(Questions 1-3 refer to your investment philosophy. For each question, select the statement that best reflects your perspective.)
1. Investment Philosophy 01 "You can't be too careful." "When in doubt, err on the side of caution." "Nothing ventured, nothing gained."
2. Investment Philosophy 02 "Put safety first. Stick with risk-free investments." "Don't put all your eggs in just a few baskets. Diversification is very important." "Go with your strong suit. Emphasize your strengths. Put most of your money into your best investments ideas."
3. Investment Philosophy 03 "Live for today. The future will take care of itself." "I need to begin thinking about the future." "If you save for a rainy day, you'll never get wet. Plan for the seemingly distant future today."
(Questions 4-10 refer to your own investments.)
4. Own Investments 01 Receiving income on a regular basis is more important than growth of principal. Both income and growth are equally important. Growth is more important than current income.
5. Own Investments 02 I usually stick to the most conservative investments. Most of my investments are conservative, but I like to have a few aggressive investments in order to achieve some growth. Most of my money is invested for long-term growth.
6. Own Investments 03 Preserving at least 90% of the value of my investments at all times is more important than growth potential. Capital preservation is important, but growth is equally important. I believe in growth investing, I will risk 30% or more of my current capital in prudent investments in order to achieve good growth.
7. Someone whose opinion you respect told you the time was right to risk the loss of more of your principal in order to have the potential to realize substantially higher returns. You would: Refuse to take any more risk. Increase your risk a little bit. Increase your risk by a substantial amount.
8. If you won a contest and had a choice of receiving three alternative prizes (assume that there were no tax consequences): I would receive $5,000 in a lump sum today. I would receive $2,000 per year for the next five years. I would receive $25,000 in a lump sum 10 years from now.
9. If a catastrophe were to demand $20,000 from you unexpectedly: I would have to liquidate virtually all of my investments. I would have to liquidate at least 25% of my investments. I could handle it without significantly disrupting my investment program.
10. You can make an investment in a new type of zero coupon bond that will pay 20 times your initial investment in 10 years if the issuing company survives. The minimum investment is $10,000. You have determined that the company has a 70% chance of surviving that long. That gives you a 30% chance of losing your entire investment. You would: Not invest in this risky proposition Invest $10,000. invest $20,000 or more.
(Questions 11-15 refer to your current personal situation.)
11. Situation 01 I have no dependent children now, and my future plans call for having no new dependent children in my lifetime. I have at least one dependent child between 3 and 23 years of age, but I have no children younger than 13, no do I expect to add to my family in the future. I either have at least one child who is less than 13 years old, or I expect to start a family sometime in the future.
12. Situation 02 I have no plans to buy a new house, farm, or small business for the rest of my life. I currently own my own home, but plan to buy either a larger home, a second home, a farm, or a small business within the next 10 years. I am not currently a homeowner, but I do plan to own a home, farm, or small business sometime at least 10 years into the future.
13. Situation 03 The principal earner in my family is retired, or very close to his/her probable retirement age. The principal earner in my family has between five and 15 years left to reach his or her retirement age. The principal earner in my family has more than 15 years left until retirement.
14. Situation 04 Leaving a substantial inheritance is not important to me. Leaving a substantial inheritance is important, but not at the expense of my current lifestyle. Leaving a substantial inheritance is very important.
15. Situation 05 I am not interested in providing for my funeral expenses. Other things being equal, it would be nice to provide for my funeral expenses before I die. It is extremely important to provide for all expenses relating to my funeral.
16. Within how many years will withdrawals need to be made? Immediately 1-4 5-9 10+ Unsure/Optional
17. If my accounts dropped 10% in 30 days, I would tend to: Sell all, because its too risky. Sell just the losers and hold onto the winners. Hold, wait and see, because stocks usually rise after they fall. Buy cautiously, because stocks are on sale but they could drop lower. Buy aggressively, because when the market is down, it's a great time to buy before they go up again.
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