PFwise.com - Risk Assessment Calculator

1. My age is between

a. 20-35 b. 36-45 c. 46-55 d. 56-65 e. 66+

2. # of years to retire is

a. 25 or more b. 15-24 years c. 5-14 years d. less than 5 e. None-currently retired

3. Over the next 5-10 years, my family/personal income will

a. probably grow significantly b. grow steadily c. stay relatively flat d. possibly decrease somewhat e. decrease significantly

4. # of people rely on me for their financial welfare in my family (incl. spouse)

a. 0 b. 1 c. 2 d. 3 e. 4 or more

5. Our annual savings are

a. 20% or more of our total earnings b. 10% - 20% of our total earningsoption> c. 0% - 10% of our total earnings d. No savings e. We live on credit

6. My net worth (assets minus debts) is

a. more than $500,000 b. $350,000 to $500,000 c. $150,000 to $350,000 d. $50,000 to $150,000 e. Less than $50,000

7. Amount saved in non-retirement accounts is

a. more than 2 years' salary b. one to two years' salary c. seven months to one year's salary d. two to six months' salary e. one month's salary or less

8. I (we) have life insurance that

a. is more than adequate for all of my family's financial needs b. is adequate to take care of my family's financial needs c. would pay off the mortgage but would not provide much else d. would help my family survive for a year or two e. is inadequate (or nonexistent)

9. I (we) have disability insurance that

a. is more than enough for any amount of time b. is enough for six months to a year c. would help for a while, but we would have to cut back d. would cover some but not all of our expenses not for long e. I (we) don't have disability insurance

10. I have health insurance that provides

a. great coverage for my family b. adequaqte coverage for my family c. catastrophic coverage, after I pay a significant deductible d. good coverage only if I see certain doctors e. I don't have health insurance

11. My family and friends are

a. very supportive. They would let me move in with them. b. pretty supportive. They would lend me some money but I can't move in. c. supportive but not financially capable of helping me out. d. not supportive, but as long as I don't ask for anything, they leave me alone. e. a constant drain on my assets.

12. When I buy stock investments, I

a. might not look at them for a long time after buying them b. follow them regularly to make sure not to make wrong decisions c. try to match my investment with goals, but never sure if I did it right d. would be nervous if I lose money, and I tend to make wrong decisions. e. watch them like a hawk, because I don’t want to lose any principal.

13. The majority of my financial goals are

a. very long-term - at least 15 to 20 years in the future b. fairly long-term - 10 to 15 years in the future c. mixed with short-term, medium-term, and some long-term goals d. short to medium-term - with college bound kids, my retirement is looming e. very short-term - I am retired already

14. What will you do if your core investment has a 20% loss?

a. Buy more shares of the same asset to lower the total costs b. Hold and buy shares of another assets to lower the total risk c. Hold d. I will sell all the holdings before they decrease 20% or less e. Sell

15. Which investment portfolio will you choose?

a. 30% of average annual return with a risk of 30% loss b. 20% of average annual return with a risk of 20% loss c. 15% of average annual return with a risk of 15% loss d. 10% of average annual return with a risk of 10% loss e. 5% of average annual return with a risk of 5% loss

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High Risk Tolerance: You probably have the money and the inclination to take lots of risks. Here are our recommended asset allocation and investment portfolio sample.

Above Average Risk Tolerance:You have an above-average tolerance for risk and probably enough time and income to cover some investment losses. Here are our recommended asset allocation and investment portfolio sample.

Average Risk Tolerance:You have an average tolerance for risk but don't like to gamble. Here are our recommended asset allocation and investment portfolio sample.

Below Average Tolerance:You have below-average tolerance for risk, either because of your age or your income and family circumstances. Here are our recommended asset allocation and investment portfolio sample.

Poor Risk Tolerance:You have virtually no tolerance for risk. Here are our recommended asset allocation and investment portfolio sample.

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