Retirement Risk Advisors Risk Assessment

Risk Assessment - Masterclass

Congratulations on accepting the challenge to become the BOSS of your retirement. The purpose of this form is to help you better assess how well you are matching your money with your risk profile. To get the maximum benefit from this process it is important you answer all questions as accurate as possible.

Once you have completed the form hit the submit button to download and print. 
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Basic RISA Analysis

The purpose of this section is to determine what RISA quadrant you are in.
Are you comfortable in relying on market returns (probability) for all your retirement income or do you feel the need for protected sources (safety first) of income?
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Probability
Safety-First
Do you prefer a flexible retirement income strategy (optionality), or do you value strategies that remove the need to continually revisit prior income choices (commitment)?
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Optionality
Commitment
Which of the following quadrants do you fall into?
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Safety-first – Optionality
Safety-first – Commitment
Probability - Optionality
Probability - Commitment
Traditional Risk Tolerance Assessment

The purpose of this section is to determine your traditional risk tolerance for your investable assets. The numbers next to each of the answers are points that you will be asked to total to determine your risk tolerance.
Question #1 - What is your current age?
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Less than 45 (5 pts)
46-55 (4 pts)
56-65 (3 pts)
66-75 (2 pts)
Older than 75 (1 pt)
Question #2 - When do you expect to start drawing income from your portfolio?
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Not for at least 20 years (5 pts)
In 10 to 20 years (4 pts)
In 5 to 10 years (3 pts)
Not now, but within 5 years (2 pts)
Immediately (1 pt)
Question #3 - What is your goal for your investment portfolio?
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To grow aggressively (5 pts)
To grow significantly (4 pts)
To grow moderately (3 pts)
To grow with caution (2 pts)
To avoid losing money (1 pt)
Question #4 - Assuming normal stock conditions, what would you expect from your investment portfolio over time?
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To generally keep track with the stock market (5 pts)
To slightly trail the stock market, but make a good profit (4 pts)
To trail the stock market, but make a moderate profit (3 pts)
To have some stability, but make modest profits (2 pts)
To have a high degree of stability, but make small profits (1 pt)
Question #5 - Suppose the stock market performs unusually poorly over the next decade. What would you expect from your investment portfolio?
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To lose money (5 pts)
To make very little or nothing (4 pts)
To eke out a little gain (3 pts)
To make a modest gain (2 pts)
To be little affected by what happens in the stock market (1 pt)
Question #6 - Which of these statements best describes your attitude about the next three years’ performance of your investment portfolio?
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I don't mind if I lose money (5 pts)
I can tolerate a loss (4 pts)
I can tolerate a small loss (3pts)
I'd have a hard time tolerating any loss (2 pts)
I need to see at least a little return (1 pt)
Question #7 - Which of these statements best describes your attitude about the next three months’ performance of your investment portfolio?
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Who cares? One calendar quarter means nothing. (5 pts)
I wouldn’t worry about losses in that timeframe (4 pts)
If I suffered a loss of greater than 10%, I’d be concerned. (3 pts)
I can only tolerate small short-term losses (2 pts)
I’d have a hard time stomaching any losses. (1 pt)
Total up the points next to your answers for each of the previous seven questions and put your score here (max points is 35)
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Retirement Risk Tolerance Assessment

The purpose of this section is to determine your tolerance for Retirement Risk.

Rank each retirement risk as to how concerned you are that it will impact your retirement success. (1 being not concerned at all and 5 being very concerned) Check the "I Already Have a Solution" box only if you already have a solution in place for a given risk. You can only have one answer per row.

	1	2	3	4	5	I Already Have a Solution
1. Longevity Risk - The risk of outliving retirement assets and dying broke
2. Social Security Risk - The risk of claiming your Social Security at the wrong age and paying tax on your benefits
3. Tax Rate Risk - The risk that tax rates will be higher in the future than they are today
4. Sequence of Return Risk - The risk of withdrawing money from retirement assets in a down market
5. Withdrawal Rate Risk - The risk of spending retirement assets too fast
6. Long Term Care Risk - The risk of becoming permanently disabled before you pass away
7. Inflation Risk - The risk inflation will erode the buying power of your retirement savings
8. Medicare Risk - The risk of claiming the wrong benefits at the wrong time from Medicare
9. Elder Abuse Risk - The risk of financial exploitation after the age of 60
10. Lack of Income Diversity Risk - The risk of not having enough income diversity to stabilize my retirement during volatile times

How many of the ten risks did you mark as either a 3, 4 or 5?
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Thank you for completing your retirement risk assessment. Hit submit to download and print your results and to also get access to your FREE RISA analysis and Getting Safely Through Retirement Guidebook.

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Risk Assessment - Masterclass

Basic RISA Analysis

Traditional Risk Tolerance Assessment

Retirement Risk Tolerance Assessment

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