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Risk Self-Test

Use this test to evaluate your risk tolerance, and to decide how to allocate your funds. Each person approaches his or her investment decisions from a unique perspective. A mutual fund or stock that is perfect for someone else may be totally inappropriate for you due to factors such as:

How much risk you are comfortable taking
Your age and the number of years you have before retirement
Your income level and tax rate
Your other existing investments and personal net worth
Your expectations about investment performance

The following quiz will help you to quantify your tolerance for risk based on your own personal life situation. As you read through each question, fill in the letter next to the single answer that you feel most accurately describes your current position. Keep in mind that there are no correct or incorrect answers to this quiz - only answers that are helpful in assessing your investment style. Don't worry about how your answers might be perceived by others; just try to be as honest and accurate as possible.

After you complete the quiz, we will calculate your risk levels based on your answers. Within a few days, we'll email you the investor profile for an evaluation of your personal risk tolerance for you to review.

Name:
Email:
Phone:

1. I am currently investing to pay for:

a. Retirement

b. College

c. A house

2. I expect I will need to liquidate some or all of this investment in:

a. 2 years or less

b. 2 to 5 years

c. 5 to 10 years

d. 10 years or more

3. My age group is:

a. Under 30

b. 30 to 44

c. 45 to 60

d. 61 60 74

e. 75 and older

4. I am currently looking to invest money through:

a. An IRA or other tax-deferred account

b. A fully taxable account

5. I have a cash reserve equal to 3 to 6 months expenses.

a. Yes

b. No

6. My primary source of income is:

a. Salary and other earnings from my primary occupation

b. Earnings from my investment portfolio

c. Retirement pension and/or Social Security

7. I will need regular income from my investments now or in the near future.

a. Yes

b. No

8. Over the long run, I expect my investments to average returns of:

a. Less than 4%

b. 5 to 7% annually

c. 7 to 10% annually

d. 11 to 15% annually

e. Over 15% annually

9. The worst loss I would be comfortable accepting on my investment is:

a. Less than 5%. Stability of principal is very important to me.

b. 5 to 10%. Modest periodic declines are acceptable.

c. 10.1 to 15%. I understand that there may be losses in the short run, but over the long term, I hope that the higher-risk investment will offer highest returns.

d. Over 15%. You don't get high returns without taking risks. I'm looking for maximum capital gains and understand that my stocks or mutual funds can decline substantially.

10. If the stock market were to suddenly decline by 20%, which of the following would most likely be your reaction?

a. I should have left the market long ago, at the first sign of trouble

b. I should have substantially exited the stock market by now to limit my exposure.

c. I'm still in the stock market, but I've got my finger on the trigger.

d. I'm staying fully invested so I'll be ready for the next bull market.

11. The best defense against a bear (down) market is:

a. A defensive market timing system that avoids large losses.

b. A potent offense that will make big gains in the next bull market.

12. The best strategy to employ during bear markets is:

a. Move to cash. It's the only safe hiding place.

b. Short the market and try to make a profit as it declines.

c. Wait it out because the market will eventually recover.

13. I would classify myself as:

a. A buy-and-hold investor who rides out all the peaks and valleys.

b. A market timer who wants to capture the major bull markets.

c. A market timer who wants to avoid the major bear markets.

14. My attitude regarding trading activity is:

a. Active trading is costly and unproductive.

b. I don't mind frequent trades as long as I'm making money.

c. Occasional trading is okay, but too much activity is not good.

15. If the S&P 500 advanced strongly over the last 12 months, my investment should have:

a. Grown even more than the market.

b. Approximated the performance of the broad market.

c. Focused on reducing the risk of loss in a bear market, even if it meant giving up some upside potential in the bull market.

16. I have experience (extensive, some, or none) with the following types of investments:

a. U.S. stocks mutual funds

Extensive Some None

b. International stocks or mutual funds

Extensive Some None

c. Bonds or bond funds

Extensive Some None

d. Futures and/or options

Extensive Some None

e. Managed futures or Commodity pools

Extensive Some None

f. Real Estate

Extensive Some None

g. Private hedge funds

Extensive Some None

h. Privately managed accounts

Extensive Some None

17. Excluding my primary residence, safe investment represents ______% of my investment holdings.

a. Less than 5%

b. 5 to 10%

c. 10.1 to 20%

d. 20.1 to 30%

e. More than 30%

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