Investment Risk Tolerance Questionnaire - RBIRetirement Benefits Institute

How to take the questionnaire.

There are only 19 multiple choice questions. Please only provide 1 answer for each question that best describes you. All questions must be answered to provide the most accurate assessment of your risk tolerance. The results will be provided when you complete the questionnaire and click the submit button. Have fun and remember there are no right or wrong answers.

(1) Which investment objective is most important to you?

Preserving my investment
Generating current income while preserving the value of my investment.
Increasing the value of my investment.

(2) Which of the following portfolios would you feel most comfortable?

U.S. Government securities and high-grade corporate bonds.
Stock of established companies.
Stocks of smaller, growing companies.

(3) Which of the following portfolios would you feel least comfortable?

Stocks of smaller, growing companies.
Stocks of established companies.
U.S. Government securities and high-grade corporate bonds.

(4) If your investment suddenly declined 20%, which statement best describes your reaction according to your long-term objectives?

I would be very concerned about a sudden decline.
I would be moderately concerned about a sudden decline.
I would not be overly concerned about a sudden decline.

(5) How do you feel about the economy overall?

Not very optomistic.
Undecided
Positive

(6) In how many years will you need these funds?

0 to 5 years.
6 to 10 years.
Over 10 years.

(7) What is your primary financial goal?

Asset preservation or emergency savings.
Mid-life goals (ex: education, early retirement, vacation home).
Long-term wealth.

(8) What is your age?

Over 60
55 to 60
36 to 54
20 - 35

(9) In what range does your household salary fall?

$25,000 to $50,000
$50,001 to $100,000
More than $100,000

(10) What is your TSP balance?

Less than $100,000
$100,000 to $250,000
$250,000 to $500,000
Greater than $500,000

(11) How many dependents do you have, including grown children and elderly parents, who depend on your financial assistance?

None
1 to 3
4 or more

(12) Do you expect your employment will change over the next several years?

I anticipate a steady growing income.
I think it will fluctuate widely.
I fear I might lose my job or plan to retire.

(13) How would you describe your financial "cushion" to meet unexpected emergencies?

More than adequate. I have more than enough cash in a money-market fund or other short-term investments to meet my needs. I may even carry more insurance than I need.
Adequate. I have ample liquid assets. I have enough insurance and my monthly obligations are manageable.
Borderline. I have a modest amount of cash and some insurance. but I may need to dip into my investment or borrow in an emergency.
Inadequate. My reserves are insufficient at the present time.

(14) What is your attitude toward insurance?

I stay well insured because I'm highly adverse to suffering large losses. I spend more for policies with low deductibles becasue I want maximum coverages.
I have adequate insurance and my deductibles are low.
I have adequate coverage, but I buy policies with high-deductibles to lower my premiums.
I don't believe in having any more insurance than is absolutely necessary.

(15) How would you describe your investment philosophy?

I am conservative in my approach and understand that growth of principle may be limited in order to reduce the risk of loss.
I prefer a moderate approach with an average level of risk in the pursuit of growth.
I am an aggressive investor willing to accept higher risk in pursuit of higher growth.

(16) How much of an increase in the value of your portfolio do you expect 5 years from now?

A slight increase in value.
A moderate increase in value.
An above average increase in value.

(17) How do you expect your standard of living to adjust over the next 5 years?

Decline
Remain the same
Improve

(18) What do you want to do with the income from your investment portfolio?

Receive all the income.
Receive some and reinvest some.
Reinvest all.

(19) What is your investment focus?

Income
A blend of income and growth.
Growth

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