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Risk Calculator _Excel_ - FIAI

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Risk Calculator _Excel_ - FIAI Powered By Docstoc
					Client Name:___________________________________

                                              SECTION 1. INVESTMENT OBJECTIVE

1. Level of Expected return. Your desired level of investment return.
                   d
                   e
                   f
                   g
                   c        Low Return Expectation
                   e
                   f
                   g
                   c
                   d        Average Return Expectation
                   d
                   e
                   f
                   g
                   c        Above Average Return Expectation

                   e
                   f
                   g
                   c
                   d        High Return Expectation
                            *There is no guarantee these returns can be achieved
                            *The answer spread between questions one (1) and two (2) cannot exceed more than one spacing.

2. Risk Tolerance. The level of investment risk (volatility) you are willing to bear.
                            *Reflection below as a % is the amount of stock in a portfolio.

                   e
                   f
                   g
                   c
                   d        Low Risk Tolerance (Below 40%)
                   d
                   e
                   f
                   g
                   c        Average Risk Tolerance (40-70%)
                   e
                   f
                   g
                   c
                   d        Above-Average Tolerance (60-90%)
                   d
                   e
                   f
                   g
                   c        High Risk Tolerance (80-100% Stocks.)

3. Holding Period. The amount of time that you are willing to maintain an investment position.
                   d
                   e
                   f
                   g
                   c        1 Year or Less – Need all funds within one year
                   e
                   f
                   g
                   c
                   d        2 to 5 Years – May need a portion of investment funds within 2 to 5 years
                   e
                   f
                   g
                   c
                   d        5 to 10 Years – May need a portion of funds within 5 to 10 years
                   d
                   e
                   f
                   g
                   c        10 or More Years – Funds not needed for 10 years or longer

4. Liquidity. The desired level of liquidity for your investments. How readily do you want to be able
to convert your investment into cash without realizing a large change in value?
                   d
                   e
                   f
                   g
                   c        Illiquid
                   e
                   f
                   g
                   c
                   d        Somewhat liquid

                   d
                   e
                   f
                   g
                   c        More liquid

                   e
                   f
                   g
                   c
                   d        Highly liquid

5. Investment Objective
                   e
                   f
                   g
                   c
                   d        Long Term Growth
                   d
                   e
                   f
                   g
                   c        Growth & Income
                   e
                   f
                   g
                   c
                   d        Income and Growth

                   d
                   e
                   f
                   g
                   c        Income

6. When do you expect to retire?
                    e
                    f
                    g
                    c
                    d       1 Year or Less
                    e
                    f
                    g
                    c
                    d       2 to 5 Years

                    d
                    e
                    f
                    g
                    c       5 to 10 Years

                    e
                    f
                    g
                    c
                    d       10 or More Years
7. Are there any special considerations or concerns we should be aware of: i.e., major expenditures - or special
family situations.



                                            SECTION 2. FINANCIAL NEEDS
1. Age
                    d
                    e
                    f
                    g
                    c       Age 20 thru age 39
                    d
                    e
                    f
                    g
                    c       Age 40 thru age 49
                    e
                    f
                    g
                    c
                    d       Age 50 thru age 59

                    e
                    f
                    g
                    c
                    d       Age 60 and Over

2. Marital Status
                    d
                    e
                    f
                    g
                    c       Single
                    e
                    f
                    g
                    c
                    d       Married

3. Total Dependants (including yourself)
                    d
                    e
                    f
                    g
                    c       One
                    e
                    f
                    g
                    c
                    d       Two
                    d
                    e
                    f
                    g
                    c       Three or Four
                    e
                    f
                    g
                    c
                    d       Five or More

4. Occupation
                    e
                    f
                    g
                    c
                    d       Executive, Management, Professional
                    d
                    e
                    f
                    g
                    c       Technical, Sales, Administrative

                    e
                    f
                    g
                    c
                    d       Production, Transportation, Repair

                    d
                    e
                    f
                    g
                    c       Service Occupations
                    f
                    g
                    d
                    c
                    e       Retired (circle above occupation before retirement)

5. Major Source of Income
                    d
                    e
                    f
                    g
                    c       Pension and Investment Income
                    f
                    g
                    d
                    c
                    e       Hourly Wages
                    d
                    e
                    f
                    g
                    c       Salaried
                    e
                    f
                    g
                    c
                    d       Salaried and Bonus

6. Gross Annual Income
                    d
                    e
                    f
                    g
                    c       $50,000 or Less
                    e
                    f
                    g
                    c
                    d       $50,000 to $100,000

                    e
                    f
                    g
                    c
                    d       $100,000 to $200,000

                    d
                    e
                    f
                    g
                    c       $200,000 or More

7. Net Worth (exluding residence)
                    e
                    f
                    g
                    c
                    d       $50,000 or Less
                    d
                    e
                    f
                    g
                    c       $50,000 to $100,000
                    e
                    f
                    g
                    c
                    d       $100,000 to $250,000
                    d
                    e
                    f
                    g
                    c       $250,000 or More

8. Level of Insurance
                    e
                    f
                    g
                    c
                    d
                 e
                 f
                 g
                 c
                 d         None
                 d
                 e
                 f
                 g
                 c         Low
                 d
                 e
                 f
                 g
                 c         Moderate
                 e
                 f
                 g
                 c
                 d         High

9. Health
                 d
                 e
                 f
                 g
                 c         Poor Health
                  e
                  f
                  g
                  c
                  d        Past Health Problems
                  e
                  f
                  g
                  c
                  d        Minor Present Health Problems
                  d
                  e
                  f
                  g
                  c        Good Health

                                         SECTION 3. SOPHISTICATION LEVEL

1. Investment Experience
                 d
                 e
                 f
                 g
                 c         Bank Investment Only (passbook savings, CD's, etc.)
                 d
                 e
                 f
                 g
                 c         Some Prior Experience With Investments (mutual funds, 401(k), 403(b), etc.)
                 e
                 f
                 g
                 c
                 d         Much Prior Experience With Investments (Above + stocks, bonds.)
2. Debt Level & Prior Credit History
                 d
                 e
                 f
                 g
                 c         High Debt Level and Poor Credit History
                 f
                 g
                 d
                 c
                 e         Moderate Debt Level and Fair Credit History
                  e
                  f
                  g
                  c
                  d        Moderate Debt Level and Good Credit History
                 d
                 e
                 f
                 g
                 c         Low Debt Level and Good Credit History
3. Educational Level
                 d
                 e
                 f
                 g
                 c         High School
                 f
                 g
                 d
                 c
                 e         Junior Vocational College Degree (B.A., B.S., etc.)
                 d
                 e
                 f
                 g
                 c         Undergraduate College Degree (B.A., B.S., etc.)
                 d
                 e
                 f
                 g
                 c         Graduate College Degree (M.A., M.S., M.B.A.J.D., Ph.D., etc.)

Client Signature_________________________ Date:____________

Representative Name:_____________________________




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