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INVESTMENT STRATEGY WORKSHEET
| Investment Strategy Worksheet Notice: No information is sent when using this form. |
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- In approximately how many years do you plan to retire?
- 4 to 6 years
- 7 to 10 years
- 11 to 16 years
- More than 16 years
- Do you expect to withdraw or borrow one-third or more of this money within 7 years?
- No
- Yes, probably within 3 years
- Yes, probably within 4 to 6 years
- Do you have emergency savings equal to at least three months of after-tax income?
- No
- Yes, but less than six months of after-tax income
- Yes, I have an adequate emergency fund
- What percentage of your total portfolio is set aside for, or will be set aside for, your retirement?
(Your investment portfolio includes all your investments, excluding your primary residence.)- Less than 25%
- Between 25% and 50%
- Between 51% and 75%
- More than 75%
Example: Your family's investment portfolio includes $30,000 saved for retirement and a separate college savings plan of $10,000, for a total portfolio of $40,000. Your retirement savings represent 75% of your total portfolio ($30,000 divided by $40,000)
- Which one of the following statements describes your expected earnings over the next five years?
(Assume inflation will average 4% a year.)- I expect my earnings increases to far outpace inflation (due to promotions, new job, etc.)
- I expect my earnings increases to stay ahead of inflation
- I expect my earnings to keep pace with inflation
- I expect my earnings to decrease (due to retirement, part-time work, economically depressed industry, etc.)
- When thinking about your retirement savings, where would you place yourself on the following scale?
High Risk I want my money to grow as much as possible, regardless of risk or fluctuation. I want to maintain a balanced savings mix with some fluctuation and growth. I want as much assurance as possible that the value of my retirement savings will not go down. Very Safe - Have you ever invested, or would you invest again, in individual bonds or bond mutual funds (aside from U.S. Savings Bonds)?
- No, and I would be uncomfortable with the risk if I did
- No, but I would be comfortable with the risk if I did
- Yes, but I was uncomfortable with the risk
- Yes, and I felt comfortable with the risk
- Have you ever invested, or would you invest again, in individual stocks or stock mutual funds?
- No, and I would be uncomfortable with the risk if I did
- No, but I would be comfortable with the risk if I did
- Yes, but I was uncomfortable with the risk
- Yes, and I felt comfortable with the risk
- How many dependents do you have (including children or parents)?
- None
- One
- Two or three
- More than three
- About what portion of your monthly take-home income goes toward paying off debt
(auto loans, credit cards, etc.) other than a home mortgage?
- Less than 10%
- Between 10% and 25%
- Between 26% and 50%
- More than 50%
- Which one of the following statements describes your feelings about choosing a retirement investment option?
- I would select only investments that have low-risk (i.e., it is unlikely I will lose money)
- I prefer a mix of investments with emphasis on low-risk investments and a small portion with a higher degree of risk but also higher return potential
- I prefer a balanced mix of investments - some that have a low degree of risk, others that have higher risk but also higher return potential
- I prefer an aggressive mix of investments - mostly higher-risk investments with higher return potential, along with some lower-risk investments
- I would only select investments that have a higher degree of risk and greater potential for return
- If you could increase your chances of improving your returns by taking more risk, would you:
- Be willing to take a lot more risk with all your money
- Be willing to take a little more risk with all your money
- Be willing to take a little more risk with some of your money
- Be unwilling to take much more risk
- Does your spouse participate in a retirement savings plan at work?
- Yes
- No (my spouse does not work, does not participate, etc.)
- Not applicable (I am not married)
| About You |
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| Important | ||||
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It is important to note that this suggested asset allocation is only meant to offer an example of the type of investment strategy you might want to consider, based on the average person with similar investment preferences. The final decision on how to invest is yours, based on your individual situation, needs, goals, and risk tolerance, which may include factors or circumstances beyond the scope of the worksheet. The example is based on your current assessment of these factors. If any of these factors change, please review your investment strategy. You should review your strategy at least once a year. You may also wish to use a professional advisor. The financial advisor who has assisted your employer in establishing this retirement savings plan is familiar with your plans specific options and may be helpful in establishing your asset allocation. That advisor, however, is unable to recommend investments in any specific fund offered. The suggested asset allocation should be applied to all of your investable assets. Keep in mind that the kind of strategy indicated by your total score is simply a guideline and not a formula for guaranteed results. The sample portfolios illustrate some of the many combinations that could be created and should not be considered as investment advice. For more complete information about your investment options, ask your Plan Administrator for a prospectus and fact sheet on the funds you are considering. You should always read the prospectus carefully before investing. |
