Risk Tolerance Questionnaire

Risk Tolerance Questionnaire


Welcome to this risk tolerance questionnaire


Please try to answer all of these questions to the best of your ability and pick the closest answer that is accurate to you


Estimated Time to Finish: ~5-10 Minutes



What is your year of birth?






Progress:

My health is:

  • Fair
  • Good
  • Excellent



Progress:

Longevity plays a role in portfolio construction. Please try to come up with an average number for the question below:


My Parents / Grandparents average lifespan is:

  • 60s
  • 70s
  • 80s
  • 90s

Having relatively long-lived parents is associated with markedly lower coronary heart disease (CHD) risks and longer survival according to a Study conducted in August 2016.

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I feel confident I have enough saved for retirement:

  • No Way
  • Somewhat
  • Good
  • Extremely Confident



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My current retirement plan is:

  • Nonexistant
  • Off Track
  • Somewhat on Schedule
  • Looking Good
  • Spot On



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How do you view the stock market?

  • A prudent place for a portion of your assets
  • The best opportunity to beat taxes and inflation
  • A necessary evil that's hard to quantify
  • Gambling



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I believe I need to be taking on great investment risk in order to meet my financial goals:

  • Strongly Agree
  • Agree
  • Undecided
  • Slightly Disagree
  • Strongly Disagree



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I am confident in my ability to make good financial decisions on my own:

  • Strongly Agree
  • Agree
  • Somewhat Agree
  • Undecided
  • Slightly Disagree
  • Disagree



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I'd describe my current soure of income as secure:

  • Strongly Agree
  • Agree
  • Undecided
  • Disagree
  • Unsure



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Where do you believe taxes are headed?

  • Lower
  • Staying the same
  • Rising
  • I don't know



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Where do you believe inflation is headed?

  • Lower
  • Staying the same
  • Rising
  • I don't know



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Which of those (between inflation and taxes) do you believe is the greater risk to your retirement?

  • Inflation
  • Taxes
  • Both are a risk



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If you had a 6 year bond earning 3.3% and interest rates were to rise by 1%, how much would you lose in value?

  • 1%
  • 3.3%
  • 5.7%

How does that make you feel about bonds?

  • No different
  • Somewhat Cautious
  • Concerned
  • Very Concerned



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Are we managing this money for you or someone else? That is, do you plan to leave this money for the next or future generations?

  • Myself / My Spouse
  • My Kids
  • My Grandkids



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Have you considered a long term care policy?

  • Yes, but it's too expensive
  • Not really, I don't think I can afford it
  • I haven't really thought about it
  • I own one



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Are you aware of how much it costs per month for assisted living and/or a nursing home?

  • 4,000 a month
  • 5,000 a month
  • 6,000 a month
  • More than 6,000 a month
  • I don't know



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When do you anticipate you'll need to take income from this account to pay your living expenses?

  • 1 year
  • 3 years
  • 5 years
  • 10+ years



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What is the size of your retirement/IRA/pension?

  • 0-50K
  • 50-100K
  • 100-200K
  • 250K-500K
  • 500K+



  • Progress:

How does that make you feel?

  • Glad, I need the income
  • Mad that I have to pay tax on money I don't need to take
  • I would prefer if I didn't have to take it
  • I would've preferred to leave that money to my children and grandchildren



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They say overthinking can kill your happiness. Overanalyzing your portfolio can:

  • Delay your plan
  • Keep changing your plan
  • Keep you on track
  • That's why I'm looking for a professional to look at my portfolio



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Your Risk Score is:

Your percentage in stocks is:

Your percentage in bonds is:

Your percentage in cash is:

Armed with this information, it's time to have an honest conversation with an advisor you trust. Please select the signature method.

How concerned are you when you hear news reports of severe market volatility?

  • I get very concerned
  • It gets my attention
  • I typically reach out to my advisor
  • Headline news and volatility will not derail my long term strategy



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Have you ever sold stocks or mutual funds as a result of news stories such as the 700+ point plunge in 2008?

  • Yes, I have
  • I wanted to
  • My advisor recommended me to stay the course
  • I used it as a buying opportunity



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Since 1900, how often does the DOW Jones average drop 20% or more within a year?

  • Every 2 years
  • Every 3-4 years
  • Every 5 years
  • Every 10 years
  • I don't know



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How often does the Stock Market go down 10% or more in a one year timeframe?

  • Once a year
  • Every 3 years
  • Every 5 years
  • Every 10 years
  • I don't know



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Your new percentage in stocks is:

Your new percentage in bonds is:

Your new percentage in cash is:

Given these facts and the headline news, how does this affect your risk profile and allocation to stocks listed above?

  • I am confident I have the right allocation
  • I would like to reconsider and reduce my exposure to stocks
  • I would like to reconsider and increase my exposure to stocks
  • I would like to increase my exposure to cash to be used a buying opportunity in market dips



Progress:

Here is your first allocation:

Stocks:

Bonds:

Cash:

Here is your second allocation:

Stocks:

Bonds:

Cash:

Lastly, your final allocation:

Stocks:

Bonds:

Cash:

Armed with this information, it's time to have an honest conversation with an advisor you trust. Which of those allocations did you prefer the most?

  • I preferred my first allocation
  • I preferred my second allocation
  • I preferred my final allocation

What is your year of birth?

My health is:

My Parents/Grandparents average lifespan is:

I feel confident I have saved enough for retirement:

My current retirement plan is:

How do you view the Stock Market?

I believe I need to be taking greater investment risk in order to meet my financial goals:

I am confident in my ability to make good financial decisions on my own:

I’d describe my current source of income as secure:

Where do you believe taxes are headed?

Where do you believe inflation is headed?

Which of those (between inflation and taxes) do you believe is the greater risk to your retirement?

If bought a 6 year bond today earning 3.3% and the next week interest rates were to rise by 1%, how much would you lose in value?

How does that make you feel about bonds?

Are we managing this money for you, or someone else?

Have you considered a long term care policy?

Are you aware of how much it costs per month for assisted living and or a nursing home?

When do you anticipate you’ll need to take income from this account to pay your living expenses?

What is the size of your retirement/IRA/pension?

You're required to take a minimum distribution this year. How does that make you feel?

They say overthinking can kill your happiness, overanalyzing your portfolio can:

How concerned are you when you hear news reports of severe market volatility?

Have you ever sold stocks or mutual funds as a result of new stories such as the 700+ point plunge in 2008?

Since 1900, how often does the DOW Jones average drop 20% or more within a year?

How often does the Stock Market go down 10% or more in a one year timeframe?

Given these facts and the headline news, how does this affect your risk profile and allocation to stocks listed above?

Your allocation:

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Advisor Signature and Date


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