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Planning Tools

Investing for Your Future - Choosing a Path

Portfolio Selection Worksheet

This Portfolio Selection Worksheet will help you determine what type of investor you are. Answer the following 10 questions and click the "View Results" button. Then convert your score into one of five investment strategies listed under the results.

How many more years do you plan to work before you start using your 401(k) savings?

30 to 40 years
20 to 30 years
10 to 20 years
5 to 10 years
Less than 5 years

How long do you expect to draw upon your 401(k) savings?

25 to 30 years
20 to 25 years
15 to 20 years
10 to 15 years
Less than 10 years

Which statement best describes your investment objective for your 401(k) plan?

I am looking for stability of my account balance and want to avoid any losses.
I am looking for stability of my account, but I can accept a low to moderate amount of fluctuation in my account if I can have more growth potential.
I am focused on growth. I am not concerned about moderate fluctuations each year.
I am focused on growth, and I am willing to accept a higher level of risk for higher returns.
I am seeking the most growth possible, and I am not concerned about fluctuations in the value of my account.
I am not sure what my investment objective should be for my 401(k) plan account.

Which statement best describes your approach as an investor?

I am very cautious about taking risks, and I want to avoid losses in my account.
I am somewhat cautious about taking risks, and I can handle relatively small losses in my account occasionally.
I am mixed between taking risks that are generally associated with greater account growth potential and the desire to minimize short-term losses in my account.
I am open to taking some risks for growth potential. I am less concerned about short-term (less than one year) losses or gains; I am looking more for long-term growth in my investments.
I am a risk taker and want to maximize the growth of my account over the next decade or longer. I am not concerned about short-term losses.
I am not sure what type of investor I am.

Generally, I'm very impatient during unfavorable market conditions, and will usually change my mind often.

I strongly agree.
I agree.
I somewhat agree.
I disagree.
I strongly disagree.
I'm not sure.

Consider the following ranges of possible returns over a one-year period. Which set of possibilities are you most comfortable with as it relates to your 401(k) investments?

-2.0% to 17.4%
-5.3% to 22.5%
-9.6% to 30.8%
-15.0% to 38.9%
-20.7% to 47.1%

The chart below shows possible growth of $1,000 over a five-year period for a series of different investment strategies. Which of the five scenarios are you most comfortable with as an investor?

$1,112 to $1,839
$1,034 to $2,004
$944 to $2,210
$817 to $2,474
$677 to $2,818

What would you do if you heard on the news or read in the paper that the U.S. stock market suddenly dropped by 10 percent?

I would change my strategy to something with less volatility. This kind of market volatility make me very nervous – I don't want to be exposed to this type of risk again.
I would move most of my account into something a bit less risky. This kind of market volatility makes me nervous, but I would consider getting back into stock funds when it has quieted down.
I would probably move half of my stock portfolio balance into something with less market volatility, such as cash or bonds. This kind of market volatility makes me a little nervous, so I would rather reduce some of my stock exposure until the market has quieted down.
I would stick with my investments, but I would probably worry about meeting my retirement goals and watch my account balance very closely.
I would stick with my investment selections and would not make any changes. I have enough time and patience to ride it out.
I don't know what I would do.

How likely is it that you will take a loan or withdrawal (if available in your plan) within the next five years?

Very likely
Likely
Somewhat likely
Not very likely
Definitely not likely

Do you have an emergency fund set aside to meet unexpected cash flow demands?

No, I do not have money set aside for emergencies.
I have about one month's worth.
I have two to three months' worth.
I have four to six months' worth.
I have more than six month's worth.
    

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