Risk Profile Questionnaire September 19, 2018
1. Before you make a decision on any investment, you need to consider how you feel about the prospect of potential loss of principal. This is a basic principle of investing: the higher return you seek, the more risk you face. Based on your feelings about risk and potential returns, your goal is to:
a) Potentially increase my portfolio's value as quickly as possible while accepting higher levels of risk.
b) Potentially increase my portfolio's value at a moderate pace while accepting moderate to high levels of risk.
c) Income is of primary concern while capital appreciation is secondary.
d) The safety of my investment principal.
2. Which of the following statements best describes your overall approach to investing as a means of achieving your goals?
a) Having a relative level of stability in my overall investment portfolio.
b) Moderately increasing my investment value while minimizing potential for loss of principal.
c) Pursue investment growth, accepting moderate to high levels of risk and principal fluctuation.
d) Seek maximum long-term returns, accepting maximum risk with principal fluctuation.
3. The value of most investments fluctuates from year to year as well as over the short term. How would you feel if an investment you had committed to for ten years lost 20% of its value during the first year?
a) I would be extremely concerned and would sell my investment.
b) I would be concerned and may consider selling my investment.
c) I would be concerned, but I would not consider selling my investment.
d) I would not be overly concerned given my long-term investment philosophy.
4. Realizing that any market-based investments may move up or down in value over time, with which of the hypothetical portfolios below would you feel most comfortable?
a) A
b) B
c) C
d) D
e) E
5. Please select the type of security with which you have had the most investment experience?
a) U.S. Government securities
b) Mid to high quality corporate fixed income securities
c) Stocks of older, established companies
d) Stocks of newer, growing companies
6. An important consideration when making investment decisions is where you are in your financial life cycle and how long you have before you will need to start withdrawing the assets. Through consultation with your Financial Advisor, please indicate your portfolio's appropriate time horizon. A multi-stage time horizon would indicate that you have several goals in the future that your investment portfolio needs to address.
a) A
b) B
c) C
7. Please indicate approximately how many years from today until you reach your primary goal.
a) Within 1 to 4 years
b) Within 5 to 10 years
c) Within 11 to 20 years
d) More than 20 years
8. Some investors have a multi-stage time horizon with several goals for their portfolio. Please indicate approximately how many years from today until you reach your secondary goal?
a) Not applicable, I only have a single stage time horizon.
b) Within 1 to 4 years
c) Within 5 to 10 years
d) More than 10 years
9. What is your current age?
a) Under 35
b) Between 36 to 45
c) Between 46 to 55
d) Between 56 to 70
e) Over 70
10. Based on your current and estimated future income needs, what percentage of your investment earnings do you think you would be able to reinvest?
a) Reinvest 100 percent of my investment earnings.
b) Reinvest 20 to 80 percent of my investment earnings.
c) Reinvest 0% (receive all investment earnings for cash flow).
d) My investment earnings will not be sufficient and I will need to withdrawal principal.
11. Your portfolio design relates to your investment experience, which helps to determine your current investment philosophy. What is the current value of your total investment portfolio?
a) More than $1,000,000
b) $500,001 to $1,000,000
c) $300,001 to $500,000
d) $100,000 to $300,000
e) Less than $100,000
12. Given interruptions of periodic income or other unforeseen circumstances, some individuals are forced to tap their investment resources to meet living expenses. In such an instance, how many months of living expenses could be covered by your current liquid investments?
a) More than 12 months, or not a concern
b) Between 4 and 12 months
c) Less than 4 months, or already withdrawing
13. Total earnings, which includes earned and investment income, is a requirement when assessing your risk tolerance and determining allocation of assets. What is your total annual household income (including interest and tax deferred income)
a) More than $200,000
b) $150,000 to $199,999
c) $100,000 to $149,999
d) $50,000 to $99,999
e) Less than $49,999
14. The percentage of your total income that you currently save is approximately:
a) I do not currently save any income
b) Between 2% - 7%
c) Between 7% - 12%
d) Greater than 12%
15. In the next five years, you expect that your earned income will probably:
a) Decrease
b) Stay about the same
c) Increase modestly
d) Increase significantly
Your survey answers indicate your risk tolerance category is Conservative. You can accept losing 0% in a market downturn to pursue long-term goals.
Describe your investments (optional) Enter as many positions as you'd like. We will use this information to run a stress test analysis on your investments.
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