Therefore you should consider your "tolerance for risk" i.e. (large swings in the value of your investments) when developing your investment portfolio. The following Risk Questionnaire will be a simple starting point for determining your risk profile.

Please answer the following 7 multiple choice questions:

1. My current age is:
a. Under 30.
b. 30 to 39.
c. 40 to 55.
d. 56 to 65.
e. Over 65.

2. I plan to begin withdrawing money from my investments in:
a. Less than 5 years.
b. 5 to 10 years.
c. 10 or more years.

3. My emergency savings fund is equal to:
a. Zero.
b. One month of my take home pay.
c. Two months of my take home pay.

4. My investment experience is best described as follows:

	a.	I have money in my company retirement plan, but I'm not sure whether I'm invested in stock mutual funds or bond mutual funds, conservative or aggressive. (If you answer this questions with box (a) please send us an email. We can have the investment professional handling your companies plan to contact you.)
	b.	I've never invested in stocks, either directly or through mutual funds.
	c.	I've invested small amounts of money in stocks or stock mutual funds.
	d.	I've invested a fair amount of money in stocks or stock mutual funds & understand the risk & reward of owning stock funds for the long term.

5. Once I begin withdrawing the money I've accumulated, I plan to use these funds over a period of:
a. Less than a year for a large purchase.
b. Less than 5 years.
c. Less than 10 years.
d. Over my life expectancy to supplement Social Security benefits.

6. How might you respond to fluctuations in your investments?

	a.	I am very concerned any time my investments lose value and might sell quickly if they start to lose money.
	b.	Day-to-day market moves make me uncomfortable. If an investment loses 5% or more over a full quarter, I am likely to likely to panic and sell for safer lower risk investments.
	c.	I realize there are lots of random day-to-day movements in the market. I will wait until I have watched the performance of an investment for at least a year before making changes.
	d.	Even if poor market conditions result in losses of up to 20% in a given year, I follow a consistent, long-term investment plan.

7. Consider the range of high and low returns that might result from a $10,000 investment in four different investment scenarios over a 10-year period. Keep in mind that investments offering higher returns often involve greater risks. Which range of possible outcomes would be most acceptable to you?
Value of $10,000 investment after 10 years -
a. Best case: $46,412; Worst case: $6,839.
b. Best case: $72,325; Worst case: $4,275.
c. Best case: $28,760; Worst case: $8,533.
d. Best case: $13,192; Worst case: $10,225.