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Introduction to Financial Planning | Introduction to Retirement Planning | Risk Tolerance | Financial Planning Questionaire.pdf | Financial Links  

 

UNDERSTANDING YOUR RISK TOLERANCE
To determine risk tolerance is an inexact science. There are many factors that need to be considered. The following form developed by American Strategic Capital, Inc. is just one small test to help individuals understand a little better their risk tolerance. No claims are made to the accuracy of this test.
DEVELOPED BY AMERICAN STRATEGIC CAPITAL, INC.
1. For me to maintain my current lifestyle, it is essential that my investments provide me a current income of: (Please Select One)
More than 7.5% per year.
More than 5% but less than or equal to 7.5%
More than 2.5% but less than or equal to 5%
More than 0% but less than or equal to 2.5%
Currently, I do not need investment income
Please indicate how likely you are to agree with the following hypothetical situations: (Questions 2 through 7)
2. Six months ago, I made an investment. Since then, the market value of my investment has declined 5%. I would continue to hold my investment: (Please Select One)
Strongly Agree
Agree
Undecided
Disagree (I would sell it)
Strongly Disagree (I would have already sold it)
3. One year ago, I made an investment. Since then, the market value of my investment has declined 10%. I would continue to hold my investment: (Please Select One)
Strongly Agree
Agree
Undecided
Disagree (I would sell it)
Strongly Disagree (I would have already sold it)
4. Eighteen months ago, I made an investment. Since then, the market value of my investment has declined 15%. I would continue to hold my investment, (Please Select One)
Strongly Agree
Agree
Undecided
Disagree (I would sell it)
Strongly Disagree (I would have already sold it)
5. Two years ago, I made an investment. Since then, the market value of my investment has declined 20%. I would continue to hold my investment. (Please Select One)
Strongly Agree
Agree
Undecided
Disagree (I would sell it)
Strongly Disagree (I would have already sold it)
6. Two years ago, I made an investment. Since then, the market value of my investment has declined 30%. I would continue to hold my investment. (Please Select One)
Strongly Agree
Agree
Undecided
Disagree (I would sell it)
Strongly Disagree (I would have already sold it)
7. Three years ago, I made an investment. During the last three years, its market value has declined 40%. I would continue to hold my investment. (Please Select One)
Strongly Agree
Agree
Undecided
Disagree (I would sell it)
Strongly Disagree (I would have already sold it)
8. How important is it for you to beat inflation? (Please Select One)
I am willing to spend less of my investment income now so that I will have greater purchasing power in the future.
For me, current income and beating inflation are of equal importance.
For me, current income and preservation of capital are more important than beating inflation.
9. The amount of time you establish to reach your investment objectives will influence your ability to accomplish them. The longer your time frame, the more likely that up and down market cycles will average out, giving you a better chance to meet your investments goals. How long are you willing and able to keep your funds invested?
More than 1 year but less than 3 years
More than 3 years but less than 5 years
More than 5 years but less than 7 years
More than 7 years but less than 9 years
More than 9 years
10. In general, which best describes your investment objectives? (Please Select One)
Growth-Capital appreciation is essential and current income is of no consideration.
Growth With Some Income-Capital appreciation is more important than current income.
Growth With Income-Capital appreciation and current income are of equal importance.
Income With Some Growth-Current income is more important than capital appreciation.
Current Income and Preservation of Capital-Current income and preservation of my principal is essential, and capital appreciation is of no consideration.
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Based on total points, your risk tolerance will be determined by clicking on the button below.
     
 
Tom Maliskey, CSA

1137 Harrison Avenue, Ste 8A | Panama City, FL 32401
Phone (850) 785-8484
Fax (850) 769-7640
 
 
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