There are many varied thoughts and philosophies on risk tolerance, investment strategies and long-term financial goals. To help you determine which mix of investments may be best suited for you, take this quiz to determine an appropriate mix based on your investment style. Your quiz results will be calculated automatically and your point total will identify a sample investment allocation model based on your risk tolerances and growth goals. The models are designed for retirement planning and assume that you have enough other income to meet your short-term needs.
This quiz is intended to be used as a general guide only. To receive a tailored investment program designed just for you, click on the Contact Us to have a Oswald Financial, Inc. adviser contact you.
Time Horizon |
| 1. |
Given your retirement objective, when do you expect to begin making withdrawals from your retirement plan? |
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| 2. |
Once withdrawals begin, how long do you plan on the withdrawals lasting? |
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Risk Tolerance |
| 3. |
Inflation (the rising of prices over time) can reduce the buying power of money. This means that a dollar today would buy less than a dollar did 20 years ago. Historically, investments that have outpaced inflation have been associated with a high amount of risk (fluctuation in value). Which of the following best represents your opinion? |
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| 4. |
Which best describes your attitude toward declines in your investment value? |
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| 5. |
You have $50,000 to invest in one of four investment options. The chart below shows the range of possible returns on your $50,000 investment after one year. With which investment would you be most comfortable? |
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Best Case |
Most Likely Case |
Worst Case |
| A |
15% |
7% |
-1% |
| B |
28% |
10% |
-6% |
| C |
38% |
12% |
-11% |
| D |
48% |
14% |
-15% |
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| 6. |
The risk of an investment suffering a decrease in value (having a negative return) is often a principal concern for investors. To achieve potentially higher returns, the investor must be willing to accept higher risk. The following table portrays four different hypothetical $10,000 investments. For each investment, the expected value at the end of one year is shown along with the probabilities of suffering a decline, rather than a gain that year. Given your investment objective, in which of the four hypothetical investments would you be most comfortable investing? |
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| Investment |
Expected value of $10,000 after 1 year |
Probability of investment value Being less than $10,000 after 1 year |
| Investment A |
$10,700 |
5% |
| Investment B |
$10,900 |
10% |
| Investment C |
$11,100 |
16% |
| Investment D |
$11,300 |
22% |
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| 7. |
Suppose that several years ago you purchased a stock mutual fund. Over its entire history, the fund has performed well. Over the last year, however, it has lost 15% of its value, which is consistent with the performance of similar funds. Which of the following best matches your reaction to this poor performance? |
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| 8. |
Which of the following best describes your investment objective |
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