The Investor Profile Worksheet can help us
evaluate your current investment objectives. Simply answer each of the
10 questions that follow. We will match your totals to one of the
five Disciplined Investment Strategies portfolios offered.
It is important
to consider this investment in relationship to your total
Portfolio. The percent of your portfolio that this
investment represents can make a difference in how
conservative or aggressive you may want to be.
Approximately what percentage of your current investment
portfolio are you considering relocating?
include your principal residence or vacation home when
figuring this total.)
Less Than 25%
Between 25% and 50%
Between 51% and 75%
More Than 75%
Your expectation for future personal
income will help determine how your assets should be allocated. If
you're expecting significant income increases it may be appropriate to be
somewhat more aggressive.
Which ONE of the following describes your expected future
personal income over the next five years?
inflation will average 4%.)
I expect my earnings will far outpace inflation.
I expect my earnings to stay ahead of inflation.
I expect my earnings to keep pace with inflation.
I expect my earnings to decrease.
large portion of your income goes toward paying debt, you may
need to have cash available in case of unforeseen
Approximately what portion of your monthly take-home income
goes toward paying off installment debt (auto loans, credit
cards, etc.) other than a home mortgage?
Less than 10%
Between 10% and 25%
Between 25% and 50%
More than 50%
have responsibility for ongoing family obligations and this
can dictate a more conservative approach.
How many dependants do you have?
(Include children you continue to support, elderly
More Than Three
5 & 6
Emergency fund helps protect you against unexpected
events. Under unforeseen circumstances such as loss of
income, many people need to draw on what was intended to be
"long-term" money for short-term needs.
Unless you have separate savings for major expenses, you may
have to use money from this investment. If you don't
have an emergency fund, a conservative investment my be more
Do you have an emergency fund (savings from three to six
months after-tax income)?
Yes, but less than six months of after tax income.
Yes, I have an adequate emergency fund.
If you expect to have other major expenses (such as college
tuition, home down payment, home repairs, etc.), do you have a
separate savings plan for these expenses?
Yes, I have a separate savings plan.
I do not expect to have any such expenses.
I intend to withdraw money for these expenses.
I have no separate savings plan.
investment experience can help determine your attitude toward
investment risk. If you've had experience with
different investments and you are comfortable with the
associated risks, we can better assess your risk tolerance.
Have you ever invested in individual bonds or bond mutual funds and/or
stocks or stock mutual funds?
No, and I would be unconfortable with the risk.
No, but I would be comfortable with the risk.
Yes, but I was uncomfortable with the risk.
Yes, and I felt somewhat comfortable with the risk.
Yes, and I felt comfortable with the risk.
comfort level with investment risk is important to how
aggressively or conservatively you choose to invest. The
comfort level you choose should be balanced with your desire
to achieve your investment goals.
Which ONE of the following statements describes your feelings
towards choosing an investment?
Select investments that have a low degree of risk.
Select a mix of investments with emphasis on a low degree of risk.
Select a balanced mix of investments.
Select an aggressive mix of investments.
Select investments with high degree of risk.
9 & 10
the time frame for your investment is critical in making an
investment decision. Over time, certain investment
types outperform others. Historically, stocks
outperform bonds and short-term investment, so the
longer you're putting money away, the more important it is to
place a portion in growth investments. Shorter-term
money belongs in more conservative investments which are less
subject to fluctuations. The longer your money can be
invested and take advantage of market cycles, the more
aggressive you may want to be.
Do you expect to withdraw more than one-third of the money in
this account within 10 years (for a home purchase, college
tuition, or other major need)?
Yes, within three years.
Yes, within four-six years.
Yes, within seven-ten years.
Do you expect to take earnings (with no reduction in
principal) from this account in:
More than fifteen years.
In order for Koehler Financial Services, Inc. to respond,
the above information
must be completed.