Risk Tolerance Calculator

To begin, it's crucial to assess your risk tolerance when it comes to investing. We can assist you in this process by providing a risk quiz. By taking our quiz, you'll gain valuable insights that will aid you in determining the optimal allocation of your funds.

Please take a moment to answer the following questions, as they will assist us in constructing a portfolio that aligns with your investment experience and risk category.

It's important to note that there are no right or wrong answers to these questions. Please respond truthfully, as the purpose is to understand your experience and psychological preferences. By considering these factors, we can suggest an allocation that best suits your needs.

Take your time to answer the questions thoroughly and thoughtfully. We appreciate your patience in completing this assessment.

Question 1

What is your current age?

20 - 27

28 - 34

35 - 44

45 - 52

53 - 60

60 and over

Question 2

What percent of your retirement income do you expect your 401k and Profit Sharing plans to provide each month?

One-third of monthly retirement income.

One-half of monthly retirement income.

Two-thirds of monthly retirement income.

Question 3

Choose the response that best describes your past investment experience.

I currently invest regularly, and do most of my own research of Stocks, Bonds and Mutual Funds I buy

I currently invest regularly, and use the services of a broker or other service to get recommendations

I have invested in the past doing my own research on Stocks, Bonds and Mutual Funds I buy

I have invested in the past using the services of a broker or other service to get recommendations

I have only invested in secure assets such as Certificates of Deposit, Annuities or Money Market Accounts

I have not invested in the past

Question 4

Choose the response that best describes your situation.

I am a married participant, and expect that both persons will contribute to retirement income

I have other retirement plans that I will receive when I retire, or rollovers from other plans to be used for retirement

I have private savings and investments that I expect to provide one-third to one-half of my retirement income

I have little or no current savings and investments to be used for retirement

Question 5

In how many years do you reasonably expect to retire?

25 years or more

19 - 24 years

13 - 17 years

9 - 12 years

5 - 8 years

Less than 5 years

Question 6

Most investments in plans fluctuate in value very widely. This is particularly true of aggressive growth Stock Funds and Long Term Bonds. Select the response that best describes your thoughts on that.

I am investing for the long term, and swings in price of 20% or more do not concern me

I am willing to take some increased risks over the long term to help me achieve my financial goals

I am more moderate in my tolerance and would be concerned if my investments decreased by 10%

I am very conservative and do not like much fluctuation in my investments

Question 7

Based on your current knowledge of investing, and if you had extra money to invest, which of the following would you be most likely to do with that money?

I would buy aggressive stocks or an IPO stock

I would buy growth stocks or mutual funds

I would get the advice of a broker or other financial professional to help in the decision

I would buy stock or investments in the local power company or phone company

I would add the money to a savings account or money market account

Question 8

Choose the description that best fits your situation.

I am a regular saver and have never had difficulty in saving money

I save some money from each check but never as much as I should

I am a sometimes saver, whenever I have extra money

I save money only a few times each year when I have special occasions to save for

I have no savings and have never been able to properly save for any reason