This free application serves as a refined Behavioral Finance Instrument based on original research conducted for the author’s doctoral dissertation. The core evaluative framework is grounded in Prospect Theory and the study of Loss Aversion, utilizing methodology adapted from the foundational research instruments developed by Daniel Kahneman. By applying these Nobel Prize-winning principles through a modern 'Triple-Collision' analytical model, this tool provides a sophisticated assessment of how psychological heuristics intersect with market dynamics and time horizons to influence individual investment risk profiles.

Designed for investors, students, and finance professionals, this application applies the principles of Prospect Theory to help users identify their unique risk markers, such as loss aversion and the framing effect. By integrating advanced AI via Google Gemini, the app provides contextual insights into how behavioral biases can impact long-term wealth management strategies.

Key Research Features:

Behavioral Risk Assessment: A comprehensive evaluation based on academic heuristics rather than just financial net worth.

Triple-Collision Analysis: Insights into how your personal financial goals collide with market cycles and psychological temperament.

AI-Powered Research Assistant: Engage with a scholarly AI tuned to discuss wealth management concepts, modern portfolio theory and behavioral finance.

Interactive Portfolio Simulation: Don't just get a score—see it in action. Our new Asset Allocation Simulator applies your behavioral profile to diversified asset categories, including U.S. Equities, Fixed Income, and Cash Equivalents.

Privacy-First Design: In alignment with research ethics, all assessment data is processed locally on your device. No financial data is stored on external servers.

Note to Users:
This application is provided as a research tool for educational purposes, improve financial literacy, and help make better decisions. It is designed to foster a deeper understanding of standard and behavioral finance, and is not a substitute for professional, licensed financial advice.

--- LEGAL & RESEARCH DISCLOSURES ---

Scholarly Purpose: This application is a research tool derived from doctoral studies in Finance, focusing on Prospect Theory and behavioral risk markers.

Privacy Policy: https://investment-risk-profile.netlify.app/privacy.html

Terms of Service: https://investment-risk-profile.netlify.app/terms.html

Contact & Feedback: DrFrese@yahoo.com