The quiz asks who you are. The money asks when you need it.
01
A risk profile is a property of the money, not of you. Nothing about his temperament changes between the two pots. The deadline does, and the deadline is what decides how much a fall can cost. Profile each pot, not the person holding both.
02
A blended label does not split the difference. It loses at both ends. Too much equity for money spent in two years, nowhere near enough for money spent in twenty five. Moderate described neither pot. It described the average of two dates.
03
Safety on the near money is a premium, not a free upgrade. In the calm case it costs 24035. You are paying so one bad year cannot decide whether the flat happens. Any quiz that hands back a single word for all your money never asked the only question that mattered.
You are not one risk profile. You are as many as you have deadlines.
Profile the money by its deadline, one goal at a time.
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