Personal Investors


Caveats on the investor questionnaire's ability to provide financial forecasts


The asset allocation we suggest for you depends on your assessment of subjective factors, such as your risk tolerance and financial situation. The suggested allocation is limited to 3 broad classes of investments: stocks, bonds, and short-term reserves (such as money market accounts and certificates of deposit). They don't include other assets, such as real estate, personal property, or precious metals.

You should view the suggested asset allocation only as a general guideline for how you might consider investing your savings. It doesn't provide comprehensive investment advice—such as advice on buying a specific stock or bond mutual fund or ETF (exchange-traded fund)—and shouldn't be considered the sole or primary basis on which you make investment decisions.

It's important to carefully review the historical returns of various combinations of stocks, bonds, and short-term reserves over various holding periods to see if you can accept the level of risk in a given investment mix.

See how 9 model portfolios have performed in the past

Any modifications to your current mix of investments can be made gradually to lessen the impact of significant market changes and potential tax implications.

Finally, over time, your answers to these questions may change based on your experience and changing goals. The investor questionnaire doesn't provide comprehensive investment advice. We therefore recommend that you return to the questionnaire as needed to ensure that your asset allocation continues to meet your evolving needs. You may wish to consult a professional investment advisor, accountant, attorney, or broker before making or changing an investment, now or in the future.

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