WHICH OF THE FOLLOWING BEST DESCRIBES YOUR INVESTMENT TEMPERAMENT?

__   A. CONSERVATIVE.  You are generally risk-adverse, desiring mostly guaranteed investment having no volatility.  Government backing is important.  You are willing to accept lower returns for added safety.  You favor CDs, Government Bonds and Fixed Rate Annuities.  If you invest in any equities or bonds, which can fluctuate in value, it is with a small portion of your investable assets (i.e. no more than 20%-30%)

__   B. MODERATELY CONSERVATIVE.  You are willing to take some risk, but generally want to minimize volatility.  You wish to achieve a higher overall return than you can get with only guaranteed instruments, but you don't want to take the risk of losing much value, even on a short-term basis.  While you like CD type vehicles, you are also interested in stocks of large, healthy companies, corporate or municipal bonds and possibly a small exposure to International and small company stocks.  Interest-bearing conservative allocation: 40%-60%, Stocks 40%-60%.

__   C. BALANCED.  You are willing to take measured risks within a diversified approach to investing.  You understand that while stocks (equities) can be volatile, they have generally performed better over long periods of time, and, therefore you want to have a reasonable portion of your assets in stocks.  However, you are not overly aggressive, and want to lessen potential risks with a portion of more conservative investments, such as bonds and money markets.  In addition to the types of investments listed above, you are not averse to owning International Stocks, Smaller Company Stocks, Investment Real Estate and other diversified investments.   Interest-bearing conservative allocation: 20%-40%, Stocks 60%-80%.

__  D. MODERATELY AGGRESSIVE.  You are willing to accept higher risk in order to achieve higher returns.  You understand that variable investments can have dramatic short-term swings, but that over time periods of five, ten or fifteen years, the volatility is lessened, while the opportunity for significantly better returns is enhanced.  Therefore a majority of your investment assets will be in equity (stock) investments (80%-90%), but you will keep some assets in more conservative vehicles such as bonds and money markets.  Interest-bearing conservative allocation: 10%-20%, Stocks 80%-90%.

__  E. AGGRESSIVE.  You are willing to accept higher volatility and investment risk in order to have the opportunity to achieve higher rates of return.  Most of your investments will be in equities (stocks), with only money needed for shorter-term objectives held in conservative vehicles.  Interest-bearing conservative allocation: 0%-10%, Stocks 90%-100%.

__  Between ______ and ______.                             

Date Form Completed: _____________