Risk Questionnaire


1 How would you rate the degree of risk that you are willing to take in your financial affairs?
2 I am prepared to forego potentially large gains if it means that the value of my investment is secure.
3 In comparison with other people, I am more willing to make high risk investments.
4 What is more important for you in the context of investments: the risk or the potential gains?
5 What degree of risk would you say you have taken with your PAST financial decisions?
6 What degree of risk do you wish to take with your FUTURE financial decisions?
7 Have you ever borrowed money for the purposes of making an investment (other than for a mortgage)?
8 Would you borrow money for the purposes of making an investment (other than for a mortgage) in the future?
9 (Parts a, b, c, d, e, f) Experts tell us that as the value of investments can go up and down, we should be prepared to weather a downturn.
How upset would you be if the value of your investments fell by the following amounts in one year?







10Financial advisers usually invest money (in a ‘portfolio’) across a spread of investments.
What sort of spread of investments would you find most appealing, for example, Portfolio 1 with 100% low risk/low return or Portfolio 5 with 100% high risk/high return? Please select the portfolio that best fits what you would prefer.


11What is the CURRENT amount of insurance you buy (life insurance, home insurance, medical insurance, travel insurance etc.)

12What is the amount of insurance that you intend to buy IN THE FUTURE (life insurance, home insurance, medical insurance, travel insurance etc.)

13If you didn’t require access to your invested capital for at least six years in the future, for how long would you be prepared to see your invested capital go down in value before you decided to take it out of the markets and cash it in?

14I can tolerate the risk of large losses in my investments in order to increase the likelihood of achieving high returns.

15If my stocks and shares dropped in value by 20%, I would take that as good time to:

16Suppose that you are considering investing €20,000. You are selecting one investment from the six possibilities shown below.
There is a 50:50 chance that the investment will decrease in value, in which case you could end up with an amount as low as that shown in the left-hand box. Likewise, there is 50:50 chance that it will increase in value, in which case you could end up with an amount as high as that shown in the right-hand box.
For example, Investment A will always result in you ending up with your original sum of €20,000, whilst Investment F could result in between €14,000 and €52,000. As you go from A to F your expected return increases but so does your risk.


17The graphs below show the performance of four hypothetical portfolios over a ten year period.
Portfolio A doubled its value over the period, but it made big gains in some years, and suffered big losses in other years.
Portfolio D grew by a much smaller amount, but it was steady from year to year.
Portfolios B & C are intermediate between A and D both in their overall growth and in year to year fluctuations.
This question should only be considered in the context of your overall assessment of risk tolerance because past performance is not a reliable guide to future performance. You should not use information about the past to make decisions about the future. However, considering your personal circumstances and reasons for investing (pension, income, growth etc.), which portfolio would you choose for the future?



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