Your Investment Character

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Investment Lectures

What Kind of Investor Are You?

How you invest your retirement dollars depends on how much risk you are comfortable taking. Take a few minutes to answer the questions below, your investor characteristics will develop.

1. If allowed by law, would you withdraw the accrued benefits from your MPF scheme (e.g. voluntary contributions) before retirement to pay for a large unexpected expense?
	Yes
	No
	Maybe

2. Have you ever invested in individual stocks or mutual funds?
	Yes, and I was uncomfortable with the risk
	Yes, and I was comfortable with the risk
	No, but I would feel uncomfortable with the risk if I did
	No, but I would feel comfortable with the risk if I did

3. Assume you have $10,000 contributions invested in a fund, and its value dropped to $8,500 after six months. What would you do?
	I'd move all of the money to a conservative fund
	I wouldn't make any changes
	I'd transfer some money to a more conservative fund
	I'd put more money into that fund

4. If your MPF scheme offered two or more investment funds which allocate assets in securities, which best describes the one you would choose?
	A fund that largely allocates in Fixed Income Securities. This is less risky
	A fund that largely allocates in Equity Securities. This is among the most risky funds
	A balanced fund that allocates more or less equally between Fixed Income Securities and Equity Securities
	No fund that involves equity securities - the market is too risky

5. How do you feel about the rate of inflation and the effect it may have on your retirement income?
	I would like my investment earnings to keep up with the rate of inflation, but I don't want to take chances losing money
	I would like my investment earnings to earn more than the rate of inflation over the long-run, even though there is some risk that my investments may lose money in the short-term
	I would like my investment earnings to earn much more than the rate of over the long-run, even though there's a greater risk that my investments may inflation lose money in the short-term

6. My feelings about risk can be summed up as:
	I want the most opportunity for long-term growth in my MPF account, and I'm comfortable with large ups and downs in the value of my constituent funds during the short-term
	I can accept some daily ups and downs in the value of my selected funds if it means I can potentially earn more over the long run
	I'd rather accept lower long-term growth than worry about my MPF account losing money
	No fund that involves equity securities - the market is too risky

7. The table below shows five examples of how much $10,000 invested in an MPF scheme may go up or down in value after one year. Which investment would make you feel the most comfortable?

Scheme	Worst Case	Average Case	Best Case
A	$9,950	$10,600	$11,250
B	$9,700	$10,800	$11,900
C	$9,100	$11,000	$13,100
D	$8,500	$11,200	$14,500
E	$7,900	$11,400	$15,900

8. In how many years do you plan to retire?
	0-2 years
	3-5 years
	6-10 years
	Over 10 years

9. How many years will you estimate your retirement money can support your retirement life?
	0-2 years
	3-5 years
	6-10 years
	11-15 years
	More than 15 years

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