Many investors know they should be careful about decisions made under stress. The problem is that behavioural patterns are often difficult to notice in the moment. Loss aversion, FOMO, and recency bias do not announce themselves. They can feel like conviction, clarity, and rational analysis - right up until the moment they do not.
The Decision Readiness Score (DRS) is KlirInvest's answer to this problem. It is the only metric in the platform that ignores your portfolio structure and market conditions entirely. It measures one thing only: the quality of your current decision-making state.
What the DRS Measures
The DRS analyses your recent trading behaviour and surfaces patterns associated with compromised decision quality. It is a score from 0 to 100. Higher is better.
Trading frequency — Are you trading more or less than your historical baseline? Significant deviations in either direction are associated with emotionally-influenced decision-making. Overtrading reflects anxiety or excitement. Complete inaction after a drawdown reflects avoidance.
Loss response patterns — How have you responded to recent losses? Post-loss trading behaviour is one of the most reliable indicators of revenge trading — the attempt to recover losses quickly that typically results in compounding them.
Position sizing consistency — Are your recent position sizes consistent with your historical approach? Sudden concentration in a single name — without a corresponding change in stated strategy — is a significant behavioural signal.
Decision timing — Are your trading decisions clustering around high-volatility periods and news events? Decisions made during peak market stress are systematically worse than decisions made during calm periods, independent of the quality of the underlying analysis.
What the Scores Mean
- 80–100: High Readiness — Behavioural patterns are consistent with your baseline. No significant signals detected. Normal decision-making context.
- 60–79: Moderate Readiness — Minor deviations detected. Review your decision rationale before acting.
- 40–59: Reduced Readiness — Multiple signals present. Pause before acting. Document your reasoning in the Decision Journal.
- 20–39: Low Readiness — Significant behavioural signals. The framework flags this as a high-friction decision state where pausing and documenting your reasoning is prudent.
- 0–19: Severely Restricted — Active pattern consistent with emotionally-driven decision-making. The framework treats this as a state in which pausing and documenting reasoning before any action is especially warranted.
What the DRS Does Not Do
The DRS does not tell you whether your investment thesis is correct. It does not recommend action or inaction. It does not have access to your thoughts, your news consumption, or your life circumstances outside the platform.
It observes patterns in your trading behaviour and surfaces them. What you do with that information is entirely your decision. This is by design.
Why This Matters More Than Any Other Score
A portfolio can have an excellent Health Score and a reasonable Risk Score and still be destroyed by a single emotionally-driven decision at the wrong moment. The 2020 crash demonstrated this clearly: investors who panic-sold in March and missed the April recovery did not make a structural error. They made a behavioural one.
The DRS exists to create a moment of friction between the impulse and the action. Not to stop you. To make you look.
Run your free portfolio analysis and see your Decision Readiness Score at [KlirInvest](/free-tools?tab=analysis).