Phone * Your investment objective What is your primary objective for the money that you are investing? Select... (1) Car purchase or vacation (4) Down payment on a Home. (10) To immediately start providing retirement income (11) Children’s education (16) Saving for retirement (20) Building up an estate Your investment time horizon
During your working years, you will manage your savings and investments. Upon and after your retirement, you will have the choice of continuing to manage your investments, or of purchasing a lifetime pension or annuity product. If you intend to keep managing your savings and investments after your retirement, your investment time horizon should reflect this decision. If you intend to manage your investments with a much shorter end-date in mind, your investment time horizon should reflect this expectation
How long do you intend to manage your savings and investment portfolio? * Select... (1) Under 3 years (4) 3 - 7 years (10) 8 - 12 years (12) 13-17 years (16) 18 - 21 years (20) 22 - 26 years (26) More than 26 years Your Financial Goals What is the major goal for this portfolio? * Select... (1) The security of my portfolio is my only priority (3) While I do want my portfolio to grow, I don’t feel very comfortable with fluctuating returns (6) I want a balance between growth and security in my portfolio with some protection from the impact of inflation (10) I’m primarily concerned with the overall growth of my portfolio and am less concerned about fluctuations and returns (12) My sole objective in my portfolio is maximum growth over the long term During the next 5 years what portion of your portfolio do you expect to be withdrawing? * Select... (1) 100% (4) 75% (10) 50% (16) 25% (22) 0% Your Personal Information Which one of the following ranges includes your current age? * Select... (14) Under 30 (12) 31 to 39 (10) 40 to 49 (8) 50 to 59 (5) 60 to 69 (2) 70 to 79 (0) Over 79 Which of the following ranges includes your current annual family income, including pensions, before taxes? * Select... (2) Under $30,000 (5) $30,000 to $45,000 (8) $45,001 to $60,000 (12) $60,001 to $75,000 (17) $75,001 to $90,000 (20) Over $90,000 After deducting any loan and mortgage balances, which of the following ranges includes your immediate family’s overall net worth? * Select... (2) Under $30,000 (5) $30,000 to $60,000 (8) $60,001 to $100,000 (12) $100,001 to $150,000 (17) $150,001 to $300,000 (20) Over $300,000 How would you rate your immediate family’s overall financial situation? * Select... (1) Unstable – We have next to no savings (3) Not Very Good – We have a fair amount of debt and little savings. (6) Fairly Good – We do have some debts but have been able to save a bit (12) Good – We have paid off most of our debts and are now saving quite regularly (18) Very Good – We have few debts and are quite secure Other than your portfolio at Kellett Financial, which of the following sources of income do you expect to have after you retire? *
Please select all the choices that apply and add up the points:
(4) Rental property or the sale of a home (6) Other savings such as an individual RRSP or pension plan at another institution or a government pension (for example, CPP or OAS) (4) An inheritance (8) Spouse’s saving and/or spouse’s pension plan Total sum of selections above * How would you rate your investment knowledge? * Select... (1) Minimal- I consider my knowledge to be fairly limited (3) Modest- I’ve been investing for a few years (6) Moderate – I’ve been investing for several years within a broad range of different assets (12) Good – I’ve been investing for quite a while and I’ve lived through at least one market downturn (18) Very Good – I am an experienced investor and am comfortable with all the ups and downs in the market Your attitude toward risk After a significant market decline, stock portfolio’s have historically taken an average of four years to recover lost value. Under the same circumstances, bond portfolios recover in an average of two years. Realizing that there will be occasional downturns in the market, how long a recovery period are you prepared to weather? * Select... (1) Less than three months (4) Three to six months (8) Six months to 1 year (14) 1 to 2 years (20) 2 to 3 years (28) 3 years or more Assuming that you are investing for the long term, what is the maximum drop in your portfolios value that you could tolerate in any given year before feeling uncomfortable? * Select... (0) I would be uncomfortable with any decline. (3) A 5% drop is all I could live with (6) A 10% decline is something I could tolerate (12) A 15% drop would be about all I could stand (18) A 20% decline is pretty much my limit (25) A 25% decline is my absolute tolerance level Your offered two ways to collect a bonus: either six months salary in cash or an option to purchase stock that has a 50/50 chance of either doubling in value or becoming worthless over the next year. Which would you take? * Select... (1) I would definitely take the cash (3) I would probably take the cash (12) I would definitely take the stock option (10) I would probably take the stock option (6) I am not sure what I would do You are faced with a choice between greater job security with a small pay raise or a much higher pay raise but less job security. Which would you select? * Select... (1) I would definitely choose greater job security (3) I would probably choose greater job security (12) I would definitely choose the higher pay raise (10) I would probably choose the higher pay raise (6) I am not sure what I would do Most investment decision involve both the possibility of making money and a chance of loosing all or a portion of it. For many investors, the possibility of loosing a set amount is more significant than the possibility of making a corresponding profit. When making an important investment decision, which seems more significant to you? * Select... (1) I would consider the potential loss first (3) I would consider the potential loss somewhat more. (18) I would consider the potential gain first (12) I would consider the potential gain somewhat more (8) There both about the same to me Total Score *
Find the Profile in the chart below that corresponds to your total score.
INVESTOR PROFILE TOTAL SCORE
Guaranteed Less than 70 Points
Conservative 71 to 106 points
Moderate 107 to 142 points
Growth 143 to 182 points
Aggressive Growth 183 to 221 points
Maximum Growth More than 221 points Investor profile
For investors with no tolerance for variability in year-to-year returns. Guaranteed investors are advised to invest in guaranteed interest terms, which are stable investments with predictable income and no fluctuation in value.
For investors with limited tolerance for variability in year-to year returns. Conservative investors seek stability with fairly predictable growth and relatively little fluctuation in value.
For investors willing to accept a trade-off between growth and security, without significant variability in year-to-year returns and only small fluctuations in capital value over time. Moderate investors need a balance approach. With equal emphasis on achieving growth and a steady return.
For patient investors who are willing to tolerate some variability in year-to-year returns and some fluctuations in capital value over time. Growth investors are primarily interested in growth, with capital preservation over the short term as a secondary consideration.
For investors seeking significant potential growth who are willing to tolerate greater fluctuations in capital value over time. Superior long-term results are gained as the Aggressive Growth investor accepts much greater year-to-year variability in returns.
For investors seeking maximum potential growth who are willing to tolerate significant fluctuations in capital value over time. Maximum Growth investors accept a significant emphasis on equities in order to gain the potential for long-term growth, and can tolerate greater year-to-year variability in returns.
Note: This questionnaire has been developed as a tool to assist you in understanding your investment objectives and personality- your personal
financial circumstances, investment time horizon and comfort level with investment risk. After understanding your investor personality, you will be
better able to develop your own asset mix using the investment options available to you. Kellett Financial has taken appropriate steps to ensure that
accuracy of the information provided and calculations contained in this questionnaire. However, the responsibility for determining the most appropriate
investment allocation to fund your retirement goals remains with you. Kellett Financial is not responsible for any damages resulting from the use of this
questionnaire by you or any other person. Please read the Information Folder for more details before making any investment decisions. Signature *
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