Risk Tolerance

DEALER INVESTOR QUESTIONNAIRE

Your answers to these questions will help us assist you in developing an appropriate portfolio, which takes into consideration your personal preferences, financial goals, personal background, and your personal tolerance for investment risk.

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Instructions

There are 20 questions designed to measure your tolerance to financial risk. Answer all of the questions before calculating your risk tolerance.

Your Present Situation
1. Please indicate your current age range:*
Under 30 30 to 39 40 to 49 50 to 59 60 to 69 70 and over
2. Describe your current employment situation (choose one):*
Full-time Part-time Retired Homemaker Unemployed Student
3. How certain are you that your various income sources will continue into the future?*
Very certain Quite certain Slightly uncertain Extremely uncertain
4. Please indicate the approximate number of years until you retire:*
Retired 1-2 years 3-5 years 6-9 years 10-20 years More than 20 years
5. How many dependents do you have? (Only include members with no annual income.)*
None One Two Three Four or more
6. Please indicate your approximate family gross annual income.*
Under $30,000 $31,000 to $60,000 $61,000 to $100,000 $101,000 to $150,000 $151,000 to $250,000 Over $250,000
7. Please indicate your approximate gross family net worth.*
Under $100,000 $101,000 to $250,000 $251,000 to $400,000 $401,000 to $650,000 $651,000 to $1,000,000 Over $1,000,000
8. To better understand how you invest your money now, please provide the approximate percentage of your investments, which are invested in equities. There are many different types of investments, however most fundamentally fall into one of two major categories:
- Equities, such as common stocks, equity mutual funds, preferred shares, options and real estate
- Fixed Income, such as Term Deposits, Bonds, Mortgages, T-bills and Money Market
Excluding your personal residence and business assets (if applicable), what percentage of your current assets are invested in equity-type assets?*
Under 25% 25-50% 51-75% Over 75% Don't know
9. Which statement best describes your investment knowledge?*
- I have limited knowledge and rely exclusively on my financial advisor
- I understand basic investment principles but I don't actively follow the financial markets
- I have general understanding of financial markets and follow their progress occasionally
- I have a good working knowledge of financial markets and follow the markets actively
- I have considerable knowledge, manage my own portfolio, and follow the financial markets daily
Your Investment Timeline
10. Over what period of time are you investing in this plan?*
Less than 5 years 5-10 years 11-19 years 20 years or more
11. What is your main objective for this investment?*
- Large purchase within 5 years
- Vacation or new car purchase within 5 years
- Down payment for a home purchase within 5 years
- Savings for future retirement
- Generating retirement income now
- Savings for child's future education
- To leave an estate for my family
- Charitable giving arrangement
12. When you require this money, how will you likely withdraw it?*
- Withdraw proceeds in a lump-sum or over a period of time less than 3 years in duration
- Over a period of time less than 5 years
- Over period a period of time between 10 to 15 years
- Over a period of more than 15 years
13. What percentage of this money might you spend in the next 5 years?*
Under 25% 25% to 40% 41% to 70% Over 70%
Your Comfort Levels
14. Which statement best describes your view on investing money?*
- I am prepared to forfeit the opportunity to earn high long-term returns to avoid probable fluctuations in the market value of my investments
- I can tolerate moderate fluctuations in the market value of my investments to gain from potentially higher long-term returns
- I can tolerate significant fluctuations in the market value of my investments in order to achieve higher long-term growth
15. How do you feel about the risk of inflation eroding the purchasing power of your investments?*
- I am very concerned about inflationary risk
- I am not concerned about inflation over the near term, but over the long term I am concerned
- I know prices are rising, but I am not overly concerned about prices changing into the future
- These days, inflation is low enough not to be a serious concern
16. Some investors are more willing than others to accept periodic declines in their portfolio values as a trade-off for potentially higher long-term returns. Which response best represents your feelings toward the following statement? "I am willing to experience potentially large and frequent declines in the value of my investment if it will increase the likelihood of achieving high long-term returns."*
1- Strongly agree 2 3 4 5 - Strongly disagree
17. Investments which can significantly change in value over the short-term do not bother me.*
1 - Strongly agree 2 3 4 5 - Strongly disagree

18. Before knowing how markets will perform over a five-year period, which portfolio would you be most likely to purchase?*

Portfolio Performance
Five-Year Average

Portfolio	Anticipated Return 90% Chance	Possible Loss 10% Chance
A	5%	0%
B	6%	-1%
C	7%	-2%
D	8%	-3%
E	9%	-6%

*
Portfolio A Portfolio B Portfolio C Portfolio D Portfolio E
19. The following graph illustrates four hypothetical portfolios and their range of returns over a one-year period.
Which portfolio would you be most comfortable investing in?*
Portfolio A Portfolio B Portfolio C Portfolio D
20. If your portfolio dropped by 11% after investing for six months, how might you react?*
- Immediately sell all my investments and transfer money to another financial management company
- Redefine investment strategy, sell all investments and restructure to a more conservative portfolio
- Wait until market recovers, sell some of my investments, and establish lower risk investment strategy
- Hold current portfolio allocation and remain focused on my long-term investment goals
- Hold current portfolio and possibly take action to buy more at lower price to lower my average cost

Risk Tolerance

DEALER INVESTOR QUESTIONNAIRE

Instructions

Your Present Situation

Your Investment Timeline

Your Comfort Levels

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