignment":["none"],"_ez-toc-heading-levels":["a:0:{}"],"_ez-toc-alttext":[""],"_ez-toc-visibility_hide_by_default":[""],"_ez-toc-hide_counter":[""],"_ez-toc-exclude":[""],"_ez-toc-position-specific":["before"],"stm_select_gm_zoom":[""],"stm_agenda":[""],"stm_host":[""],"stm_select_approved_denied":[""],"stm_multiselect_approved":[""],"stm_multiselect_denied":[""],"stm_date":[""],"stm_time":[""],"stm_timezone":[""],"stm_duration":[""],"stm_password":[""],"stm_waiting_room":[""],"stm_join_before_host":[""],"stm_host_join_start":[""],"stm_start_after_participants":[""],"stm_mute_participants":[""],"stm_enforce_login":[""],"stm_alternative_hosts":[""],"top_bar_custom_style":[""],"top_bar_bg":[""],"wc_top_bar_cart_custom_style":[""],"wc_top_bar_cart_color":[""],"wc_top_bar_cart_icon_color_hover":[""],"wc_top_bar_cart_counter_color":[""],"wc_top_bar_cart_counter_color_hover":[""],"wc_top_bar_cart_counter_bg":[""],"wc_top_bar_cart_counter_bg_hover":[""],"top_bar_wpml_switcher_custom_style":[""],"wpml_switcher_color":[""],"top_bar_wpml_switcher_bg":[""],"top_bar_wpml_switcher_bg_hover":[""],"top_bar_wpml_switcher_color_hover":[""],"top_bar_socials_custom_style":[""],"top_bar_socials_color":[""],"top_bar_socials_color_hover":[""],"top_bar_search_custom_style":[""],"top_bar_search_color":[""],"top_bar_search_icon_color_hover":[""],"top_bar_contact_info_style":[""],"top_bar_contact_info_color":[""],"top_bar_contact_info_link_color":[""],"top_bar_contact_info_link_color_hover":[""],"top_bar_contact_info_select_bg":[""],"top_bar_contact_info_select_color":[""],"top_bar_contact_info_select_drop_bg":[""],"top_bar_contact_info_select_items_bg":[""],"top_bar_contact_info_select_items_color":[""],"top_bar_contact_info_select_items_hover":[""],"header_inverse":["default"],"enable_header_transparent":["off"],"header_nav_custom_style":[""],"header_bg":[""],"header_shadow":[""],"wc_cart_custom_style":[""],"wc_cart_icon_color":[""],"wc_cart_icon_color_hover":[""],"wc_cart_counter_color":[""],"wc_cart_counter_color_hover":[""],"wc_cart_counter_bg":[""],"wc_cart_counter_bg_hover":[""],"header_wpml_switcher_custom_style":[""],"header_wpml_switcher_color":[""],"header_wpml_switcher_color_hover":[""],"header_wpml_switcher_bg":[""],"header_wpml_switcher_bg_hover":[""],"header_socials_custom_style":[""],"header_socials_color":[""],"header_socials_color_hover":[""],"header_search_custom_style":[""],"header_search_icon_color":[""],"header_search_icon_color_hover":[""],"header_contact_info_style":[""],"header_contact_info_color":[""],"header_contact_info_link_color":[""],"header_contact_info_link_color_hover":[""],"header_button_custom_style":[""],"header_button_color":[""],"header_button_color_hover":[""],"header_button_bg":[""],"header_button_bg_hover":[""],"header_nav_menu_customize":[""],"header_nav_menu_link_color":[""],"header_nav_menu_link_color_hover":[""],"header_nav_menu_link_color_active":[""],"header_nav_menu_link_arrow_color":[""],"header_nav_menu_link_arrow_color_hover":[""],"header_nav_menu_level_1_bg":[""],"header_nav_menu_level_1_link_color":[""],"header_nav_menu_level_1_link_color_hover":[""],"header_nav_menu_level_1_link_bg_hover":[""],"header_nav_menu_level_1_link_arrow_color":[""],"header_nav_menu_level_1_link_arrow_color_hover":[""],"header_nav_menu_level_2_bg":[""],"header_nav_menu_level_2_link_color":[""],"header_nav_menu_level_2_link_color_hover":[""],"header_nav_menu_level_2_link_bg_hover":[""],"header_mega_menu_bg":[""],"header_mega_menu_title_color":[""],"header_mega_menu_title_color_hover":[""],"header_mega_menu_description_color":[""],"header_mega_menu_description_link_color":[""],"header_mega_menu_description_link_color_hover":[""],"header_mega_menu_color":[""],"header_mega_menu_color_hover":[""],"header_mega_menu_border_color":[""],"header_mega_menu_icons_color":[""],"header_nav_menu_customize_end":[""],"hfe_enabled_notice":[""],"disable_title_box":["default"],"hfe_disabled":[""],"enable_transparent":["default"],"title_box_title_bg_color":[""],"title_box_bg_custom_image":["default"],"title_box_bg_image":[""],"title_box_bg_position":["default"],"metabox_title_box_bg_position_x":[""],"metabox_title_box_bg_position_y":[""],"metabox_title_box_bg_attachment":["default"],"title_box_bg_size":["default"],"metabox_title_box_bg_size_slider":[""],"title_box_bg_repeat":["default"],"disable_title":["default"],"title_box_title_color":[""],"title_box_title_line_color":[""],"disable_breadcrumbs":["default"],"metabox_title_box_breadcrumbs_color":[""],"metabox_title_box_links_color":[""],"metabox_title_box_links_color_hover":[""],"content_bg_transparent":[""],"show_popup_single":[""],"popups_single":[""],"popups_single_event":[""],"popup_single_event_open_delay":[""],"popup_single_event_showing_in":[""],"popup_single_event_date_from":[""],"popup_single_event_date_to":[""],"popup_single_event_time_from":[""],"popup_single_event_time_to":[""],"popup_single_animation":[""],"popup_single_responsive":[""],"separator_footer_copyright_border_t":[""],"name":[""],"email":[""],"phone":[""],"company":[""],"memberId":[""],"testimonial_position":[""],"testimonial_company":[""],"testimonial_bg_img":[""],"testimonial_video_url":[""],"popups_width":[""],"popups_height":[""],"popups_image_bg":[""],"popups_color_bg":[""],"popups_border_radius":[""],"popups_template":[""],"rank_math_analytic_object_id":["37665"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/08\/risk-profiling-in-investment-advisory-1.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/205513","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=205513"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/205513\/revisions"}],"predecessor-version":[{"id":205601,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/205513\/revisions\/205601"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/205512"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=205513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=205513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=205513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}