Risk Assessment / Application

Risk Tolerance Questionnaire
Factors like your risk tolerance and time until retirement are important considerations and should influence the investment options you select. Our questionnaire will help you understand your own investment profile. Select the answers that best fit your current situation. Your answers will be used to determine your overall score and provide an investment profile recommendation. Remember, there are no right or wrong answers; each response depends on your own personal situation.

1. Which statement best describes your investment objectives?*
- Produce moderate growth of assets.
- Produce conservative growth of assets with relative stability.
- Obtain maximum stability of principal.
- Produce maximum growth of assets.

2. When it comes to investing in stock or bond mutual funds—or individual stocks or bonds—I would describe myself as:*
- Very inexperienced.
- Somewhat inexperienced.
- Somewhat experienced.
- Experienced.

I plan to retire in:*
- Less than 5 years.
- 5-10 years.
- 11-20 years.
- 21 years or more.

Which statement best describes you?*
- I am willing to accept day-to-day fluctuation in the value of my investment in exchange for a higher potential rate of return over the long run.
- I would rather accept a lower rate of return than put my investment at substantial risk, even if my retirement is many years away.
- I am a growth-oriented long-term investor seeking a maximum return on my investments. I am willing to accept more risk in order to see the highest potential return.

From September 2008 through November 2008, stocks lost more than 31%. If I owned a stock investment that lost about 31% in 3 months, I would … (If you owned stocks or stock funds during this period, select the answer that corresponds to your actual behavior.)*
- Sell all of the remaining investment.
- Sell a portion of the remaining investment.
- Hold onto the investment and sell nothing.
- Buy more of the investment.

From September 2008 through October 2008, bonds lost nearly 4%. If I owned a bond investment that lost almost 4% in 2 months, I would … (If you owned bonds or bond funds during this period, select the answer that corresponds to your actual behavior.)*
- Sell all of the remaining investment.
- Sell a portion of the remaining investment.
- Hold onto the investment and sell nothing.
- Buy more of the investment.

Which of these statements would best describe your attitude about the next five years' performance of your investments?*
- I can tolerate a loss.
- I can tolerate a small loss.
- I would have a hard time tolerating any losses.
- I need to see at least a little return.

Which of these statements would best describe your attitude about the next three months' performance of your investments?*
- One calendar quarter means nothing.
- If I suffered a loss of greater than 10%, I would be concerned.
- I can only tolerate small short-term losses.
- I would have a hard time stomaching any losses.

Risk Tolerance Questionnaire