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Risk Tolerance Questionnaire
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First Name
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Last Name
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1. When do you expect to begin withdrawing from this portfolio?
Less than 1 year
1 to 2 years
3 to 4 years
5 to 7 years
8 to 10 years
11 years or more
2. Once you begin withdrawing money from your investment, over how long of a period do you anticipate the withdrawals to continue?
I plan to take a lump sum distribution
1 to 2 years
3 to 4 years
5 to 8 years
9 to 10 years
11 years or more
3. Inflation can greatly erode the return on your investments, especially over time. For example, in a typical year with a 3.5% inflation rate, a 6% return before inflation would have a real return of only 2.5% (6% - 3.5% = 2.5%). Which of the following portfolios is most consistent with your attitudes regarding investing and inflation?
Portfolio 1 will most likely exceed long-term inflation by a significant margin and has a high degree of volatility.
Portfolio 2 will most likely exceed long-term inflation by a moderate margin and has a moderate to high degree of volatility.
Portfolio 3 will most likely exceed long-term inflation by a small margin and has a small to moderate degree of volatility.
Portfolio 4 will most likely match inflation and has a low degree of risk volatility.
4. Portfolios with the highest average returns also tend to have the highest chance of short-term losses. The table below provides the average dollar return of five hypothetical investments of $100,000 and the possibility of lower value (ending value of less than $100,000) or higher value (ending value of more than $100,000) over a one-year holding period. Please select the portfolio with which you are most comfortable investing.
Portfolio A
Portfolio B
Portfolio C
Portfolio D
Portfolio E
5. Investing involves a trade-off between risk and return. Historically, investments with higher returns have been associated with greater risk and chance for loss. Alternatively, cautious investments that have had a lower chance for loss, also have yielded lower returns. Considering the above, which of the following statements best describes your attitude to risk?
I am most concerned with risk. I am willing to accept the lower returns in order to limit my chance of loss.
I am willing to bear some risk and chance for loss in an effort to achieve slightly higher returns, but prefer a significant portion of my portfolio to be invested in cautious assets.
I am willing to accept moderate risk and chance of loss in order to achieve higher returns. Limiting risk and maximizing returns are of equal importance to me.
I wish to achieve high returns on my investments. I am willing to accept high risk and chance of loss.
I am primarily concerned with maximizing the returns of my investments. I am willing to accept large and sometimes dramatic short-term fluctuations in the value of this portfolio.
6. Sometimes investment losses are permanent, sometimes they are prolonged, and sometimes they are short-term, followed by market recoveries. How might you respond when you experience investment losses?
Even if my investments suffered a significant decline over several years, I would continue to follow my long-term investment strategy and not adjust my portfolio.
I can endure significant declines in the value of my investments and would wait at least one year before adjusting my portfolio.
Although declines in investment value make me uncomfortable, I would wait one to two quarters before adjusting my portfolio.
I would sell my investments immediately or change to a more conservative portfolio if they suffered substantial declines.
7. The following answer options are descriptions of 5 sample portfolios and their potential portfolio gain and loss outcomes over a short time horizon (i.e. 1 year). Note: Investments carrying a higher risk come with the potential of achieving more gains, but also a higher possibility of incurring considerable losses. Which of the sample portfolios would be most attractive to you?
Portfolio A
Portfolio B
Portfolio C
Portfolio D
Portfolio E
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