PIRPInvestor Protection Initiative
Portable Investment Risk Profile owned by the investor.
PIRP helps investors create, manage, and share an independent risk profile across financial institutions.
The Problem
The current system was not designed for the investor.
Risk profiling today is fragmented, inconsistent, and rarely benefits the people it is supposed to protect.
Institutions control the profile
Today, financial institutions usually create and own their clients' risk profiles. The investor has little say in how it is built.
No common standard
Every provider may use a different questionnaire and methodology. The same investor can receive a different risk rating from each firm.
Investors are left out
Investors often do not understand, access, or own their risk profile. It is buried inside the institution's internal systems.
Profiles are not portable
When an investor moves to a new financial institution, they start from scratch. Profiles do not travel with the investor.
The PIRP Solution
One profile. Independent. Owned by you.
PIRP introduces a new model where the investor is at the centre of the risk profiling process.
01
One independent profile
The investor creates a single risk profile through an independent process — not as part of a product sale at any specific institution.
02
Standardized methodology
The profile is based on a validated methodology designed to produce consistent, comparable results regardless of which institution receives it.
03
Investor-controlled sharing
The investor decides when and with which institutions to share their profile. Sharing is always explicit, transparent, and revocable.
04
Used across the ecosystem
Financial institutions receive the shared profile and integrate it directly into their advisory, planning, and suitability workflows.
Key Benefits
Better outcomes for everyone.
PIRP creates value across the entire investment ecosystem — for investors, institutions, and regulators alike.
For Investors
Investors
Put the investor in control of their own financial identity.
Ownership
Your risk profile belongs to you — not your bank or advisor.
Transparency
Understand your own risk assessment in clear, plain terms.
Portability
Take your profile to any institution without starting over.
For Financial Institutions
Financial Institutions
Simplify compliance and improve client understanding.
Standardization
Work with a consistent, validated risk profile for every client.
Better client understanding
Access a more complete and accurate picture of each investor.
Easier integration
Connect PIRP profiles into advisory and suitability workflows.
For Regulators
Regulators
Strengthen investor protection at a structural level.
Traceability
Track the origin and history of each risk profile with clarity.
Auditability
Access structured, independently generated profile data for review.
Stronger investor protection
A standardized process reduces conflicts of interest and inconsistency.
The Ecosystem
A complete platform for every stakeholder.
PIRP is more than a questionnaire. It is a connected ecosystem of tools designed for investors, institutions, and regulators.
Consumer
Mobile Application
Investors create, view, and manage their PIRP risk profile from their smartphone. Simple, secure, and fully investor-controlled.
Financial Institutions
Institution Portal
Brokers and advisors receive shared profiles and integrate them into their suitability and advisory workflows.
Business
Admin Platform
Institutions manage their PIRP integration, access permissions, and monitor activity through a dedicated admin interface.
Regulatory
Regulatory View
Regulators access structured data to monitor market-wide risk profiling practices and support investor protection oversight.
Research Foundation
An evidence-based approach to investor protection.
The PIRP concept is grounded in academic research, regulatory analysis, and expert consultation across finance, law, and consumer protection.
“What if investors owned their risk profile instead of financial institutions?”
The paper examines the structural weaknesses of current suitability assessment frameworks and proposes the Portable Investment Risk Profile as a practical and scalable improvement.
Get Involved
Explore the PIRP concept.
PIRP is an open initiative. Explore the research, follow the development, and join the conversation around better investor protection.