1. As an investor, where would you place yourself on the following risk scale?
I want to minimize risk and avoid investment value fluctuation. I am willing to tolerate some risk and investment value fluctuation. I am willing to tolerate more risk and investment value fluctuation for a greater return.

2. What is your age?
Under 25 25 to 34 35 to 44 45 to 54 55 to 65 over 65

3. How many years remaining until you retire?
More than 30 years 20 to 30 years 11 to 19 years 6 to 10 years 0 to 5 years

4. Is your spouse currently enrolled in a Retirement Plan
(e.g. 401(k) or 403(b) Plans)?
Yes No Presently, not married

5. Do you expect to have additional cash needs for your future security
other than retirement? (Such as buying a home, paying for
college education, having a health related expense).
Early withdrawal may be subject to a 10% penalty if you are less
than 59 1/2 years old.
No Yes, in 16 to 20 years Yes, in 10 to 15 years Yes, in 5 to 9 years Yes, in less than 5 years

6. Does this statement reflect you:  "I am willing to tolerate short term
fluctuations in the value of my investments in order to gain a
potentially higher return over a long period of time."
Strongly Agree Agree Neutral Disagree Strongly Disagree

7. Which statement best reflects your investment objective and time-frame
for achieving it?
Investing for long-term security for 20 years or longer Investing for a time frame of 10 to 19 years Investing for a time frame of 5 to 10 years Investing for a time frame of 2 to 5 years To preserve the capital and provide income in the immediate future.

8. How much do you expect your annual income to change
over the next 10 years?
Increase substantially Increase somewhat Just keep up with inflation Decrease Decrease substantially

9. As an investor, how would you react to rises and falls in the market?
Short-term movements in the investment market would not affect me Would affect me minimally Would not affect me, but would affect someone in my family Would directly affect me Would dramatically affect me

10. What would you do with the stock and bond portion of
your retirement investment if the market fell?
Not move that portion of the money out regardless of how severe the decline was Consider moving that portion of the money out only if the decline was substantial Probably move that portion of the money out if the decline was substantial Move that portion of the money even if the decline was not substanial Move that portion of the money out no matter how small the decline

11. Does this statement reflect you: "I invest primarily to increase the value
of my retirement savings"?
Strongly Agree Agree Neutral Disagree Strongly Disagree

Your Investment Risk Factor !