THRIFT SAVINGS PLAN

The following risk tolerance questionnaire is intended to help you clarify your risk profile. Answer the questions, then total your points and find the appropriate model.

Risk Tolerance Questionnaire

How old are you today? Points
Under 45 5
45 to 55 4
56 to 65 3
66 to 75 2
76 and up 1

When do you need to begin taking distributions? Points
More than 20 years 5
In 10 to 20 years 4
In 5 to 10 years 3
Within 5 years 2
Now 1

What are your goals for your TSP? Points
Aggressive Growth/Speculation 5
Long Term Capital Growth 4
Moderate Growth 3
Conservative Growth 2
Capital Growth 1

In a "normal" market, I hope that my TSP: Points
Keeps pace with the stock market 5
Slightly trails the stock market, but makes a good profit 4
Trails the stock market, but makes a moderate profit 3
Has some stability, but makes modest profits 2
Has a high degree of stability, but makes small profits 1

Should the stock market perform poorly over the next 10 years, what might you expect from this investment? Points
To lose money 5
To make very little or nothing 4
To eke out a little gain 3
To make a modest gain 2
To be little affected by what happens in the stock market 1

Over the next three years, in my TSP Points
I don't mind if I lose money 5
I can tolerate a loss 4
I can tolerate a small loss 3
I'd have a hard time tolerating any losses 2
I need to see at least a little return 1

Over the next three months, in my TSP Points
Who cares? One calendar quarter means nothing 5
I wouldn't worry about losses in that time frame 4
If I suffered a loss of greater than 10%, I'd get concerned 3
I can only tolerate small short-term losses 2
I'd have a hard time stomaching any losses 1

Scoring:  
Figure your score by totaling the sum of the points that coincide with the answers you have chosen.
If your total point value is:  
7 to 15 Conservative
16 to 20 Moderately Conservative
21 to 26 Moderate
27 to 31 Moderately Aggressive
32 to 35 Aggressive

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