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DETERMINE YOUR RISK PROFILE AND
INVESTMENT OBJECTIVES
The first step in the Asset Management Process
is to determine your investor profile. This profile will help define
important factors such as your investment objectives, time horizon, and
your attitude toward investing.
This profile will help build the base of
information needed for you to progress to the next step in the asset
management process- the development of an appropriate asset allocation
policy.
Investment
Objectives
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| Which of the following best describes your
investment objectives?
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| Preserving principal and earning a moderate
amount of current income.
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| Generating a high amount of current
income.
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| Generating some current income and growing my
assets.
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| Growing my assets substantially.
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| Five years from now, what do you expect your
standard of living to be?
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| The same as it is now?
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| Somewhat better than it is now?
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| Substantially better than it is now?
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| Ten years from now, what do you expect your
portfolio value to be?
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| The same as or a little more than it is
today?
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| Moderately greater than it is today?
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| Substantially greater than it is today?
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| What is your current income requirement
(interest plus dividends) from this portfolio?
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| More than 4%.
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| 2% to 4%.
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| 0% to 2%.
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| What do you want to do with the income
generated by your portfolio??
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| Receive all income.
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| Receive some and reinvest some.
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| Reinvest all income.
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Risk
Tolerance
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| You just received a substantial sum of money.
How would you invest it?
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| I would invest in something that offered
moderate current income and was very safe.
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| I would invest in something that offered high
current income with a moderate amount of risk.
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| I would invest in something that offered high
total return (current income plus capital appreciation) with a moderately
high amount of risk.
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| I would invest in something that offered
substantial capital appreciation even though it had a high amount of
risk.
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| Which of the following statements best
describes your reaction if the value of your portfolio suddenly declined
15%?
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| I would be concerned because I cannot accept
fluctuations in the value of my portfolio.
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| If the amount of income I received was
unaffected, it would not bother me.
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| I invest for long-term growth but would be
concerned about even a temporary decline.
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| I invest for long-term growth and accept
temporary changes due to market fluctuation.
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| Which of the following investments would you
feel most comfortable owning?
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| Certificate of deposit.
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| U.S. Government securities.
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| Stocks of older, established companies.
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| Stocks of newer, growing companies.
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| How optimistic are you about the long-term
prospects for the economy?
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| Pessimistic.
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| Unsure.
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| Somewhat optimistic.
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| Very optimistic.
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Time
Horizon
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| What is the time frame for you to achieve
your financial goals?
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| 5-10 years.
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| 10-15 years.
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| 15 years or longer.
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What is your primary financial goal?
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Wealth preservation.
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Education funding.
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| Retirement planning.
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| Long-term wealth accumulation.
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| What is your age? |
| Over 66.
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| 56-66.
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| 46-56.
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| Under 46.
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Total
Investor Score:
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Under 30 100% Fixed Income
28 - 43 40% equity / 60% Fixed Income Mix
38 - 48 60% Equity / 40% Fixed Income Mix
44 - 56 80% Equity / 20% Fixed Income Mix
50 - 62 100% Equity Mix
Please take a look at the appropriate category that you fit in. If you
are interested in having our office contact you, please fill in your name,
phone, and email address and click on the Send button.
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