iJoin Default Risk Tolerance Questionnaire

1) How many years until you begin to take money from your retirement savings?

0

0 to 5 years

3

5 to 10 years

5

11-20 years

6

21-30 years

7

30+ years

2) I have prior experience with stocks (including international) and bond mutual funds, and recognize the different risks and expected returns associated with each:

1

Disagree

2

Agree

3

Strongly Agree

3) I prefer using investments that are likely to produce higher returns even though they are riskier.

1

Disagree

2

Agree

3

Strongly Agree

4) What is the number of consecutive years you would be willing to accept of account performance that was either flat or negative?

0

Never

1

1 Year

2

2 Years

3

3 Years

5) I view my 401(k) account as a long-term investment, and would not need to access these dollars for loans or short-term expenses:

1

Disagree

2

Agree

3

Strongly Agree

6) How concerned are you regarding the possibility of wide swings or fluctuations in the value of your retirement income over the next 3 to 6 months? Fluctuations in your account balance are caused by changes in the price of investments that you hold.

0

Very Concerned

1

Somewhat Concerned

2

Not at all concerned

7) Regardless of how you have answered the above questions, how do you personally classify your level of investment aggressiveness?

0

Low level

1

Moderate level

2

High level

8) If a mutual fund position you held in your account fell in value by 20% in a 6 month period, would you be more likely to:

0

Sell all of the fund immediately

1

Hold the position

2

Add more to your position