Your investor profile

Making investment choices that are right for you will be easier if you know how much risk you are willing to take. Answer the following questions according to how you feel to determine whether you are aggressive, moderate or conservative in your approach to investing.

If you plan to retire soon or withdraw a significant portion of your savings before retirement, you need to give special consideration to your asset allocation and your risk tolerance. Don't hesitate to consult your financial advisor or Standard Life if you feel you need more guidance.

For demo purposes, the results shown reflect sample data.

  • Question 1
     

     

  • Question 2
     

     

  • Question 3
     

     

  • Question 4
     

     

  • Question 5
     

     

  • Question 6
     

     

  • Question 7
     

     

  • Your Investor Profile
     

     


1. When it comes to investments:

   I am not very familiar with retirement planning concepts.

   I am familiar with some basic concepts, and am learning to apply them.

   I understand the different investment risks, so I manage my portfolio accordingly.

   I follow financial news and am very comfortable making my own investment decisions.

2. If I had $50,000 to invest in either a high-risk fund (e.g. potential returns ranging from -25% to 20%) and/or a low-risk fund (e.g. potential stable returns of 3% to 4%), I would invest this much in the high-risk fund:

   Less than $5000

   Between $5000 and $21,999

   Between $22,000 and $49,000

   Over $49,000

3. If the value of my investments dropped from $50,000 to $38,000 over six months:

   I would move all remaining assets to a guaranteed fund.

   I would move half my assets to a guaranteed fund.

   I would move nothing and hold my investments as is.

   I would move nothing and make additional contributions.

4. Considering the annual returns of the different portfolios below, I would prefer:


   Portfolio A

   Portfolio B

   Portfolio C

   Portfolio D


5. When it comes to my investment risk tolerance:

   I don't want to take any risk and want to protect my investments from market fluctuations.

   I can tolerate slight short-term drops in my investments knowing I will see positive returns in the long run.

   I am okay with moderate short-term drops in my investments knowing their value will recover in the future.

   I can risk greater short-term drops in my investments to get maximum growth in the long run.

6. I invested $10,000 over five years. Based on the gains and losses of four different portfolios over this time, I would have been most comfortable with:


7. I am ten years from retirement and realize I need to adjust my strategy to retire when I want. Amongst the following, my preferred approach would be:

   Delay my retirement by a few years to give my current investments more time to grow, without increasing my level of risk.

   Significantly increase the amount I contribute to the plan, but keep my level of risk the same.

   Slightly increase my contributions and my level of risk.

   Significantly increase my level of risk, hoping to improve long-term returns, and keep my contributions the same.

You are a moderate investor


You essentially want balance. You are more growth-oriented and will accept some risk to get better returns in the long run.

Now that you've determined your comfort level with risk, you should ensure that your investments are in line with your investor profile and the time you have until you retire. If you disagree with your investor profile, take a minute to review the questionnaire. You may wish to reconsider some of your answers.


You are a moderate investor


Your investor profile has been saved.




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