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Investor Quiz
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Investor Profile Quiz
    

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    Investing is part science, part art, and very personal. Taking this quiz will be fun and educational. This financial survey will help you to assemble a basic profile of how your attitudes about handling risk might take shape at this stage in your life. There are no right or wrong answers in this quiz. After taking this quiz compare your results with the three sample portfolios we have assemble for you look at.

    When you have finished answering all questions, click the [Total Score] button. Your total can be used with the key below to assess how your investor profile is positioned.
     

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1. I may need to liquidate a portion or all of this investment in:
  a. 2 years or less 
  b. 2 to 5 years 
  c. 5 to 10 years
  d. 10 years or more 
 
2. My age group is:
  a. Under 30
  b. 30 to 44 
  c. 45 to 60 
  d. 60 to 74
  e. 75 and older
 
3. I have a cash reserve equal to 3 to 6 months expenses.
  a. Yes 
  b. No 
 
4. My primary source of income is:
  a. Salary and other earnings from my primary occupation
  b. Earnings from my investment portfolio 
  c. Retirement pension and/or Social Security 
 
5. I will need regular income from this investment now or in the near future.
  a. Yes 
  b. No 
 

6. Over the long run, I expect this investment to average returns of:
  a. 5% annually or less 
  b. 5% to 10% annually
  c. 10% to 15% annually
  d. 15% to 25% annually 
  e. Over 25% annually 
 

7. The worst loss I would be comfortable accepting on my investment is:
  a. Less than 5%. 
  b. 5% to 10%.  
  c. 10% to 20%. 
  d. Over 20%.  
 

8. If the stock market were to suddenly decline by 10-15%, which of the following would most likely be your reaction?
  a. I should have left the market long ago, at the first sign of trouble. 
  b. I should have substantially exited the stock market by now to limit my exposure. 
  c. Iím still in the stock market but Iíve got my finger on the trigger. 
  d. Iím staying fully invested so Iíll be ready for the next bull market. 
 

9. The best way to protect my investment when stock prices are falling is:
  a. To time my purchases and sales of stock to avoid large losses.
  b. To invest in stocks now to take advantage when prices start to rise.
 
10. The best strategy to employ when stock prices are falling is:
  a. Liquidate stocks and hold cash in stead. 
  b. Use more sophisticated trading techniques to make a profit as prices decline. 
  c. Wait it out because the market will eventually recover. 
 

11. I would classify myself as:
  a. A buy-and-hold investor who rides out all the peaks and valleys. 
  b. A market timer who wants to capture the major bull markets. 
  c. A market timer who wants to avoid the major bear markets.
 

12. My attitude regarding trading activity is:
  a. Active trading is costly and unproductive.
  b. I don't mind frequent trades as long as Iím making money 
  c. Occasional trading is okay but too much activity is not good.
 

13. If the S&P 500 advanced strongly over the last 12 months, my investment should have:
  a. Grown even more than the market.
  b. Approximated the performance of the broad market. 
  c. Focused on reducing the risk of loss in a bear market, even if it meant giving up some upside potential in the bull market.
 

14. Excluding my primary residence, this investment represents ___% of my investment holdings:
  a. Less than 5%
  b. 5% to 10%
  c. 10% to 20%
  d. 20% to 30%
  e. 30% or more
15. I have experience (extensive, some, or none) with the following types of investments:
   Extensive Some None
  a. U.S. stocks or stock mutual funds   a. Extensive.   b. Some.   c. None.
  b. International stock funds     a. Extensive.   b. Some.   c. None.
  c. Bonds or bond funds     a. Extensive.   b. Some.   c. None.
  d. Futures and/or options     a. Extensive.   b. Some.   c. None.
  e. Managed futures or funds     a. Extensive.   b. Some.   c. None.
  f. Real estate      a. Extensive.   b. Some.   c. None.
  g. Private hedge funds     a. Extensive.   b. Some.   c. None.
  h. Privately managed accounts     a. Extensive.   b. Some.   c. None.

        
Investor Quiz Key

Compare your Investor Profile Quiz total score with the ranges in the investor quiz key listed below to see how you investor strategy might be categorized.

 
Under 50 pts Very Conservative. You appear to be very risk averse. Investing in lower risk financial instruments like money market funds or bond funds are typical selections for persons who fall into this category.
 
50 to 80 pts Conservative. Scores in this range suggest that you may be heavily concerned about risk taking verses potential returns. You might be attracted to financial investments such as asset allocation funds, balanced funds, and money market funds.
 
80 to 100 pts Moderate. Scores in this range suggest that you are prepared to take on a little added risk in order to enhance your investment returns. This is probably the most common approach to mutual fund investing. Perhaps  growth funds and funds with some international exposure would appeal to this group.
 
100 to 120 pts Aggressive. Scores in this range appear to be less concerned with the risk and therefore might find some of the more aggressive growth funds and international funds more appealing.
 
Over 120 pts Very Aggressive. Based on your responses, you appear to be leaning heavily toward speculation. Your primary concern is maximizing your investment growth, and you seem prepared to take on as much risk as necessary in order to do so. That being said, very aggressive growth funds and hot sector funds (e.g., technology or communications) will probably appeal to you most. These have historically been highly speculative investments that could provide superior results if you can stomach the volatility and uncertainty.


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