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1. How old are you?
2. How much have you saved for retirement?
3. What is your annual income per year?
*If you are already retired select the income choice that best represents your annual income per year”
4. What are your current investment goals?
I am just getting started on my retirement plan.I am investing for educational planning for my children or grandchildren.Wealth accumulationEstate planning and protecting family’s future.I am already retired and want to maintain my current lifestyle.
5. What type of investments are you currently invested in?
CD’s and/or Savings account/Money Market accountsEFT’s and/or Mutual Funds and/or Individual StocksBonds and/or Annuities and/or Life InsuranceReal Estate and/or REIT’sAll of the above and /or other Investment not listed
6. How would you describe your knowledge of investing?
7. What is your investment temperament?
I am more interested in conserving capital than growing my assets. I prefer to accept moderate income and little or no growth in exchange for stability and minimum risk.I understand that in order to achieve higher returns, it is necessary to take some risk. I am willing to accept moderate fluctuation in the value of my portfolio in exchange for greater income and/or growth potential.I understand that in order to achieve higher returns, it is necessary to take some risk. I am willing to be more aggressive and face greater fluctuations in portfolio value in order to pursue the possibility of above average returns.
8. An investment decision involves the possibility of a gain or a loss. What most influences your thinking when making a decision?
I am mainly influenced by the potential gain.I am more influenced by the potential gain than by the potential loss..I am more influenced by the potential loss than by the potential gainI am mainly influenced by the potential loss.
9. Imagine that the stock market has dropped 20% in the last year. A stock or mutual fund that you own has also dropped 20% in value. How would you react?
Sell my sharesSell some of my sharesKeep all of my sharesKeep all my shares and buy more
10. Please select the answer that best describes you.
I would rather be out of the market when it goes down than in the market when it goes up. I find it difficult to stomach the ups and downs of the market.I would rather be in the market when it goes down than out of the market when it goes up. I can live with the ups and downs of the stock market in order to earn market returns.
11. If you could increase your chances of having a more comfortable retirement by taking more risk, would you?
Be unlikely to take much more risk.Be willing to take a little more risk with some of your money.Be willing to take a little more risk with all of your money.Be willing to take a lot more risk with all of your money.
12. Are you satisfied with the way you are accomplishing your investment goals?
13. If a capital needs analysis has been performed for your investable portfolio, what rate of return did it indicate that will be needed to achieve your financial goals?
14. Were cash reserves included in the capital needs analysis?
15. During the 2008-2009 financial crisis, many investors sold a portion of their investments or all of their investments as the market moved downward. How long did you wait to sell out of your investments?
I stayed partially or fully invested.I acted upon a 0-10% decline.I acted upon a 10-20% decline.I acted upon a 20-30% decline.I acted upon a more than a 30% decline.
16. Do you expect to need income from your portfolio in the next 5 years?
17. Compared to others, how do you rate your willingness to take financial risks?(required)
Very LowAverageHighVery HighExtremely Low
18. How easily do you adapt when things go wrong financially?
Very UneasilySomewhat uneasilySomewhat easilyVery easily
19. When you think of the word “risk” in a financial context, which of the following words comes to mind first?
20. Have you ever invested a large sum in a risky investment mainly for the “thrill” of seeing whether it went up or down in value?
NoYes, very rarelyYes, somewhat rarelyYes, somewhat frequentlyYes, very frequently
21. When faced with a major financial decision, are you more concerned about the possible losses or the possible gains?
Always the possible lossesUsually the possible lossesUnusually the possible gainsAlways the possible gains
22. What degree of risk are you currently prepared to take with your financial decisions?
Very smallSmallMediumLargeVery large
23. Have you ever borrowed money to make an investment (other than for your home)?
24. Investments can go up and down in value and experts often say you should be prepared to weather a downturn. By how much could the total value of all your investments go down before you would begin to feel uncomfortable?
Any fall in value would make me feel uncomfortable10%-20%33%50%More than 50%
25. With some types of investment, such as cash and term deposits, the value of the investment is fixed. However inflation will cause the purchasing power of this value to decrease. With other types of investment, such as shares and property, the value is not fixed. It will vary. In the short term it may even fall below the purchase price. However, over the long term, the value of shares and property should certainly increase by more than the rate of inflation. With this in mind, which is more important to you, that the value of your investments does not fall or that it retains its purchasing power?
Much more important that the value does not fall.Somewhat more important that the value does not fall.Somewhat more important that the value retains its purchasing power.Much more important that the value retains its purchasing power.
26. As part of your investment portfolio do you wish to maintain access to cash.
No minimum cash needs; cash is handled separatelyA minimum of 5 -10% of total investmentsA minimum of 12 months’ worth of income in cash that will be replenished opportunistically with market movements.
27. Up to what percent can be invested in long term, illiquid investments (those that cannot be turned into cash except at a large sacrifice)?
0%5-10%20-30%40-50%More than 50%
28. Most investment portfolios have a mix investments with different risk levels. High risk comes with high expected returns. Medium risk comes with medium returns. Low risk comes with low expected returns. What mix of investments best describes your portfolio?
Portfolio 1 - 0% High Risk / 30% Medium Risk / 70% Low RiskPortfolio 2 - 10% High Risk / 40% Medium Risk / 30% Low RiskPortfolio 3 - 30% High Risk / 40% Medium Risk / 30% Low RiskPortfolio 4 - 50% High Risk / 40% Medium Risk / 10% Low Risk
29. How frequently would you like to communicate with us to discuss your investments?
QuarterlySemi-AnnuallyAnnuallyAs needed basis
30. What is your preferred method of communication?
In personPhoneEmailCombination of methods
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