Your MoneySign TM

Vigilant

Turtle

MoneySign TM
Assessment Report
Your MoneySign™ helps you identify how your personality may influence the way
you manage your finances. Knowing your MoneySign™ is the first step to attaining
holistic financial well-being — a state where you can be at peace and in control of
your financial journey.

John Doe Dec 7, ’22

Vigilant Turtle
You’re an incredibly composed and grounded individual with a strong sense of self-
control, which comes from being satisfied with your achievements. You firmly
believe in working hard to achieve your goals and follow a very systematic and
disciplined approach while solving problems across different facets of your life. You
dislike uncertainty because it leaves you feeling anxious, and you’re apprehensive
about deviating from tried-and-tested conventions as you believe it exposes you to
unwanted risks.
You’re extremely skilled at negotiating difficult situations by applying a watertight
system of checks and balances that you’ve established over time. You’re careful and
highly observant, which allows you to anticipate undesirable outcomes and prepare
in advance. You believe in taking one step at a time, and that holds you in good
stead.

Full Name’s MoneySignTM Assessment 01

 Our Suggestions
Personalised insights to help you achieve financial well-being.

Based on your character traits, here are our suggestions to help you make

sound financial decisions:

If experimenting with new financial products that are considered to be volatile or

high-risk in nature makes you anxious, know that it’s okay to stick to investment

avenues that you’re familiar with.

Taking a few basic financial precautions could have compounding effects on your

well-being and can help in building a strong financial parachute. This could include

buying adequate insurance, creating a liquidity buffer to cover your expenses for 6–

12 months, diversifying into multiple income sources, and so on.

Your commitment towards your financial goals and long-term investing should be

backed by a framework for managing and reviewing your finances periodically. This

can be developed in consultation with an expert, if necessary.

John Doe’s MoneySignTM Assessment 02

 Behavioural Biases
Irrational beliefs or behaviours that can influence your financial decisions.

We identified some behavioural biases that you’re likely to display while

making financial decisions, and should be conscious of:

Status Quo Bias

You aren’t keen to make changes to your life unless absolutely necessary, and would

rather choose options that require minimal effort. This restricts you from exploring

more beneficial opportunities. This bias could lead to you sticking to financial

instruments that do not align with your financial traits and/or goals, because you’re

not considering better options.

Endowment Bias

You’re prone to placing a higher value on an inherited or purchased asset than its

fair market value. Consequently, you might hold on to such assets even if the future

prospects are not very positive. Because of this bias, you may continue to stick with

assets that you’re familiar with instead of scouting for better opportunities, which

would result in an unsuitable asset allocation.

Regret Aversion Bias

You worry about incurring losses that arise from independent decision-making,

which can either result in a preference for inaction to avoid the sting of regret, or

transpire into exhibiting herd behaviour. This bias can cause you to become too

conservative in your approach and to default to low-risk or popular financial

instruments, which may not be the best choice for achieving your long-term

milestones.

John Doe’s MoneySignTM Assessment 03

 Assessment Framework
The framework for this MoneySign™ assessment takes into account years of
research in the fields of financial psychology, behavioural profiling and
evolutionary biology. Our in-house team of personal finance experts, who
collectively have decades of experience in observing how people behave in the
financial markets, worked in consultation with psychologists to identify key sets
of characteristics and personality traits that influence how we as humans make
financial decisions. The questions in this assessment have been designed to
identify these traits.

We hope you enjoyed discovering your MoneySign™ and found it useful! Write to us at
care@1finance.co.in with your questions or feedback.

Disclaimer Updated April 2022

This MoneySign™ assessment has been prepared by 1 Finance Private Limited (‘1 Finance’) based on the details provided by the
user of this report. The findings of this report/assessment are meant to act as broad guidelines for attaining financial well-
being. This assessment is not a recommendation or advice for taking any financial or non-financial decision. Before making
any financial decisions, the user must study and comprehend the applicable rules, regulations, and legal framework in
addition to conducting his/her own independent analysis and due diligence. For more information, please visit our website
www.1finance.co.in.

John Doe’s MoneySignTM Assessment 04