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    1. Approximately what portion of your total "investable assets" -- the dollar amount of the investments you currently have -- will this investment represent?

     

    Less than 25%
    Between 25 and 50%
    Between 51 and 75%
    More than 75%

     

    2. Which ONE of the following describes your expected future earnings over the next five years?
    (assume inflation will average 4%)

     

    I expect my earnings increases will far outpace inflation (due to promotions, new job, etc.)
    I expect my earnings increases to stay somewhat ahead of inflation.
    I expect my earnings to keep pace with inflation.
    I expect my earnings to decrease. (Retirement, part-time work, economically-depressed industry, etc.)

     

    3. Approximately what portion of your monthly take-home income goes toward paying off installment debt (auto loans, credit cards, etc.) other than a home mortage?

     

    Less than 10%  
    Between 10% and 25%  
    Between 25% and 50%  
    More than 50%  

     

    4. How many dependents do you have?

     

    None
    1
    2-3
    More than 3

     

    5. Do you have an emergency fund?

     

    No
    Yes, but less than six months of after-tax income.
    Yes, I have an adequate emergency fund.

     

    6. If you expect to have other major expenses (such as college tuition, home down payment, home repairs, etc.) do you have a separate savings plan for these expenses?

     

    Yes, I have a separate savings plan for these expenses.
    I do not expect to have any such expenses.
    I intend to withdraw a portion of this money for these expenses.
    I have no separate savings plan for these items at this time.

     

    7. Have you ever invested in individual bonds or bond mutual funds?

     

    No, and I would be uncomfortable with the risk if I did.
    No, but I would be comfortable with the risk if I did.
    Yes, but I was uncomfortable with the risk.
    Yes, and I felt comfortable with the risk.

     

    8. Have you ever invested in individual stocks or stock mutual funds?

     

    No, and I would be uncomfortable with the risk if I did.
    No, but I would be comfortable with the risk if I did.
    Yes, but I was uncomfortable with the risk.
    Yes, and I felt comfortable with the risk.

     

    9. Which ONE of the following statements describes your feelings towards choosing an investment?

     

    I would only select investments that have a low degree of risk associated with them (i.e. it is unlikely I will lose my original investment).
    I prefer to select a mix of investments with emphasis on those with a low degree of risk and a small portion in others that have a higher degree of risk that may yield greater returns.
    I prefer to select a balanced mix of investments -- some that have a low degree of risk, but with emphasis on others that have a higher degree of risk that may yield greater returns.
    I prefer to select an aggressive mix of investments -- some that have a low degree of risk, but with emphasis on others that have a higher degree of risk that may yield greater returns.
    I would only select an investment that has a higher degree of risk and a greater potential for higher returns.

     

    10. If you could increase your chances of improving your returns by taking more risk, would you:

     

    Be willing to take a lot more risk with all your money.
    Be willing to take a lot more risk with some of your money.
    Be willing to take a little more risk with all your money.
    Be willing to take a little more risk with some of your money.
    Be unlikely to take much more risk.

     

    11. In approximately how many years do you expect to need the money you're investing?

     

    2-3 years
    4-6 years
    7-10 years
    10-15 years
    More than 15 years

     

    12. Do you expect to withdraw more than one-third of the money in this account?

     

    No
    If Yes, when do you expect to withdraw from the account?
    Within 3 years
    4-6 years
    7-10 years

    Add up your total points for all 12 questions.

     

    Based on your answers to the above questions, our Asset Optimizer has awarded you a total point score. Compare that point score to the point ranges in the boxes below, then use the portfolios below as a guide.

     

    Return to Financial Planning Guide

     


    If you're investing for less than two years    :


    Score: 0 to 75

    Chart2.gif (2700 bytes)


    Score: 76 to 132

    Chart3.gif (2664 bytes)


    Score: 133 to 179

    Chart4.gif (2615 bytes)


    Score: 180 or more

    Chart5.gif (2219 bytes)

     

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