Step 1: RISK TOLERANCE QUESTIONNAIRE
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- Caroline Knight
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1 Step 1: RISK TOLERANCE QUESTIONNAIRE DIRECTIONS: For each question, select the answer that most closely corresponds to your situation, then circle the number that appears in the Column next to your answer. Please note that this questionnaire is only intended to be a rough guide. For guidance with your specific financial situation, you should consult a qualified tax advisor and/or investment professional. How many years until you plan on withdrawing regular income from your retirement account? A. Less than 5 years 0 B. Between 5-10 years 8 C. Between years 17 D. Between years 26 E. More than 20 years 35 What is your current Retirement Savings-to- Income ratio? (E.g. If you earn $50,000 annually and have $250,000 of retirement assets, then you have saved 5x your annual income.) A. Less than 1x 13 B. Between 1x-5x 10 C. Between 5x-10x 7 D. Between 10x-20x 3 E. Greater than 20x 0 If the stock market were to suffer a decline of 20% over a 3 month period, what would you do with the investments in your retirement account? A. I would sell all of my stock investments and move into fixed income or cash. B. I would sell some of my stock investments and move into fixed income or cash. C. I would not change my portfolio. 7 D. I would move some of my cash and fixed income into stocks. E. I would move all of my cash and fixed income into stocks While reviewing your retirement account statements, you discover that your account has had negative returns for several months in a row. What are you most likely to do with your account? A. I would sell all of my stock investments and move into fixed income or cash. B. I would sell some of my stock investments and move into fixed income or cash. What is the approximate loss in any one year period that you would be willing to accept before deciding to change your investments? One-year loss you would be willing to accept One-year return in an exceptional year Expected longterm annualized return A. > 8% 8-9% 4-5% 0 B % 11-12% 6-7% 3 C % 18-25% 8-9% 6 D % 28-32% 10-12% 10 E. 34% & higher 34% & higher 12-14% 13 TOTAL SCORE (From all 6 questions): C. I would not change my portfolio. 7 D. I would move some of my cash and fixed income into stocks. E. I would move all of my cash and fixed income into stocks How much short-term investment risk are you willing to take in order to achieve larger long-term investment returns? A. I am not willing to take any risk. 0 B. I am willing to take a small amount of risk with my investments. C. I am willing to take a moderate amount of risk with my investments. D. I am willing to take as much risk as is needed with my investments
2 Step 2: INVESTMENT ALLOCATION SAMPLE ASSET ALLOCATION PROFILES SCORE: 0-19 SCORE SCORE SCORE SCORE CONSERVATIVE MODERATELY CONSERVATIVE MODERATE MODERATELY AGGRESSIVE AGGRESSIVE LESS RISK / LESS RETURNS HIGHER RISK / HIGHER RETURNS BONDS: 80% BONDS: 60% BONDS: 40% BONDS: 20% BONDS: 0% LG CAP STOCK: 8% LG CAP STOCK: 11% LG CAP STOCK: 17% LG CAP STOCK: 16% LG CAP STOCK: 21% SM/MID STOCK: 5% INT L STOCK: 4% REAL ESTATE / ENERGY: 3% / 0% SM/MID STOCK: 7% INT L STOCK: 13% REAL ESTATE / ENERGY: 7% / 2% SM/MID STOCK: 12% INT L STOCK: 21% REAL ESTATE / ENERGY: 7% / 3% SM/MID STOCK: 19% INT L STOCK: 35% REAL ESTATE / ENERGY: 7% / 3% SM/MID STOCK: 25% INT L STOCK: 45% REAL ESTATE / ENERGY: 7% / 2% SOURCE OF ANNUAL RETURNS INFORMATION: Charts are for illustrative and educational purposes only. Investments cannot be made directly into indices, which are unmanaged and do not incur any fees or expenses. Investment returns and principal values will fluctuate over time, so that an investor s shares, when redeemed, may be worth more or less than their initial costs. Asset allocations should be rebalanced on a regular basis. Please read the prospectus carefully prior to making an investment into any mutual fund or security. creativeplanning.net
3 AB401k Asset Allocation Strategies Asset ALLOCATIONS: With Core Fund Line Up Aggressive Moderately Aggressive Moderate Moderately Conservative Conservative Fixed Income Intermediate Term Bond Vanguard Intermediate Term Bond Index-Adm (VBILX) 0.00% 20.00% 40.00% 60.00% 80.00% Total Fixed Income 0.00% 20.00% 40.00% 60.00% 80.00% Equities BlackRock S&P 500 Index (WFSPX) 21.00% 16.00% 17.00% 11.00% 8.00% BlackRock Mid Cap Index (BRMKX) 15.00% 11.00% 8.00% 5.00% 3.00% Vanguard Small Cap Index-Admiral (VSMAX) 10.00% 8.00% 4.00% 2.00% 2.00% Blackrock International Index (BTMKX) 26.00% 21.00% 13.00% 8.00% 4.00% Vanguard Emerging Markets Stock Index (VEMAX) 19.00% 14.00% 8.00% 5.00% 0.00% Total Equities 91.00% 70.00% 50.00% 31.00% 17.00% Specialty Vanguard REIT Index Admiral (VGSLX) 7.00% 7.00% 7.00% 7.00% 3.00% Vanguard Energy Fund Adm (VENAX) 2.00% 3.00% 3.00% 2.00% 0.00% Total Specialty 9.00% 10.00% 10.00% 9.00% 3.00% Total % % % % %
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