• Investment Policy Statement (ACCESS)

    This questionnaire is for our Access level of service.
    • Preliminary Questions 
    • Date of Birth
       - -
      2 digit month, 2 digit day, 4 digit year
    •  -
    • Information on Spouse 
    • Date of Birth
       - -
      2 digit month, 2 digit day, 4 digit year
    •  -
    • Information on Children 
    • Name of the Children
    • Beneficiary Information 
    • Primary Beneficiaries
    • Contingent Beneficiaries
    • Objectives & Risk Profile 
    • Primary Goals (please check all that apply)
    • On a scale of 1 to 5 (1 being the most important) please rate the following in order of importance:
      Rows
    • Risk Assessment Questionnaire 

    • Different investors have different risk tolerances. Much of these differences stem from the time horizon. With this in mind, an investor with a short investment time horizon is less able to withstand losses. The remaining differences are attributed to an investors tolerance for risk. The following questions will allow us to better determine your individual Risk Profile, such as overall ability (time horizon) and willingness (risk tolerance). At the end of the questionnaire, your total score will suggest which of the five Risk Profiles suit you best.

    • Time Horizon

    • Risk Tolerance

    • 3. Inflation can greatly erode the return on your investments, especially over time. For example, in a typical year with a 3.5% inflation rate, a 6% return before inflation would have a real return of only 2.5% (6% – 3.5% = 2.5%). Which of the following portfolios is most consistent with your thoughts regarding investing and inflation?
    • 4. Portfolios with the highest average returns also tend to have the highest chance of short-term losses. The table below provides the average dollar return of five hypothetical investments of $100,000 and the possibility of lower value (ending value of less than $100,000) or higher value (ending value of more than $100,000) over a one - year holding period. Please select the portfolio with which you are most comfortable investing.
    • 5. Investing involves a trade-off between risk and return. Historically, investments with higher returns have been associated with greater risk and chance for loss. Alternatively, cautious investments that have had a lower chance for loss, also have yielded lower returns. Considering the above, which of the following statements best describe your thoughts regarding risk?
    • 6. Sometimes investment losses are permanent, sometimes they are prolonged, and sometimes they are short-term followed by market recoveries. How might you respond when you experience investment losses?
    • 7. The options below describe five sample portfolios and their potential* portfolio gain and loss outcomes over a short time horizon (i.e. 1 year). Note: Investments carrying a higher risk come with the potential of achieving more gains, but also a higher possibility of incurring considerable losses. *Potential portfolio gain/loss values are for illustrative purposes. Clients should not rely on such figures to be indicative of their portfolio gain/loss with the bank. Which of the following sample portfolios would be most attractive to you?
    • Should be Empty: