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Take our Risk Tolerance Questionnaire

1. Compared to others, how do you rate your willingness to take financial risks?
  Extremely low risk taker
  Very low risk taker
  Low risk taker
  Average risk taker
  High risk taker
  Very high risk taker
  Extremely high risk taker
 
2. How easily do you adapt when things go wrong financially?
  Very uneasily
  Somewhat uneasily
  Somewhat easily
  Very easily
 
3. When you think of the word 'risk' in a financial context, which of the following words comes to mind first?
  Danger
  Uncertainty
  Opportunity
  Thrill
 
4. Have you ever invested a large sum in a risky investment mainly for the "thrill" of seeing whether it went up or down in value?
  No
  Yes, very rarely
  Yes, somewhat rarely
  Yes, somewhat frequently
  Yes, very frequently
 
5. If you had to choose between more job security with a small pay increase and less job security with a big pay increase, which would you pick?
  Definitely more job security with a small pay increase
  Probably more job security with a small pay increase
  Not sure
  Probably less job security with a big pay increase
  Definitely less job security with a big pay increase
 
6. When faced with a major financial decision, are you more concerned about the possible losses or the possible gains?
  Always the possible losses
  Usually the possible losses
  Usually the possible gains
  Always the possible gains
 
7. How do you usually feel about your major financial decisions after you make them?
  Very pessimistic
  Somewhat pessimistic
  Somewhat optimistic
  Very optimistic
 
8. Imagine you were in a job where you could choose whether to be paid salary, commission or a mix of both. Which would you pick?
  All salary
  Mainly salary
  Equal mix of salary and commission
  Mainly commission
  All commission
 
9. What degree of risk have you taken with your financial decisions in the past?
  Very small
  Small
  Medium
  Large
  Very large
 
10. What degree of risk are you currently prepared to take with your financial decisions?
  Very small
  Small
  Medium
  Large
  Very large
 
11. Have you ever borrowed money to make an investment (other than for your home)?
  No
  Yes
 
12. How much confidence do you have in your ability to make good financial decisions?
  None
  A little
  A reasonable amount
  A great deal
  Complete
 
13. Suppose that 5 years ago you bought shares in a highly regarded company. That same year the company experienced a severe decline in sales due to poor management. The price of the shares dropped drastically and you sold at a substantial loss.

The company has been restructured under new management, and most experts now expect its shares to produce better than average returns. Given your bad past experience with this company, would you buy shares now?
  Definitely not
  Probably not
  Not sure
  Probably
  Definitely
 
14. Investments can go up or down in value, and experts often say you should be prepared to weather a downturn. By how much could the total value of all your investments go down before you would begin to feel uncomfortable?
  Any fall would make me feel uncomfortable
  10%
  20%
  33%
  50%
  More than 50%
 
15. Assume that a long-lost relative dies and leaves you a house which is in a poor condition but is located in a suburb that's becoming popular.

As is, the house would probably sell for $300,000, but if you were to spend about $100,000 on renovations, the selling price would be around $600,000. However, there is some talk of constructing a major highway next to the house, and this would lower its value considerably.

Which of the following options would you take?
  Sell it as is
  Keep it as is, but rent it out
  Take out a $100,000 mortgage and do the renovations
 
16. Most investment portfolios have a mix of investments - some of the investments may have high expected returns but with high risk, some may have medium expected returns and medium risk, and some may be low-risk/low-return. For example, stocks and real estate would be high-risk/high-return whereas cash and CDs (certificates of deposit) would be low-risk/low-return.

Which mix of investments do you find most appealing? Would you prefer all low-risk/low-return, all high-risk/high return, or somewhere in between?
 
   
Spread of Investments in Portfolio
   
High Risk/Return
Medium Risk/Return
Low Risk/Return
Portfolio 1
0%
0%
100%
Portfolio 2
0%
30%
70%
Portfolio 3
10%
40%
50%
Portfolio 4
30%
40%
30%
Portfolio 5
50%
40%
10%
Portfolio 6
70%
30%
0%
Portfolio 7
100%
0%
0%
 
17. You are considering placing one-quarter of your investment funds into a single investment. This investment is expected to earn about twice the CD (certificates of deposit) rate. However, unlike a CD, this investment is not protected against loss of the money invested.

How low would the chance of a loss have to be for you to make the investment?
  Zero, i.e. no chance of any loss
  Very low chance of loss
  Moderately low chance of loss
  50% chance of loss
 
18. With some types of investment, such as cash and CDs (certificates of deposit), the value of the investment is fixed. However inflation will cause the purchasing power of this money value to decrease.

With other types of investment, such as stocks and real estate, the value is not fixed. It will vary. In the short term it may even fall below the purchase price. However over the long term, the value of the stocks and real estate should certainly increase by more than the rate of inflation.

With this in mind, which is more important to you - that the value of your investments does not fall or that it retains its purchasing power?
  Much more important that the value does not fall
  Somewhat more important that the value does not fall
  Somewhat more important that the value retains its purchasing power
  Much more important that the value retains its purchasing power
 
19. In recent years, how have your personal investments changed?
  Always toward lower risk
  Mostly toward lower risk
  No changes or changes with no clear direction
  Mostly toward higher risk
  Always toward higher risk
 
20. When making an investment, return and risk usually go hand-in-hand. Investments which produce above-average returns are usually of above-average risk. With this in mind, how much of the funds you have available to invest would you be willing to place in investments where both returns and risks are expected to be above average?
  None
  10%
  20%
  30%
  40%
  50%
  60%
  70%
  80%
  90%
  100%
 
21. Think of the average rate of return you would expect to earn on an investment portfolio over the next ten years. How does this compare with what you think you would earn if you invested the money in one-year CDs (certificates of deposit)?
  About the same rate as from CDs
  About one and a half times the rate from CDs
  About twice the rate from CDs
  About two and a half times the rate from CDs
  About three times the rate from CDs
  More than three times the rate from CDs
 
22. People often arrange their financial affairs to qualify for a government benefit or obtain a tax advantage. However a change in legislation can leave them worse off than if they'd done nothing.

With this in mind, would you take a risk in arranging your affairs to qualify for a government benefit or obtain a tax advantage?
  I would not take a risk if there was any chance I could finish up worse off
  I would take a risk if there was only a small chance I could finish up worse off
  I would take a risk as long as there was more than a 50% chance that I would finish up better off
 
23. Imagine that you are borrowing a large sum of money at some time in the future. It's not clear which way interest rates are going to move - they might go up, they might go down, no one seems to know.

You could take a variable interest rate that will rise and fall as the market rate changes. Or you could take a fixed interest rate which is 1% more than the current variable rate but which won't change as the market rate changes. Or you could take a mix of both.

How would you prefer your loan to be made up?
  100% variable
  75% variable, 25% fixed
  50% variable, 50% fixed
  25% variable, 75% fixed
  100% fixed
 
24. Insurance can cover a wide variety of life's major risks - theft, fire, accident, illness, death etc. How much coverage do you have?
  Very little
  Some
  Considerable
  Complete
 
25. This questionnaire is scored on a scale of 0 to 100. When the scores are graphed they follow the familiar bell-curve of the Normal distribution shown below. The average score is 50. Two-thirds of all scores are within 10 points of the average. Only 1 in 1000 is less than 20 or more than 80.
  What do you think your score will be? (Click in the box and then type in your score.)
 

You may wish to review your answers before they are recorded in the system. Once recorded they cannot be changed. This is done to ensure the integrity of the data. If, later, you wish to change one or more answers, you can only do so by re-doing the whole questionnaire.

You can review your answers by scrolling through the questionnaire. Now is the best time to correct any mistakes or omissions.
Enter your email address:
 

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