INVESTMENTS


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INVESTMENTS.

Finding investments that fit.
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With the many investment options available, how do you find the ones that are right for you? This questionnaire is a place to start. Time tested investment fundamentals help build portfolios synchronized to an investor’s plans, out- look and time frame. By completing the questionnaire you'll find out which portfolio may be the best fit for you.

Which of the following most accurately describes your general attitude toward investing?

	In order to minimize fluctuations in my investments, I am willing to accept lower possible returns over the long run.
	I am willing to accept possible fluctuations in my investments in order to earn moderate returns over the long run.
	I am willing to accept fluctuations in my investments in order to earn above average potential returns over the long run.
	I am willing to accept large and occasionally drastic fluctuations in my investments in order to have higher potential gains on my investment returns over the long run.

You have $10,000 to invest in one of four assets. The chart below shows the range of possible values of your $10,000 investments after one year (the number in parenthesis represents the portfolio value). With which investment would you be most comfortable?

The ranges of possible values are hypothetical and are for illustrative purposes only; is not indicative of any particular investment or guarantee of future performance.
	Best Case	Most Likely Case	Worst Case
	9% ($10,900)	5% ($10,500)	-1% ($10,100)
	28% ($12,800)	10% ($11,000)	-6% ($9,400)
	43% ($14,300)	13% ($11,300)	-12% ($8,800)
	53% ($15,300)	15% ($11,500)	-17% ($8,300)

In general, which best describes your attitude toward declines in investment value?

	I check the prices of my investments at least several times a month so I can sell quickly if they begin to decline in value.
	Although daily decline in the value of my investments makes me uncomfortable, I will not immediately sell. If my investments suffer a substantial decline over a full quarter, however, I am likely to sell.
	I realize there may be substantial day-to-day changes in the value of my investments. Although I focus on quarterly performance trends, I usually wait an entire year before making any changes.
	Even if my investments suffered significant declines over a given year (in a downmarket), I would continue to follow a consistent, long-term investment plan and retain my investments.

How do you feel about the following statement? Protecting the value of my investment is a more important goal to me than achieving significant growth.

	Strongly Agree
	Agree
	Somewhat Agree
	Disagree
	Strongly Disagree

The risk and return characteristics of any investment are an important part of the decision-making process. Please select the investment characteristics with which you would feel most comfortable.

Return Fluctuations	Long Term Return	Chance of Losing Value in any Single Year
Stable Returns - Low	Low	Low to Moderate
Low to Moderate	Low to Moderate	Moderate to High
Moderate to High	Moderate to High	High
High	High	Very High

The risk of an investment suffering a decline in value (having a negative return) is often a primary consideration for investors. To attain higher returns, however, an investor must be willing to accept short-term risk, volatility of investment value. The following table represents four hypothetical $10,000 investments. For each investment, the expected value at the end of year 3 is displayed along with the chance of suffering a decline in that year. Given your investment objective, in which of the four investments would you be most comfortable investing?

The ranges of possible values are hypothetical and are for illustrative purposes only; is not indicative of any particular investment or guarantee of future performance.
	Expected value of $10,000 after 3 years	Chance of investment value being less than $10,000 after 3 years
	$11,600	0%
	$13,100	4%
	$14,100	8%
	$14,900	11%

Inflation can greatly erode the return on your investments. For example, in a typical year with a 3% inflation rate, an investment with a 7% return before inflation would have a post-inflation return of only 4%. Which of the following best summarizes your attitude regarding investments and inflation?

	I prefer to minimize short-term fluctuations in investment value and potential for loss as much as possible, even if it means that my investment is expected to only keep pace with inflation.
	I prefer an investment that is expected to moderately exceed inflation over the long run and I am willing to accept moderate short-term fluctuations in investment value (and a moderate potential for loss) to achieve this goal.
	I prefer investment returns that are expected to be higher than inflation over the long run and I am willing to accept short-term fluctuations in investment value (and a greater potential for loss) to achieve this goal.
	I prefer investment returns that are expected to substantially out perform inflation over the long run and am therefore willing to accept possibly large short-term fluctuations in investment value (and a greater potential for loss) to achieve this goal.

Suppose that over the past fifteen years, one of your investments had the following patterns of returns, which is similar to other investments with the same objective. What would you do at this point?

	The ranges of possible values are hypothetical and are for illustrative purposes only; is not indicative of any particular investment or guarantee of future performance.
	I would buy more of the investment.
	I would sell some of the investment.
	I would sell all of the investment.
	I would hold on to my existing investment.

Time Horizon: Given your financial objective, when (and if) do you expect to begin withdrawing money from your account? ( In a life insurance policy, cash value is accessible through partial surrenders and/or loans.)

	Under 3 years
	6-8 years
	9-11 years
	12+years

When you begin withdrawing money how long do you expect these withdrawals to continue?

	Lump sum withdrawal
	1-5 years
	6-10 years
	10-15 years
	15+years


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