Investor Profile Questionnaire - Everest Financial Services

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Please complete the following questions regarding your investment preferences, to help us build your investor profile.

Primary owner: (Client 1)

Joint owner: (Client 2)

Corporate:

Investment needs and objectives

Understanding the purpose of your investment helps determine the appropriate mix of mutual funds to meet your goal(s). What is your goal(s)? Select all that apply (*required).

a. Fund my retirement.b. Save for a large purchase in the near term.c. Save for a large purchase in the longer term.d. Fund my children’s education.e. Have an emergency fund.f. Grow for inheritances or charitable donations.g. Other, please describe:

Time horizon

Considering your main goal for this plan, when do you expect that you’ll have withdrawn all or a significant portion (50% or more) of the money from this account? (For joint plans, all account holders must agree on the answer.) (*required)

a. 1-3 yearsb. 4-5 yearsc. 6-10 yearsd. Over 10 years

Investment knowledge

Which statement best describes your knowledge of investing? (*required)

a. I have no knowledge or experience with investing.b. I have limited knowledge of the financial markets and hardly any experience with investing.c. I have some knowledge with various investment strategies and have some experience investing.d. I have extensive knowledge of the financial markets and have a significant amount of experience investing.

Risk capacity

1. What is your annual gross income (from all sources)? (*required) a. Less than $30,000b. $30,000 - $60,000c. $60,001 - $90,000d. $90,001 - $120,000e. Over $120,000

2. How would you classify your current/future income source(s)? (*required)

a. Stableb. Somewhat stablec. Unstable

3. What is your estimated net worth (What you own minus what you owe. This includes things like your house, investments and bank accounts minus things like mortgages, loans and other debts)? (*required)

a. Under $50,000b. $50,000 - $99,999c. $100,000 - $200,000d. Over $200,000

Note: check this box if this is for an individual plan and the figures above include your spouse’s net worth:

Yes

4. Liquid assets are assets that you can redeem for cash quickly and easily (like a bank account or taxfree savings account) for the purpose of covering a shortfall, an unexpected expense, or a short-term goal. What is the value of your liquid assets? (*required)

a. Under $25,000b. $25,000 - $49,999c. $50,000 - $100,000d. Over $100,000

Note: check this box if this is for an individual plan and the figures above include your spouse’s net worth:

Yes

5. What is your age group? (*required)

a. Under 35b. 35-54c. 55-64d. 65 or older

6. For each plan noted earlier, identify the approximate percentage of your total savings and investments that the plan represents? (*required)

a. Less than 25%b. 25% - 50%c. 51% - 75%d. More than 75%

Risk tolerance

The chart below shows how price fluctuations can impact the value of four different $100,000 investments over a one-year period. Which investment would you likely invest your money in? (*required)
(For joint plans, all account holders must agree on the answer)

a. Investment A could increase $2,000 or decrease $500b. Investment B could increase $5,000 or decrease $2,000c. Investment C could increase $12,000 or decrease $8,000d. Investment D could increase $25,000 or decrease $20,000

chart showing range of potential gains and losses over a one-year period for four different investments of $100,000

2. In making financial and investment decisions you’re: (*required)
(For joint plans, all account holders must agree on the answer)

a. Very conservative and not willing to accept any declines in the value of the accountb. Somewhat conservative but willing to accept a small decline in the account if it means there is a chance for it to growc. Comfortable with moderate declines in the value of my account if that gives me the opportunity for larger returnsd. Comfortable with larger ups and downs in the market if it gives me the greatest opportunity for significant returns

3. Investments with higher returns typically involve greater risk. The chart below shows hypothetical annual returns (annual increases and decreases to market value) for four different investment portfolios over a 10-year period. Keeping in mind how the returns fluctuate, which investment portfolio would you be most comfortable with? (*required)
(For joint plans, all account holders must agree on the answer)

a. Portfolio A - Small increases and little to no decreases each yearb. Portfolio B - Small to moderate increases most years, some small to moderate decreases in other yearsc. Portfolio C - Moderate increases most years, some moderate decreases in other yearsd. Portfolio D - Large increases in some years, some moderate to large decreases in other years

chart showing hypothetical annual returns (annual gains and losses) for four different investment portfolios over a 10-year period

4. The value of an investment portfolio will generally go up and down over time. Hypothetically, if you invested $100,000, how much of a decline in your portfolio could you tolerate over a 12-month period before you take action on the account?
(For joint plans, all account holders must agree on the answer)

a. I couldn’t tolerate any lossb. I could tolerate losing $3,000c. I could tolerate losing $10,000d. I could tolerate losing $20,000e. I could tolerate losing more than $20,000 (more than -20%)

5. When investing your money are you more focused on the possible losses or the possible gains?
(For joint plans, all account holders must agree on the answer)

a. Mainly the possible lossesb. Usually the possible losses, with a lesser focus on gainsc. Usually the possible gains, with a lesser focus on lossesd. Mainly the possible gains

6. From September to November 2008, North American stock markets declined over 30%. If this happened today and your $100,000 investment dropped to $70,000 over a three-month period, what would you do?
(For joint plans, all account holders must agree on the answer)

a. Sell all the remaining investments to avoid further losses.b. Sell a portion of the remaining investment to protect some of the capital.c. Hold onto the investment and hope that the market will recover.d. Buy more of the investment now since the prices are lower.

Risk tolerance

Will you be borrowing money (in other words, taking out a loan or using a line of credit) to fund this purchase? (*required)
(Note: if a non-registered plan is being opened, additional documentation will be required) (For joint plans, if any account holder is borrowing money for this investment, answer Yes)

a. Yesb. No Please leave empty