Risk Tolerance Questionnaireand Personal Analysis of Results

How much risk can you take?

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Instructions:There are 15 questions. This is a self-scoring quiz to help you determine your investment objectives. Answer each question and write the corresponding number on scratch paper. Click the box by your answer to go to the next question. Then total the numbers for each section. Fill in the scorecard on the last page to determine your investment objective.

Proceed

Question 1Time Horizon Section

What is your current age?

56 and over

46 to 55

36 to 45

20 to 35

1 of 15

(1)

(2)

(3)

(4)

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Question 2Time Horizon Section

What is your primary financial goal?Wealth preservation

Retirement planning

Wealth accumulation

2 of 15

(1)

(2)

(3)

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Question 3Time Horizon Section

What is the time frame for you to achieve your financial goals?

0 to 5 years

5 to 10 years

10 years or longer

3 of 15

(1)

(2)

(3)

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Stop Here!Total your score so far.

This is your “Time Horizon Total”We will refer to it at the end.

Click here to continue

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Question 4Financial Goals Section

Which of the following best describes your financial goals?

Preserving principal and earning a moderate amount of income.

Generating a high amount of current income.

Generating some current income and growing assets over an extended time frame.

4 of 15

Growing assets substantially over an extended time frame.

(1)

(2)

(3)

(4)

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Question 5Financial Goals Section

How do you expect your standard of living 5 years from now to compare to your standard of living today?

Less than it is today

The same as it is today

Somewhat higher than it is today

5 of 15

Substantially greater than it is today

(1)

(2)

(3)

(4)

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Question 6Financial Goals Section

5 years from today, you expect your portfolio values will be:

Portfolio value is not my primary concern; I am more concerned with current income. The same as or slightly more than it is today

Greater than it is today

6 of 15

Substantially greater than it is today

(1)

(2)

(3)

(4)

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Question 7Financial Goals Section

Generating current income from your portfolio is:

A primary concern (only if you are about to retire)

Not important

7 of 15

(1)

(2)

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Question 8Financial Goals Section

With the income generated from your portfolio, you plan to:

Use it for living expenses

Use some and reinvest some

8 of 15

Reinvest all income

(1)

(2)

(3)

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Stop Here!Total your score for the “Financial

Goals Section” (questions 4 through 8)We will refer to it at the end.

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Question 9Risk Tolerance Section

You have just received a large amount of money. How would you invest it?

Something that offered moderate current income and was very conservative.

Something that offered high current income with a moderate amount of risk.

9 of 15

Something that offered high total return (current income plus capital appreciation) with a moderately high amount of risk.

Something that offered substantial capital appreciation even though it has a high amount of risk.

(1)

(2)

(3)

(4)

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Question 10Risk Tolerance Section

Which of the following statements would best describe your reaction if the value of your portfolio suddenly declined by 15%?

I would be very concerned because I cannot accept fluctuations in the value of my portfolio.

If the amount of income I receive was unaffected, it would not bother me.

10 of 15

Although I invested for long-term growth, even a temporary decline would concern me.

Because I invest for long term growth, I would accept temporary fluctuations due to market influences.

(1)

(2)

(3)

(4)

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Question 11Risk Tolerance Section

Which of the following investments would you feel most comfortable owning?

Certificates of deposit

U.S. Government securities

11 of 15

Blue chip stocks

Stocks of new growth companies

(1)

(2)

(3)

(4)

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Question 12Risk Tolerance Section

Which of the following investments would you least like to own?

Certificates of deposit

U.S. Government securities

12 of 15

Blue chip stocks

Stocks of new growth companies(1)

(2)

(3)

(4)

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Question 13Risk Tolerance Section

Which of the following investments do you feel are the most ideal for your portfolio?

Certificates of deposit

U.S. Government securities

13 of 15

Blue chip stocks

Stocks of new growth companies

(1)

(2)

(3)

(4)

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Question 14Risk Tolerance Section

How optimistic are you about the long-term prospects of the economy?

Very pessimistic

Unsure

14 of 15

Somewhat optimistic

Very optimistic

(1)

(2)

(3)

(4)

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Question 15Risk Tolerance Section

Which of the following best describes your attitude about investments outside the U.S.?

Unsure

I believe the U.S. economy and foreign markets are interdependent.

15 of 15

I believe overseas markets provide attractive investment opportunities.

(1)

(2)

(3)

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Stop Here!Total your score for the “Risk

Tolerance” (questions 9 through 15)We will refer to it at the end.

Click here to continue

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Time Horizon Total x 1 =

Financial Goals Total x 2 =

Risk Tolerance Total x 3 =

Total Score

Adjusted Total Range Investment Objective

34 to 57 Income with Capital Preservation

58 to 83 Income with Moderate Growth

84 to 99 Growth with Income

100 to 114 Growth

115 to 125 Aggressive Growth

Click here to see investment objective definitions

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Investment Objective DefinitionsIncome with Capital Preservation

Income with Moderate Growth

Growth with Income

Growth Aggressive Growth

Need for capital preservation and current income

Need for current income

Equal focus on growth and income

Little need for current income

No need for current income

No focus on growth Moderate focus on growth

Moderate tolerance for risk

Focus on growth Focus on aggressive growth

Lowest tolerance for risk

Low tolerance for risk Intermediate investment horizon

High tolerance for risk Highest tolerance for risk

Shortest investment horizon

Short / intermediate investment horizon

Intermediate / long investment horizon

Long investment horizon

Do your current investments align with your investment objective? We will help you find out!

Call us for an analysis of your results! (415) 898-4439Back

Risk Tolerance Quiz Purpose:The Investor Profile Quiz is designed to help you gain an in-depth understanding of your investment objective, which serves as the foundation of your portfolio. Your investment objective is based on many factors, including your time horizon, financial goals and risk tolerance. To build your portfolio, you must clearly define your financial goals. Short-term goals may include buying a house or financing a dream vacation. Long-term goals may include saving for your child’s education or planning for your retirement.Your time horizon defines when you want to achieve a goal. It could be 1-5 years, 5-10 years, 15 years, 30 years or more.Risk is an unavoidable part of investing. Historically, investments with higher return potential have required a higher tolerance for risk. Therefore, by clearly defining your risk tolerance, we will be better prepared to choose the most appropriate investments for your portfolio.Over time, your goals and financial situation may change. It’s important for us to discuss any changes, as your original investment objective may need to be re-evaluated.

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