4/5/2016

Investmentquestionnaire

Financialeducation/Tools&calculators

Investmentquestionnaire
Yourinvestmentprofileis:BalancedIncome&Growth
Manyexpertsbelievethatlongterminvestmentsuccessismoreafunctionofhowassetsareallocatedamongasset
classesratherthantheindividualsecuritiesinwhichtheyareinvested.Thisassetallocationtoolwillhelpyouto
identifyapotentialmixofcash,bonds,andstocksthatcorrespondstoyourpersonaldemographicsandyour
investmentexperience.Thesesamplemixesareonlyexamplesandarenotspecificrecommendations.Ifyouwanta
moredetailedviewofanallocationthatrelatestoyourindividualneedsandpreferences,yourVALICfinancialadvisor
hasonlineaccesstosophisticatedfinancialplanningsoftwareandwouldbehappytoprovideyouwithamorehighly
individualizedanalysis.

Your investment profile is: Balanced Income & Growth

1. What category would you say best describes your investment goals?
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Growth:

Conservative Growth:

Income and Growth:

Income and Inflation

Protection:

Security:

I want to get the highest possible rate of return on my portfolio over the
long term, and realize that the total value of my investments on
occasion may decline significantly.
My first goal is the long-term growth of my investments, but I'm willing
to accept a lower return to have less risk of a major decline in the value
of my investments.
I want my investments to produce a fairly steady stream of income and
to grow without major declines in value.
My most important goal is to receive steady, consistent income from my
investments, but I'd also like my money to keep ahead of inflation over
the long term.
I am willing to accept lower returns to minimize the risk of losing any
money.

2. Which of the following would you say best reflects your current knowledge of
investments?

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Very High:

High:

Moderate:

Low:

Very Low:

I have a thorough knowledge of the three major asset classes, and I am

very experienced in investing.
I understand the different categories of investments, the different levels
of risk and return associated with each type, and am experienced in
investing.
I'm familiar with basic types of investments.

I know something about investments, but do not have an in-depth

knowledge.

I'm starting to learn something about investing.

3. How soon do you expect to need the money you are investing?
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11 years and over:

5 to 10 years:

3 to 4 years:

1 to 2 years:

Less than 1 year:

4. How would you describe your comfort level should the value of your investments
decline over short-term periods (i.e., up to three years)?
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Very High:

High:

Moderate:

Low:

Very Low:

I could tolerate a significant decline in the short-term value of my

investments, in anticipation of a positive long-term return.
A large decline in the short-term value of my investments would not be
upsetting, in anticipation of a positive long-term return.
A modest decline in the short-term value of my investments would not
be upsetting, in anticipation of a positive long-term return.
Any drop in the value of my investments would make me
uncomfortable, but I could tolerate a minor decline from time to time.

My primary concern is the security of my investment.

5. How would you describe your current lifestyle and investment habits?
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Significant:

Moderate:

Primarily Debt Payment:

Little Savings:

Starting Out:

Have accumulated significant investment assets (excluding my home).

Have saved a moderate amount and am continuing to save.

Have increased my income, but am primarily paying down debt.

Have saved a little bit, but need to borrow frequently.

Just starting out.

6. How would you describe your gross annual income (combined for dual income
family)?
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Very High:

High:

Above Average:

Average:

Low:

7. My source of income is:

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Very Secure:

Secure:

Somewhat Uncertain:

Uncertain:

Very Uncertain:

Definitions
Investment questions

Portfolio Allocation by Asset Class

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Answer the investment questions as accurately as possible. Each answer has an assigned point
value. The total points generated from all answers is used to determine the type of investment
profile with the best match. Please note that this should be used only as a starting point for your
investment strategy and allocation.
Asset classes
This calculator uses three basic asset classes to allocate a portfolio. They are "Cash Equivalent,"
"Fixed Income" and "Equities." The Cash Equivalent would be assets similar to cash in regards to risk
and liquidity. This would include actual cash, FDIC insured CDs, mutual fund money market
accounts and other similar investments. Fixed Income would involve assets that are primarily
designed to produce long-term income but little to no growth. This asset class is limited to bonds,
bond funds and other similar low volatility income producing assets. Equities refers to stocks and
stock funds that may produce income but are largely invested for their growth prospects. This asset
class usually includes both dividend paying and non-dividend paying stocks, even if the dividends
produce a significant amount of income.
Investor Profile
The suggested investor profile provides a guide to your allocation between "Cash Equivalent,"
"Fixed Income" and "Equities" investment classes.
Important information about this allocation
This investor profile questionnaire is designed to assist you in identifying the type of investor you
are and is not intended to take the place of professional advice. The suggested asset allocations
contained herein depend on subjective factors such as your risk tolerance and financial situation.
For this reason, you should view them only as general guidelines as to how you might consider
investing your retirement savings. On a regular basis, consider discussing your financial future with
a qualified professional advisor. The investment returns represented in the questionnaire are based
on historic returns and are not intended to indicate future performance. It is important to review
historic returns of short-term investments, bonds, and stocks carefully over various holding periods
to see if you can accept the level of risk in a given investment mix.

Interactivecalculatorsaremadeavailableasselfhelptoolsforindependentuseandarenotintendedtoprovide
investmentortaxadvice,eitherexpressedorimplied.VALICcannotanddoesnotguaranteetheirapplicability
oraccuracyinregardstoindividualcircumstances.Allexamplesareforillustrativepurposesonly.Questions
regardingtheinformationandinteractivecalculatorsshouldbediscussedwithafinancial,taxand/orlegal
advisor.Seekpersonalizedadvicefromqualifiedprofessionalsregardingallpersonalfinanceissues.

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