This tool is designed to assess your comfort balancing investment risk with upside potential. Higher expected returns are correlated with larger potential losses. Summit believes this process is helpful to assess risk but it is not an exact science.

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1. What is the main goal for your investments?

a) Safely generate income from my investments

b) Generate income, while also pursuing capital appreciation

c) Steadily grow my assets

d) Aggressively grow my assets

2. I expect to take regular distributions from my portfolio in:

a) 0-4 years

b) 5-10 years

c) 11-20 years

d) Over 20 years

3. Five years from now, how do you expect your net income to change?

a) Significantly lower

b) Not significantly different

c) Significantly higher

4. Which statement best describes your anticipated portfolio financial situation during the next 5 years?

a) I plan on taking a significant withdrawal(s) from my portfolio

b) I don't plan on taking a significant withdrawal(s) or making an additional contribution(s) to my portfolio

c) I don't plan on taking any amount of a withdrawal(s) and do plan to make a modest contribution(s) to my portfolio

d) I plan on making a significant contribution(s) to my portfolio

5. Which behavior best describes you?

a) I am concerned when my portfolio experiences short-term volatility

b) I am generally accepting of short-term volatility in my portfolio

c) I am not at all concerned when my portfolio experiences short-term volatility

6. Which statement best describes your tolerance to risk?

a) I pursue modest increases in my investments, with low risk of loss

b) I aim for investment growth, accepting moderate risk of loss

c) I seek above-average growth in my investments, accepting above-average risk of loss

d) I reach for maximum returns, accepting significant risk of loss

7. This chart shows the potential 1-year risk / return tradeoff of a $100,000 investment portfolio. Which would you choose?

$2,000

$0 a) A

$9,000

$5,000 b) B

$20,000

$13,000 c) C

$31,000

$21,000 d) D

$37,000

$26,000 e) E

8. During the most recent market decline, how did you react?

a) I sold a significant amount of my risk assets

b) I made no significant changes to my risk assets

c) I bought more risk assets

9. You make an investment, planning to hold it for five years. Its long-term investment merits stay intact, however it loses 20% in the first year. How do you react?

a) I would sell my investment

b) I would consider selling part of my investment

c) I wouldn't sell my investment

d) I would buy more of the investment

10. The following charts show the potential performance of an investment over 12 years. Which would you choose?

a) A

b) B

c) C

d) D

Your survey answers indicate your risk tolerance category is Conservative. You can accept losing 0% in a market downturn to pursue long-term goals.

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