EmailMe Form - Risk IQ a self survey

Name

First Last

Address

Street Address Address Line 2 City State / Province / Region Postal / Zip Code Country / Region

Email

Phone

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1. How many years can you let your money grow before you'll need to tap into your nest egg?

3-5 years (2 points)

6-10 years (3 points)

more than 10 years (4 points)

My current age is

3. My goal for this investment is:

a. To grow it aggressively (5 points)

b. To grow it moderately (3 points)

c. To avoid losing money (1 point)

4. What level of perfomance would you expect from this investment over time?

a. To at least keep pace with the stock market ( 5 points)

b. To potentially trail the stock market but with less overall risk (3 points)

c. To provide stable returns that are likely to lag the stock market ( 1 point)

5. Suppose the stock market has negative returns over the next decade. What would you expect from this investment?

a. I would expect to lose money. (5 points)

b. I expect I could lose money, but hopefully not as much as the stock market. (3 points)

c. I expect that my performance would be relatively unaffected by what happens in the stock market. ( 1 point)

6. Which of these statements would best describe your attitude about the next three years’ performance of this investment?

a. I’m comfortable with short-term losses because I expect to keep my money invested for the longer term. (5 points)

b. I would feel uncomfortable with short term losses even though I expect to keep my money invested for the longer term. (3 points)

c. I can tolerate only small short term losses, although my losses would make me feel uncomfortable. (1 point)

7. Are there any circumstances you can envision (college tuition, home purchase, retirement, etc.), outside the usual contributions and withdrawals, that might necessitate the immediate liquidation of a major portion of your portfolio?

a. Full portfolio could be liquidated (1 point)

b. Major Liquidations (2 points)

c. Some small liquidations (3 points)

d. No liquidations planned (4 points)

8. OVER THE PAST 70+ YEARS, THE INVESTMENT VEHICLES BELOW RETURNED APPROXIMATELY THE FOLLOWING AVERAGE YEARLY GAINS:
Stocks 11.0%
Bonds 5.2%
Cash (T-bills) 3.7%
Inflation 3.7%
Knowing this, what would you consider to be a reasonable average annual return for your portfolio?

a. Less than 4% (1 point)

b. 4%-8% (2 points)

c. 9%-12% (3 points)

d. 13% or more (4 points)

9. Let’s say you just heard the following news: The stock market has plunged; the most widely watched stock indexes have fallen 20% over the past week. You check your investments and see that they have also declined 20%. How do you think you’ll react?

a. You sell all or nearly all your investments. (1 point)

b. You sell some of your investments. (2 points)

c. You do nothing and wait for the market to turn around. (3 points)

d. You add to your investments by buying more shares. (4 points)

Add up you points and proceed to Point Total

Point Total =

9 or less = Income Allocation -Looking for short term income to subsidize present cash flow.

9 - 13 = Conservative Allocation-Requires a slow and steady performance with limited volatility.

14 - 22 = Moderate Allocation-Would like to be in traditional allocation between equities and fixed income with some rebalancing for obvious trends.

23-31 = Moderate Growth Allocation-This is a moderate high risk allocation that says you are comfortable with some short term losses in volatile markets as long as there is substantial gain in growth market cycles. Not particularly interested in large fixed income portion of total portfolio.

32 – 41 = Growth Allocation-Primarily equity investments with little fixed income. Able to sustain large swings in the market for a longer term gain, with at least 10 years until required income.