Investment Attitude toward Risk & Return Questionnaire

All investments involve some level of risk. Most people naturally think of losses to market investments, but other risks relate to conservative accounts not keeping pace with inflation over time & risks of interest rate changes etc. can have meaningful impacts on your financial planning situation. This questionnaire will help us address your situation as accurately as possible.

***All return percentages are hypothetical and do not represent any specific investment or represent a guarantee of returns***

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* 1. Client #1 Name

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* 2. Client #2 Name (if applicable)

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* 3. How would you describe your level of investment knowledge?

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* 4. Which statement most closely matches your interest in and involvement with researching your investments and staying up to date with economic issues?

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* 5. When do you anticipate beginning Withdrawals? 

  N/A Less than 1 yr or Current 1-3yrs 3-5yrs 6-9yrs More than 10yrs
Client 1 Retirement
Client 2 Retirement
College Savings
Other*

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* 6. Upon reaching goal, How long do you expect to take withdrawals?

  N/A Lump sum distribution 1-3yrs 3-5yrs 6-9yrs More than 10yrs
Client 1 Retirement
Client 2 Retirement
College Savings
Other*

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* 7. What is your average annual rate of return objective?

  N/A Less than 4% 4-6% 6-8% 8-10% More than 10%
Client 1 Retirement
Client 2 Retirement
College Savings
Other*

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* 8. What is your current Annual Household Income

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* 9. What is your approximate net worth?

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* 10. When considering your retirement accounts, how do you rank each of the following importance scale

  1. Not at all 2. Somewhat important 3. Moderately important 4. Important 5. Very important
Capital preservation (More important = less risk you are willing to take & the more conservative your portfolio would need to be)
Growth (More important = more short-term downside risk you are willing to take in exchange for a higher anticipated long-term return potential)
Low volatility (the accepted variation in your investment returns) (More important = narrower range of possible returns with lower expected average long-term return)

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* 11. Aggressive investments have historically provided higher returns and a greater ability to outpace inflation (the rising price of goods & services over time), but have had greater short-term price fluctuations and more instances of short-term losses. How do you feel about fluctuations in the value of your portfolio?

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* 12. The graph above shows the potential range of gains or losses of a $100,000 investment in each of seven hypothetical portfolios at the end of a 1-year period. The number to the right of each bar shows the best potential gain for that portfolio, while the number to the left of each bar show the worst potential loss. Given that this is the only information that you have on these 7 hypothetical portfolios, which would you choose to invest in?

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* 13. In 2008, the stock market as measured by the S&P 500 was down approximately 37%. What statements best described your situation & response?

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* 14. January 1, 20XX, you invested $500,000. Significant financial events occur and your current statement shows your value is now $400,000. Based on what you learned from 2008, but reflecting your current situation, what would you ask me to do?

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* 15. Do you have a preference regarding the use of Passive Index investments vs Actively Managed investments?

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* 16. Do you have any asset classes or sectors that you would like to emphasize or avoid?

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* 17. What is the current approximate value of your investable assets?

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* 18. Which of the following best describes your current employment situation (Check multiple)?

  Client 1 Client 2
Full-Time (income increasing greater than 3% per year)
Full-Time (income increasing 0-3% per year)
Full-Time (income fairly flat)
Part-Time
Retired
Unemployed
Homemaker

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* 19. Having thought through these questions, where would you place yourself on a scale of 1 to 100 when it comes to your ability to emotionally handle risk in your investment portfolio compared to others.
Select any number, but here are some markers to guide you.
1 = Incapable of handling fluctuation in your investment accounts and it should all be in cash
20 = Very conservative portfolio of mostly fixed income investments
50 = Moderate level of risk (typically a 60% stock/40% fixed income type of portfolio)
80 = You have a growth focus and want a diversified portfolio primarily consisting of 100% stock mutual funds &/or ETF's
100 = You can't imagine anyone more aggressive than you. You want individual securities, speculative investments and active trading to attempt to beat the markets.

This scale is used for projections with our financial planning software as well as our risk modeling portfolio analysis software.

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* 20. Please enter your contact information below:

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* 21. Please enter any feedback or any additional information that may be helpful to understand your situation better.

Registered Representative offering securities and advisory services through Independent Financial Group, LLC (IFG), a registered broker-dealer and investment advisor. Member FINRA/SIPC. Phase Four Financial Solutions and IFG are unaffiliated entities. OSJ Branch: 12671 High Bluff Dr Ste 200 San Diego, CA 92130.
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