Risk Tolerance  
Aiming for high investment returns generally means accepting a higher level of investment risk. That is, investment vehicles that have the potential to provide high returns typically have increased volatility. This calculator is designed to help you clarify your comfort level with investment risk.
     

1. If one of your investments lost 25 percent of its value in a short
period of time, how would you react?

Hold steady
Buy more at the lower price
Sell out of the position, cutting further losses

2. With which of the following investments do you feel most comfortable?

High-grade corporate bond
Certificate of deposit
Growth stock

3. Of the following stocks, which do you feel would best suit your needs?

An aggressive small-company stock that pays no dividends but offers great potential for long-term growth
A conservative utility stock that pays high dividends but offers little chance for long-term growth
A "blue chip" stock that offers the potential for modest dividends and growth

4. What have you traditionally considered most important for your
investments?

Maximum growth
Conservative growth
Safety

5. Which would make you happier?

Avoiding an investment that would have resulted in a large loss
Picking an investment that results in a large gain
No preference

6. How would you advise a recent college graduate regarding his/her first paycheck?

Start investing right away
Use the money to make sure you have adequate insurance
Use the money for household expenditures

7. In his poem "If," Rudyard Kipling wrote, "If you can make one heap of all your winnings, and risk it on one turn of pitch-and-toss, and lose, and start again at your beginnings and never breathe a word about your loss......you'll be a man my son."
Do you agree with this sentiment?

Agree
Neither agree nor disagree
Disagree

8. What is your feeling about insurance (life, health, disability income, homeowners, etc.)?

Insurance is the foundation of a sound financial strategy
Most of the time insurance is a necessary expense
Who needs insurance?

9. If an eccentric millionaire offered you your choice of the following, which would you choose?

A guaranteed $10,000
A 90 percent chance of receiving $20,000
A 50 percent chance of receiving $50,000

10. Which of the following best represents your philosophy about life?

Nothing ventured, nothing gained
Everything in moderation
Slow and steady wins the race

 
   
   
DERRICK FINANCIAL GROUP - Insurance, Investments, Financial Services
1831 Forest Dr Suite K • Annapolis, MD • 21401
Phone: 301-261-1595 or 410-263-9708 • Fax: 410-263-2709
• charles_l_derrick@glic.com

Charles Richard Derrick, Registered Representatives of Park Avenue Securities, LLC (PAS).  Securities products and services are offered through PAS, 954 Ridgebrook Road, Suite 300, Sparks, Md.  21152, 410-828-5400.  Field Representatives, The Guardian Life Insurance Company of America, New York, New York.  PAS is an indirect, wholly-owned subsidiary of Guardian.  Derrick Financial Group is not an affiliate or subsidiary of PAS or Guardian. 

Stephen Lee Derrick and Charles Lee Derrick, Registered Representatives and Financial Advisors of Park Avenue Securities, LLC (PAS).  Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 954 Ridgebrook Road, Suite 300, Sparks, Md.  21152, 410-828-5400.  Field Representatives, The Guardian Life Insurance Company of America, New York, New York.  PAS is an indirect, wholly-owned subsidiary of Guardian.  Derrick Financial Group is not an affiliate or subsidiary of PAS or Guardian. 

PAS is a member FINRA, SIPC.

The information on this site is intended for the residents of DC, KY, MA, MD, ME, NC, PA, and VA.  The financial representatives of Derrick Financial Group are not licensed to sell insurance in all 50 states.  To find out if an agent is licensed in your state, please contact Lee Derrick at 410-263-9708.

Registered Representatives securities licensed in DC, KY, MA, MD, ME, NC, PA, and VA.  This website is strictly intended for individuals residing in those states.  No offers may be made or accepted from any resident outside these specified states.

 

Neither Guardian, nor its subsidiaries, agents or employees provide tax or legal advice.  You should consult your tax or legal advisor regarding your individual situation.

 

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Copyright 2005-2011, The Guardian Life Insurance Company of America.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

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