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Risk Test

  1. I plan to begin withdrawing money from my investments for major needs within (major needs may include retirement, child's education, home purchase,etc.):
    • Less than 3 years (1 point)
    • 3 - 5 years (3 points)
    • 6 - 10 years (7 points)
    • 11 years or more (10 points)
  2. Once I begin withdrawing money from my investments, I plan to spend all of the funds within:
    • Less than 2 years (0 points)
    • 2 - 5 years (1 point)
    • 6 - 10 years (4 points)
    • 11 years or more (8 points)
  3. I would describe my knowledge of investments as:
    • None (0 points)
    • Limited (2 points)
    • Good (4 points)
    • Extensive (6 points)
  4. When I decide how to invest my money, I am:
    • Most concerned about the possibility of my investment losing value (0 points)
    • Equally concerned about the possibility of my investment losing or gaining value (4 points)
    • Most concerned about the possibility of my investment gaining value (8 points)
  5. Review the following list and select the investments you currently own or have owned in the past. Then choose the one with the highest number of points and enter that number.
    • Capital preservation investments (0 points)
    • Bonds and/or bond mutual funds (3 points)
    • Stocks and/or stock mutual funds (6 points)
    • International securities and/or international funds (8 points)
    • (Example: You now own stock funds and have in the past purchased international securities. Your point score would be 8. The maximum possible score=8)
  6. Consider this scenario: Imagine that over the past three months, the overall stock market lost 25% of its value. An individual stock investment you own also lost 25% of its value. What would you do? I would:
    • Sell all of my shares (0 points)
    • Sell some of my shares (2 points)
    • Do nothing (5 points)
    • Buy more shares (8 points)
  7. Review the chart below. We've outlined the most likely, best and worst case annual returns of five hypothetical investment strategies. Which range of possible outcomes is most acceptable to you or best suits your investment philosophy?
    • Points Investment Strategy Average Annualized Return (1 year) Best Case Scenario (1 year) Worst Case Scenario (1 year)
      (0 points) Strategy A 7.2% 16.3% -5.6%
      (3 points) Strategy B 9.0% 25.0% -12.1%
      (6 points) Strategy C 10.4% 33.6% -18.2%
      (8 points) Strategy D 11.7% 42.8% -24.0%
      (10 points) Strategy E 12.0% 50.0% -28.2%
      (The figures are hypothetical and do not represent the performance of any particular investment.)