Risk Assessment Questionnaire

The Risk Assessment Questionnaire, herein, offers a point-in-time assessment of risk tolerances of individual investors. All investors should be mindful of the level of risk that best suits their own particular circumstances. The implied risk tolerances (resulting from the completion of the Risk Questionnaire) are not intended to be anything more than a useful general guide to investment choices that might or might not be suitable for investors as part of an overall broad-based approach to investment opportunities. The general results offered by this assessment are not intended to constitute investment advice or recommendations regarding investment or retirement planning. The risk assessment is not specifically designed to capture your attitude to counterparty default and this factor should be considered in your assessment of different investment opportunities.

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    A. How do you think your best friend would describe you?

    B. How would you describe your understanding of investments and pensions?

    C. Which of these statements most accurately represents your view?

    D. “I believe that the best long-term returns come from more aggressive strategies and am willing to tolerate pronounced and sometimes prolonged falls in value along the way.”

    E. Have you ever made an investment of a size which mattered to you and which showed a significant loss in value, even on a temporary basis? If so, did it?

    F. A stockmarket crash wipes 20% off your investment in a month. Would you be most likely to?

    G. Have you ever? (tick all the options which apply)

    H. You start a new job in which there is a pension scheme which you must join; the booklet outlines a range of fund choices. Would you be?

    (*) the ‘Default’ option is the one made available by the Trustees for members who prefer not to select for themselves.

    I. You have just finished saving for a once-in-a lifetime holiday. Six weeks before you are due to go you lose your job. Would you?

    J. You have a good friend who has developed a new software application which she is trying to commercialise. She estimates that there is a 15% chance of succeeding in which case investors will be paid out at least 20 times what they put in. If unsuccessful, investments will be worthless. Would you be willing to invest?

    K. You are a contestant on a TV quiz show and have just answered the €50,000 question. The next question can win you €100,000 but you are unsure of the answer - you are certain that it is not A or B but don't know as between C and D. What would you do?

    L. You are due to go on an early morning international flight and the recommended check-in time is 90 minutes before flying. Which of these scenarios best describes you?

    M. You are renewing your household insurance, and face a choice of lower premium/higher excess(*) as shown. Which do you choose?

    N. The chart below shows the minimum and maximum returns that may be achieved by four different portfolios over a one-year period. Which portfolio would you choose?


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