-
Question 1 of 11
As I withdraw money from these investments, I plan to spend it over a period of...
Why am I being asked this question?
Once you start withdrawing and spending your money, you'll want to be sure it will last as long as you need it to. Depending on your goal, that could be a short or long period of time. It might be a onetime expense, such as buying a house, several years of paying college tuition, or even decades of enjoying a long retirement. These future plans are important to consider when mapping out an investment strategy.
What does my answer mean?What does my answer mean?
Estimate the amount of time you have until you need to start spending the money you're investing. If your time frame is short, we'll suggest a more conservative allocation to preserve your assets. If you won't need the money for many years, we'll suggest an allocation that will give your assets the potential to grow over time.
-
Question 2 of 11
When making a long-term investment, I plan to keep the money invested for...
Why am I being asked this question?
Once you start withdrawing and spending your money, you'll want to be sure it will last as long as you need it to. Depending on your goal, that could be a short or long period of time. It might be a onetime expense, such as buying a house, several years of paying college tuition, or even decades of enjoying a long retirement. These future plans are important to consider when mapping out an investment strategy.
What does my answer mean?What does my answer mean?
Estimate the amount of time you have until you need to start spending the money you're investing. If you time frame is short, we'll suggest a more conservative allocation to preserve you assets. If you won't need the money for many years, we'll suggest an allocation that will give you assets the potential to grow over time.
-
Question 3 of 11
When it comes to investing in stock or bond mutual funds or ETFs - or individual stocks or bonds - I would describe myself as...
-
Question 4 of 11
I plan to begin taking money from my investments in...
Why am I being asked this question?
Once you start withdrawing and spending your money, you'll want to be sure it will last as long as you need it to. Depending on your goal, that could be a short or long period of time. It might be a one-time expense, such as buying a house, several years of paying college tuition, or even decades of enjoying a long retirement. These future plans are important to consider when mapping out an investment strategy.
What does my answer mean?Not sure how much you might have?
Try our calculatorWhat does my answer mean?
Estimate the amount of time you have until you need to start spending the money you're investing. If your time frame is short, we'll suggest a more conservative allocation to preserve your assets. If you won't need the money for many years, we'll suggest an allocation that will give your assets the potential to grow over time.
-
Question 5 of 11
My current and future income sources (for example, salary, social security, pensions) are...
Why am I being asked this question?
Your asset mix could be more conservative or aggressive depending on your current and future income sources. A stable financial outlook provides a solid foundation on which to base your investment strategy. Generally, more stability affords you more opportunity to take on investment risk. Less stability suggests that a more conservative approach might better serve your long-term interests.
What does my answer mean?What does my answer mean?
Consider the income sources you expect to have in the future, such as when you retire. How certain are you that they'll be there for you when the time comes? We'll consider your estimated degree of financial stability as another factor in determining an appropriate asset allocation.
-
Question 6 of 11
From September 2008 through October 2008, bonds lost 4%. If I owned a bond investment that lost 4% in two months, I would...
(If you owned bonds during this period, please select the answer that matches your actions at that time.)
Why am I being asked this question?
Market volatility can cause uncertainty and fear. Risk tolerance is how comfortable you are during volatile times, when market swings can dramatically change the value of your investments. This is another key factor in finding the right asset mix. Taking on more risk can lead to higher returns, but it can also result in substantial losses. Conversely, a mix that's too conservative can keep you from the growth you need to achieve your goals. We can help you find the balance that's right for you.
What does my answer mean?What does my answer mean?
If you're inclined to sell all or a portion of your investments during a volatile time in the market, that suggests you have a lower risk tolerance and may prefer a more conservative asset mix. If you tend to hold on to your investments or even buy more during this time, you have a higher risk tolerance and may feel comfortable with an aggressive allocation.
-
Question 7 of 11
The chart shows the greatest 1-year loss and the highest 1-year gain on 3 different hypothetical investments of $10,000.* Given the potential gain or loss in any 1 year, I would invest my money in...
*The maximum gain or loss on an investment is impossible to predict. The ranges shown in the chart are hypothetical and are designed solely to gauge an investor's risk tolerance.
Error! Please select one of the options above before selecting next
*The maximum gain or loss on an investment is impossible to predict. The ranges shown in the chart are hypothetical and are designed solely to gauge an investor's risk tolerance.
-
Question 8 of 11
During market declines, I tend to sell portions of my riskier assets and invest the money in safer assets.
Why am I being asked this question?
How would you feel if you saw a sudden change in your account balance-for better or worse? Taking on less risk may not provide returns as high as a riskier approach might. However, it will probably have fewer swings in value. And that can provide peace of mind during volatile times.
What does my answer mean?What does my answer mean?
Risk tolerance is another key element in finding the right asset mix. Some investors don't mind the market's ups and downs and are comfortable taking on significant risk. Others prefer a portfolio that stays on a more even keel. If the peace of mind that comes with lower volatility is important to you, we won't suggest an overly aggressive asset allocation.
-
Question 9 of 11
I would invest in a mutual fund or ETF (exchanged-traded fund) based solely on a brief conversation with a friend, co-worker, or relative.
-
Question 10 of 11
From September 2008 through November 2008, stocks lost over 31%. If I owned a stock investment that lost about 31% in three months, I would...
(If you owned stocks during this period, please select the answer that matches your actions at that time.)
Why am I being asked this question?
Market volatility can cause uncertainty and fear. Risk tolerance is how comfortable you are during volatile times, when market swings can dramatically change the value of your investments. This is another key factor in finding the right asset mix. Taking on more risk can lead to higher returns, but it can also result in substantial losses. Conversely, a mix that's too conservative can keep you from the growth you need to achieve your goals. We can help you find the balance that's right for you.
What does my answer mean?What does my answer mean?
If you're inclined to sell all or a portion of your investments during a volatile time in the market, that suggests you have a lower risk tolerance and may prefer a more conservative asset mix. If you tend to hold on to your investments or even buy more during this time, you have a higher risk tolerance and may feel comfortable with an aggressive allocation.
-
Question 11 of 11
Generally, I prefer an investment with little or no ups and downs in value, and I am willing to accept the lower returns these investments may make.
Why am I being asked this question?
How would you feel if you saw a sudden change in your account balance-for better or worse? Taking on less risk may not provide returns as high as a riskier approach might. However, it will probably have fewer swings in value. And that can provide peace of mind during volatile times.
What does my answer mean?What does my answer mean?
Risk tolerance is another key element in finding the right asset mix. Some investors don't mind the market's ups and downs and are comfortable taking on significant risk. Others prefer a portfolio that stays on a more even keel. If the peace of mind that comes with lower volatility is important to you, we won't suggest an overly aggressive asset allocation...
-
My current asset allocation.
Enter the current asset allocation in whole numbers. Your percentages must total 100%. If you don't enter any percentages, the questionnaire will assume that 100% of your assets are in short-term reserves.
- Type in percentage
- Type in percentage
- Type in percentage
Error! Your total percentage should be equal to 100.0%