Risk Tolerance Assessment
Answer the following questions to determine what type of investor you are.
Please choose an answer to continue
How many years until you will retire?
25 years or more
18 to 24 years
12 to 17 years
7 to 11 years
Less than 7 years
What is your liquid net worth?
(total of stocks, bonds and cash you own)
$200,000 - $500,000
What is your household credit card debt ratio?
(Credit card debt divided by household income)
5% or less
6% to 11%
12% or greater
How stable is your Employment Income over the next 10 years?
Very likely I will be continuously employed
Probable that I will be employed most of the next 10 years
My prospect of employment is uncertain
If the stock market & your mutual funds went down 30%, would you ...
Change your portfolio allocation
Increase your rate of investing into the same funds
Make no changes
Stop investing in the funds altogether
If one of four mutual funds that you own went up twice as much as the rest in less than one year, would you ...
Allocate more money to the fund that went up
Make no change to your allocations
Sell some of the fund that went up
Model Stock-Bond Allocations
4% - 5%
50-70% Bonds & Money Market
20-25% Domestic Stocks
10-25% Foreign Stocks
5% - 8%
40% Domestic Stocks
20-35% Foreign Stocks
9% - 10%
50% Domestic Stocks
30-50% Foreign Stocks