BIAS - Bermuda Investment Advisory Services

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Analyse Your Risk Profile

BIAS - Analyse Your Risk Profile

1. What is your primary objective for the money that you are investing?

Car purchase or vacation
Children's education
Down-payment on a home
Saving for retirement
To immediately start providing retirement income
Building up an estate

2. How long do you intend to manage your BIAS investment portfolio?

Under 3 years
3-5 years
6-10 years
11-15 years
More than 15 years

3. What is the major goal for your 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 I am less concerned about fluctuations in returns.
My sole objective in my retirement portfolio is maximum growth over the long term.

4. Over the next 5 years, what portion of your portfolio do you expect to withdraw?

100%
75%
50%
25%
0%

5. Which one of the following ranges includes your current age?

Under 30
30-39
40-49
50-59
60-69
70-79
Over 79

6. Which one of the following ranges includes your current annual family income, including pensions, before taxes?

Under $30,000
$30,001 to $45,000
$45,001 to 60,000
$60,001 to $75,000
$75,001 to $90,000
Over $90,000

7. How would you rate your investment knowledge?

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

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

Less than three months
3 - 6 months
6 months to 1 year
1-2 years
2-3 years
3 years or more

9. 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?

I'd be uncomfortable with any loss
A 5% drop is all that I could live with.
A 10% decline is something I could tolerate.
A 15% drop would be about all I could stand.
A 20% decline is pretty much my limit.
A 25% decline is my absolute tolerance level.

10. When making an important investment decision, which seems more significant to you -- possible profit or loss?

I would consider the potential loss first.
I would consider the potential loss somewhat more.
They're both about the same to me.
I would consider the potential gain somewhat more.
I would consider the potential gain first.

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