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Ellis Financial | Pension Profile Questionnaire

Pension Profile Questionnaire

Pension Profile Questionnaire

The questions in this Pension Profile Questionnaire were designed to help you understand your investment objectives and your investment personality. You may use this service to support your investment making decision. The result is an investment portfolio tailored to your needs.

As you answer the questions, remember that there are no right or wrong answers. However, keep in mind that you must be completely candid, or the results won't reflect your true investment personality.

Your Investment Time Horizon

During your working years, you will manage your savings and investment strategies. At your retirement, when you are ready to draw income from your savings portfolio, you will have the choice of continuing to manage your investments, or purchasing a lifetime pension. If you continue managing your portfolio, your investment horizon should reflect this.

1) Given my investment horizon, I expect to hold my retirement portfolio for:

Under 3 years
3 - 7 years
8 - 12 years
13 - 17 years
18 - 21 years
More than 21 years

Your Financial Goals

2) What is your major goal for this retirement portfolio ?

The security of my retirement portfolio is my only priority.
While I do want my retirement portfolio to grow, I don't feel very comfortable with fluctuating returns.
I want a balance between growth and security in my retirement portfolio with some protection from the impact of inflation.
I'm primarily concerned with the overall growth of my retirement portfolio and am less concerned about fluctuations in returns.
My sole objective in my retirement portfolio is maximum growth over the long-term.

Your Personal Information

3) Which one of the following ranges includes your current age ?

under 30
30 to 39
40 to 49
50 to 59
60 to 69
70 to 79
Over 79

4) Which one of the following ranges includes your annual family income before taxes ?

under €10,000
€10,001 to €20,000
€20,001 to €30,000
€30,001 to €40,000
€40,001 to €50,000
over €50,000

5) After deducting any loan and mortgage balances, which one of the following ranges includes your immediate family's overall net worth ?

under €10,000
€10,001 to €30,000
€30,001 to €50,000
€50,001 to €75,000
€75,001 to €150,000
over €150,000

6) Apart from your house and mortgage, how would you rate you family's overall financial position ?

Poor - We have borrowings and no savings.
Unsatisfactory - We have some debts and little savings.
Satisfactory - We do have some debts but have also been able to save and invest.
Fairly Good - We have paid off most of our debts and are saving regularly.
Good - We have few debts and are quite secure.

7) Other than your pension fund, which of the following sources of income do you expect after your retirement ?
Check all that apply.

rental property or the sale of a home.
an inheritance.
other savings or pension, including a pension plan with another company, and the State Old Age Pension.
spouse's pension and/or savings.

8) How would you rate your investment knowledge?

Minimal - I consider my knowledge to be fairly limited.
Modest - I have been investing for a few years and I sometimes read the business press.
Moderate - I have been investing for several years in a range of different assets.
Good - I have been investing for quite awhile and I have experienced at least one market downturn.
Very good - I am an experienced investor, and I am comfortable with all the ups and downs in the market.

Your Attitude Towards Risk

9) After a significant market decline, share values have historically (over 60 years) taken an average of four years to recover. Under the same circumstances, fixed interest investments recover in an average of two years.

Realising that there will be occasional downturns in the market, how long a recovery period are you prepared to weather ?

less than 3 months
3 to 6 months
6 months to 1 year
1 to 2 years
2 to 3 years
3 years or more

10) Assuming that you are investing for the long term, what is the maximum drop in your portfolio's value that you could tolerate in any given year before feeling uncomfortable?

I'd be uncomfortable with any loss.
A 5% drop is all that I could live with.
I could tolerate a 10% fall.
A 15% drop is all I could stand.
A 20% decline would be my limit.
I could bear a 25% loss.

11) You are offered two ways of collecting a bonus: either six months salary in cash or an equivalent value in shares. The shares have a 50/50 chance of doubling in value or becoming worthless over the next year.

Which would you take ?

I would definitely take the cash.
I would probably take the cash.
I am not sure what I would do.
I would probably take the shares.
I would definitely take the shares.

12) You are faced with a choice between greater job security with a small pay rise or a much higher pay rise but less job security.

Which would you choose ?

I would definitely choose greater job security.
I would probably choose greater job security.
I am not sure what I would do.
I would probably choose the higher pay raise.
I would definitely choose the higher pay raise.

13) Most investment decisions involve both the possibility of making money and a chance of losing all or a portion of it. For many investors, the possibility of losing a set amount is more significant than the possibility of making a corresponding profit.

When making an significant investment decision, which is more important to you ?

I would consider the potential loss first.
I would consider the potential loss somewhat more.
The potential profit and loss would be about the same for me.
I would consider the potential gain somewhat more.
I would consider the potential gain first.

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