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Risk Tolerance Questionnaire
1. When you make investment decisions, which of these statements best describes your attitude?
The risk of loss is a lot more important than the chance for gains
The risk of loss is more important than the chance for gains
The risk of loss and chance for gains are equally important
The chance for gains is more important than the risk of loss
The chance for gains is a lot more important than the risk of loss
2. How averse are you to risk and to loss of capital in this account?
I have zero tolerance for risk
I can tolerate the risks of a balanced portfolio that has stocks and bonds
I can tolerate the risks of a stock index like S&P
I can tolerate risk that is modestly higher than stock index
I can tolerate risk significantly higher than the stock index
3. What is your estimated net worth (i.e., assets minus liabilities, excluding your residence)?
$0-$25,000
$25,001-$100,000
$100,001-$250,000
$250,001-500,000
$500,001-$1,000,000
$1,000,000-$5,000,000
Over $5,000,000
4. How concerned are you about inflation (the risk your money will buy fewer goods and services in the future because of rising prices)?
My goal is to minimize swings in my portfolio’s value, even if growth does not keep pace with inflation.
My goal is for growth to at least keep pace with inflation, with the risk of modest swings in my portfolio’s value.
My goal is for growth to exceed inflation, with the risk of modest to larger swings in my portfolio’s value.
My goal is for growth to significantly exceed inflation, with the risk of larger swings in my portfolio’s value.
5. Which statement best describes your personal investment philosophy?
Income: I prefer investments that may generate more consistent (but most likely lower) returns year to year, with a primary focus on generating income. I prefer a low level of fluctuations and risk of declines over time.
Growth and Income: I prefer investments that balance my growth objectives with my income needs. I prefer a modest amount of fluctuations and risk of declines over time.
Growth: I am willing to own investments with a higher degree of fluctuations and risk of declines in exchange for the potential to achieve higher average returns over time.
6. Which statement best describes how you feel about the trade-off between potential returns and declines?
I’m more focused on potential declines in my portfolio’s value. The return I achieve is of secondary importance.
The potential for declines is equally important to me as the potential return.
I am more focused on the return potential of my portfolio than on potential decline
7. There have been several periods in history in which the value of the market has dropped 25% or more in a year. If the value of your portfolio fell from $200,000 to $150,000 (25%) in one year, how would you react?
I would move my money to different investments to reduce the potential for more declines, even if this meant missing a potential recovery.
I would be concerned and would consider moving into different investments if the declines continued.
I would leave my money where it is and continue according to my long-term strategy.
I would view this as an opportunity and would consider investing more if I had the money available.
8. There is a trade-off between larger potential short-term fluctuations and a portfolio’s long-term growth potential, as shown in the table below. Which portfolio would you be most comfortable with?
Portfolio A: Long-term average is 4% with a one-year possible gain of 15% and a possible 10% decline in a year.
Portfolio B: Long-term average is 5.5% with a one-year possible gain of 25% or a 20% decline in a year.
Portfolio C: Long-term average is 7% with a one-year possible gain of 35% or a one-year decline of -30%.
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