> For the complete documentation index, see [llms.txt](https://docs.rubica.au/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rubica.au/households/risk-profiles.md).

# Risk Profiles

How rubica records a client's attitude to risk: your firm's own risk profiles, a questionnaire the client fills in, the profile it suggests, and the profile the adviser agrees.

Every firm describes risk its own way. One firm has seven profiles from *Cash* to *High Growth*, another has four, another names them after its model portfolios. rubica works the same way for all of them: **your firm's own profiles, your own questionnaire and your own score ranges** are data you set up and change yourself.

Throughout these pages we use **Collins SBA** as the example. They have seven profiles, named *CSBA 1/7 Cash 100:0* through to *CSBA 7/7 High Growth 15:85*, and a ten-question risk questionnaire scored from 10 to 40.

## How it fits together

1. **Your profiles.** Each profile has a name, a growth/defensive split, a minimum timeframe, return figures and suitability wording. Collins SBA has seven.
2. **Your questionnaire.** A form built in the [Form Builder](/households/forms/building-a-form.md), where each answer carries a score. The client's total score lands somewhere in a range.
3. **The link between them.** Each score range points at one of your profiles. At Collins SBA, a score of 21–25 suggests *CSBA 4/7 Balance 50:50*.
4. **When the client sends the questionnaire back**, a risk profile is created for them with their score, their answers and the **suggested** profile.
5. **The adviser agrees a profile**, which can be different from the suggestion. The agreed profile becomes the client's current risk profile.
6. **After your review period** (Collins SBA uses 3 years), the risk profile shows as due for review.

The questionnaire suggests; the adviser decides. Both are kept, so the file always shows what the client's answers said and what was agreed.

## In this section

* [Setting Up Risk Profiles](/households/risk-profiles/setting-up-risk-profiles.md): for admins. Your profiles, linking your questionnaire, score ranges and the review period.
* [Agreeing a Client's Risk Profile](/households/risk-profiles/agreeing-a-risk-profile.md): for advisers and the advice team. Finding a client's risk profile, reading the result and agreeing a profile.