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Risk Tolerance Profile:
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1.) Based on your investment goals, which of the objectives profiled below best describes your desired investment approach?
A.) Empasis on the safety of my investment principal rather than growing assets
B.) Emphasis on current income with moderate capital appreciation as a secondary goal
C.) Primary emphasis is on increasing portfolio value with some potential for loss
D.) Emphasis on increasing portfolio value at a moderate pace while accepting moderate to high levels of risk
E.) Emphasis is to maximize returns while accepting higher levels of risk
2.) Where would you place your investment philosophy on the following scale? (1 is least risk and 10 is most risk)
1. Minimize Losses
2. and fluctations in portfolio value
3. as much as possible
5. A balanced investment mix
6. with some fluctations in value and growth
8. Maximize returns in the long run
9. while accepting higher
10. fluctations in portfolio value
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 10 years lost 20% of its value in the first year?
A.) I would be extremely concerned and would sell my investment.
B.) I would be concerned and consider selling my investment.
C.) I would be concerned, but I would not consider selling my investment.
D.) I would not be overly concerned and would not sell given my long term investment philosophy.
4.) Realizing that markets move up and down in value over time, which hypothetical portfolio would you feel most comfortable with over time?
A.) A portfolio that had annual returns of 3%, 3%, 3%, 3%, and 3% for an average annual return of 3%.
B.) A portfolio that had annual returns of 3.5%, 6%, 7%, -1%, and 7% for an average annual return of 4.5%.
C.) A portfolio that had annual returns of -6%, 8%, 19%, 0%, and 14% for an average annual return of 7%.
D.) A portfolio that had annual returns of 15%, -11%, 26%, -5%, and 17% for an average annual return of 9%.
E.) A portfolio that had annual returns of 17%, -15%, 38%, -5%, and 25% for an average annual return of 12%.
5.) Please select the security with which you have had the most experience.
A.) U.S. Government Securites
B.) Mid to High Quality Corporate Bonds.
C.) Stocks of older, established companies.
D.) Stocks of newer, growing companies.
E.) No investment experience beyond CDs or Mutual Funds.
6.) An important consideration when making investment decisions is where you are in your financial life cycle and how long it will be until you need to withdraw assets. If you have multiple financial goals that your investment portfolio is expected to meet, please indicate multi-stage and then the shortest investment goal you have.
A.) Short (1-3 years)
B.) Intermediate (3-7 years)
C.) Long (7-10+ years)
7.) Which factor do you consider to be the most important?
A.) The average return produced over the next 5-10 years.
B.) the amount of current income the investment will generate.
C.) Minimizing the decline in a down market.
8.) What is your current age?
9.) Based on your current and future income needs, what percentage of your investment earnings do you think you will be able to reinvest?
A.) Reinvest 100% of my investment earnings.
B.) Reinvest 25-75% of my investment earnings.
C.) Reinvest 0-25% of my investment earnings.
D.) My investment earnings will not be sufficient and I will need to withdraw principal.
10.) The total size of your investment portfolio is a key determinant in designing an investement strategy. What is the total amount of your liquid assets (including 401k and IRA amounts)?
$50,000 - $75,000
$75,000 - $100,000
$100,000 - $150,000
$150,000 - $200,000
$200,000 - $300,000
$300,000 - $400,000
$400,000 - $500,000
$500,000 - $600,000
$600,000 - $750,000
$750,000 - $1,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
$2,000,000 - $5,000,000
$5,000,000 - $10,000,000
11.) Given interruptions of periodic income or other unforeseen circumstances, some individuals are forced to tap their investment portfolios to meet living expenses. Under these circumstances how many months of living expenses could be covered by you current liquid investments (These "Rainy Day" funds should not be counted in question 10)
A.) More than 12 months or not a concern.
B.) Between 6-12 months.
C.) Less than 6 months.
What is your net worth excluding your primary residence
$100,000 - $150,000
$150,000 - $250,000
$250,000 - $500,000
$500,000 - $1,000,000
$1,000,000 - $2,000,000
$2,000,000 - $5,000,000
12.) Total earnings, which includes earned and investment income, is a requirement when assessing your risk tolerance and making appropriate allocation of investment assets. What is your total annual household income?
A,) More than $300,000
B.) $200,000 to $300,000
C.) $100,000 to $200,000
D.) $50,000 to $100,000
E.) Less than $50,000
13.) The percentage of total gross income that you currently save is approximately?
A.) I do not currently save any income.
B.) Between 2% and 7%.
C.) Between 7% and 12%.
D.) Greater than 12%.
14.) Over the next 5 years, do you expect your earned income will probably:
B.) Stay about the same.
C.) Increase modestly.
D.) Increase significantly.
15.) Please check all the financial goals that you have.
A.) Rainy Day Fund.
B.) College Savings.
E.) Savings for a new/2nd/larger Home
F.) Other (Please Specify)
Other Financial Goal
16.) Are there any important tax considerations that should be taken into account when constructing your investment strategy?
17.) Are there any legal or regulatory concerns that would present an issue when designing an investment strategy?
18.) Do you have any other circumstances that should be taken into account when designing an investment strategy?
To the Best of My knowledge, the information contained in this questionnaire is both accurate and complete. I understand that any recommendations are based upon information supplied by me. (Typing your name will act as an electronic signature)
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