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Financial Calculator
When it comes to investing, every person has a different propensity for risk. Our investment risk calculator can help guide your portfolio composition based on your risk tolerance profile.
When it comes to investing for your future, every person has a different propensity for risk. We can help assess you individual risk profile based on the risks you are willing to accept.
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This tool is intended to assist you in gathering important information about yourself, such as your financial goals, objectives and time horizons, and to help you make a more informed decision regarding your specific situation. Your responses are not intended to represent a comprehensive basis for evaluating suitability (or, if applicable, conducting underwriting) on any specific insurance, annuity, or investment product. In the event that you decide to purchase any product, you will be required to complete a separate policy application/contract and/or Investor Profile, which will serve as the basis for the Company’s conduct suitability and/or an underwriting analysis with regard to the specific product that you wish to purchase.
In the event of any discrepancy between the information that you provide in completing this questionnaire/fact finder and that which you furnish in completing an Investor Profile and/or product application/contract, the information contained in the Company product application/contract and/or Investor Profile will govern and will serve as the basis for the Company’s assessing the appropriateness for you of the product to which such document(s) pertain.
Why it’s important to know your risk level.
Investing can be volatile. Many financial instruments come with a risk of loss. A good rule of thumb is that greater returns come with greater volatility. You should have a realistic understanding of your ability and willingness to endure large swings in your portfolio, because if not, you might panic sell and lock in your losses for good.
Age and Risk.
In general, investors with a long investing timeline can assume more risk than older people who might need their money sooner. Remember, the longer your timeline, the more time you have to ride out down periods and avoid selling assets at a loss.
A higher risk tolerance usually results in portfolios that are more heavily-weighted to equities, while a lower risk tolerance requires a larger allocation to bonds, which are less volatile.
Most overestimate their tolerance.
Many claim that they’d be able to stay the course in a hypothetical market downturn, only to panic when it actually happens. Err on the side of caution when you’re first starting out.
Portfolio value and risk.
In general, if you have money saved far beyond your needs, you can afford to be a little riskier with a portion of your portfolio.
More information and resources.
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