Abstract
In this study, the process of investor risk-profiling and its role in investment
portfolio management was reviewed and studied. In the course of the study, the
concept of risk profiling was investigated, various methods and approaches to
determining the risk profile of an investor, both in Russia and in the world, were
studied, and the main factors influencing the formation of this profile were
considered. In addition, the work investigated the types of investment advice and
the importance of this process in robo-advising systems. The advantages and
disadvantages of different methods of risk profiling were analyzed, and the
possibilities of solving these problems were put forward. However, it was noted
that the choice of method should be based on the specific needs of the investor and
the characteristics of his investment portfolio. It was also noted that an investor's
risk profile can change depending on changes in the investor's financial objectives,
the timing of investment and other factors. Therefore, to effectively manage the
investment portfolio, it is necessary to periodically review the risk profile of the
investor and take appropriate action. Based on the studied practices of risk
profiling questionnaires implementation, a new questionnaire was modeled, which
could help to more accurately determine the risk profiles of investors, which is of
particular importance in today's financial market environment. In addition, the
hypotheses were tested through statistical analysis of the sample collected by the
modeled questionnaire.
On the whole, the conducted research allowed to better understand the
essence and importance of risk profiling of investors and determine the main
directions for further study of this topic. It is important to note that correctly
identifying the risk profile of an investor is an important step towards achieving
their financial goals and minimizing the risks of investing.