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The Fundamentals of Your Personal Investment Portfolio

Effective retirement planning is more than just picking the funds that have had the best performance over the past year. The investment options you choose will depend on 2 major factors: your life circumstances and your investor type.

Use the following quiz to answer a few easy questions and determine the asset allocation strategy that may be right for you.

Your Risk Tolerance

How much risk are you willing to take based on your age, your retirement goals and your financial situation?

Strongly disagree
1
2
3
4
5
Strongly agree
1 2 3 4 5
I am willing to risk short-term loss for a potentially higher long-term gain.
Earning higher long-term returns to allow my money to outpace inflation is one of my most important investment objectives.
I’m willing to tolerate sharp up and down swings in the value of my investments for a potentially higher return than I might expect from more stable investments.
I do not expect to withdraw money from my retirement savings within the next five years.

Your Life Circumstances

Life circumstances can be best described as how many years you have until you retire and how many years until you expect to take distributions from your retirement plan.

Years
0-4 5-9 10-14 15-19 20+
Number of years until I expect to take distributions from my retirement plan.
Number of years until I plan to retire.
Get my Investor Style

The Conservative Investor

You seek safety & security. You need to know that your investments are increasing steadily each year even though this will mean lower returns in the long run.

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The Moderate Investor

You want a balance between lower and higher risk investments and are willing to accept occasional losses knowing that accepting this risk is the price paid for higher returns over time.

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The Aggressive Investor

You are comfortable with higher risk because you are seeking maximum long term gains and are not concerned about short term losses.

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The Conservative Investor

You seek safety & security. You need to know that your investments are increasing steadily each year even though this will mean lower returns in the long run.

The Moderate Investor

You want a balance between lower and higher risk investments and are willing to accept occasional losses knowing that accepting this risk is the price paid for higher returns over time.

The Aggressive Investor

You are comfortable with higher risk because you are seeking maximum long term gains and are not concerned about short term losses.

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The information displayed is not intended to constitute “investment advice.”