Information
Name
*
First Name
Last Name
Email
*
example@example.com
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Goals & Objectives
As you think about the money you are investing, which of the following objectives are important? Select all that apply.
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Grow - Accumulate my wealth
Preserve - Don't lose my money
Inflate - Increase my purchasing power (grow faster than the pace of inflation)
Reduce Taxes - Invest my money in a way to reduce my taxes and increase after-tax return
Retire - Planning and preparing for my retirement
Generate Income - Create income stream for my current needs
Specific Objective - Save for a major expenditure or purchase
Other
Of the goals you selected, which is MOST important?
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Please Select
Grow - Accumulate my wealth
Preserve - Don't lose my money
Inflate - Increase my purchasing power (grow faster than the pace of inflation)
Reduce Taxes - Invest my money in a way to reduce my taxes and increase after-tax return
Retire - Preparing for my retirement
Generate Income - Create income stream for my current needs
Specific Objective - Save for a major expenditure or purchase (e.g. a House)
When do you anticipate either consistent withdrawals or needing to access a significant portion of your investments?
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Within the next 2 years
2-5 Years
6-10 Years
11-20 Years
Over 20 Years
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Risk Attitudes
Which statement most aligns with your notion of investment "risk"?
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Volatility of your account balance
Running out of money
Permanent loss of capital
Missing out on a growth opportunity
Temporary but significant decline of capital
Imagine we're sitting around the dinner table with 5 of your closest friends and family. If I asked them how they perceive your approach to investing, how do you think they would describe you?
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Jerry Macquire - Show me the money!! Aggressive and not afraid to take chances.
Chicken Little - Risk-averse and super cautious.
Cool, Calm & Collected - Win some, lose some, but you have to stay in the game.
Adaptable - Willing to take opportunistic risks after adequate research.
An Ostrich - With your head in the sand, ignorance is bliss.
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Risk Attitudes
Out of the two options below, which one do you prefer?
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100% chance of gaining $20,000
75% chance of gaining $40,000; 25% chance of gaining nothing
You are then presented with another set of two options below. Now which do you prefer?
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100% chance of losing $20,000
50% chance of losing $50,000; 50% chance of losing nothing
How easy do you think it was to predict the market turmoil due to the Cornavirus in early 2020?
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Easy. It was so obvious.
Not that easy, but doable.
It was difficult to predict.
What the heck are you talking about?
Do you believe you can pick investments that consistently beat the market?
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No, not really
Yes, you can
Maybe, but should I care?
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Risk Tolerance
Imagine you are considering investing $1,000,000 and have six different investment options, each with a different range of potential returns over one year (illustrated below).
Which option would you choose?
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Option A. $30k possible gain with no loss
Option B. $60k potential gain with a possible loss of -$20k
Option C. Potential gain of $110k with a possible loss of -$50k
Option D. Potential gain of $210k with a possible loss of -$105k
Option E. Potential gain of $300k with a possible loss of -$180k
Option F. Potential gain of $380k with a possible loss of -$240k
If you lose -$20,000 you may need to wait 4-6 months to recover
If you lose -$50,000 you may need to wait 8-12 months to recover
If you lose -$105,000 you may need to wait 12-18 months to recover
If you lose -$180,000 you may need to wait 2-3 years to recover
If you lose -$240,000 you may need to wait over 4 years to recover
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Risk Tolerance
Now imagine that same $1,000,000 investment began to decline in value rapidly amid a broader market shock. In a matter of weeks, the stock market has "crashed" by record levels. By how much could this investment decline before you begin to feel uncomfortable?
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Any decline would make me feel uncomfortable
-$100,000 (down 10%)
-$200,000 (down 20%)
-$300,000 (down 30%)
-$400,000 (down 40%)
-$500,000 or more (down 50%+)
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Risk Tolerance
Finally, let's assume that instead of declining, the stock market is growing quickly, up over 40% in a single year. How much would you expect your $1,000,000 investment to have earned in order to feel satisfied with your return?
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$400,000 or more (up 40%+)
$300,000 (up 30%)
$250,000 (up 25%)
$200,000 (up 20%)
$100,000 (up 10%)
No gain is fine as long as it's all still there.
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