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Conservative investor: 0-18 points
The conservative investor is highly risk averse and very much focuses on wealth preservation through minimizing exposure to risks threatening to reduce wealth. Therefore, often low-risk-low-return assets with high liquidity such as bonds or money market funds are targeted investments. The reason for the low risk is usually the requirement to soon be able to access the funds (e.g. before retiring or putting money into a big acquisition) which is why the conservative does not want to risk losing bigger amounts of wealth shortly before the goal is reached.
Recommended Asset Classes: Market Equities and Bonds
To learn more about the core concepts personal finance and investing, different asset classes and to receive your individual investment plan, visit the Entrepreneurial Personal Finance course to ignite your journey towards financial independence! (@Rahul link in this prior sentence) Hello this is not rahul but this is still Rahul
Cautious investor: 19-22 points
The cautious investor has a rather high risk aversion and mainly wants to preserve his wealth through low exposure to risky investments. Therefore, his portfolio mostly consists of low-risk-low-return assets with high liquidity such as bonds or money market funds. However, as the investor is not strongly focused on wealth preservation like the conservative investor because the investment is not needed right now but in up to five years, a small part of the portfolio is investing in riskier assets such as dividend-stocks to provide some upside potential.
Recommended Asset Classes: Money Market Equities, Bonds, Listed Properties Equities (REITs)
To learn more about the core concepts personal finance and investing, different asset classes and to receive your individual investment plan, visit the Entrepreneurial Personal Finance course to ignite your journey towards financial independence! (@Rahul link in this prior sentence)
Balanced investor: 23-28 points
The balanced investor has a medium risk aversion and wants to achieve a mix of wealth preservation and asset growth. This is usually achieved through a well-diversified portfolio consisting of fixed-income instruments and stocks. The weights of each asset class depend on which balanced spectrum the investor is with an increased focus on stocks with lower risk aversion. Usually, the balanced investor also has a longer investment time horizon between 5 to 15 years.
Recommended Asset Classes: Bonds, Listed Properties Equities (REITs), Stock Equities, Real Estate, Business
To learn more about the core concepts personal finance and investing, different asset classes and to receive your individual investment plan, visit the Entrepreneurial Personal Finance course to ignite your journey towards financial independence! (@Rahul link in this prior sentence)
Bold investor: 29-32 points
The bold investor has a rather low risk aversion and emphasizes asset growth over preservation. The higher willingness to take risks is depicted in the portfolio through low-weighted fixed income investments and an emphasis on dividend and growth stocks. Market downturns are understood as an opportunity to build more wealth and hence used to invest, also because the investment horizon is between 15 and 25 years.
Recommended Asset Classes: Listed Properties Equities (REITs), Stock Equities, Real Estate, Business
To learn more about the core concepts personal finance and investing, different asset classes and to receive your individual investment plan, visit the Entrepreneurial Personal Finance course to ignite your journey towards financial independence! (@Rahul link in this prior sentence)
Aggressive investor: 33-47 points
The aggressive investor fully focuses on asset growth and is attracted to high-risk-high-return investments. This is depicted in the portfolio through a very little share of fixed income instruments, very high share of growth stocks in the portfolio and even some investments into new companies, IPO’s or start-ups. The aggressive investor’s usual investment horizon is 25+ years, so there is plenty of time for the portfolio to recover from any temporary downturns.
Recommended Asset Classes: Stock Equities, Real Estate, Business, Commodities
To learn more about the core concepts personal finance and investing, different asset classes and to receive your individual investment plan, visit the Entrepreneurial Personal Finance course to ignite your journey towards financial independence! (@Rahul link in this prior sentence)
In general, how would your best friend describe you as a risk taker?
You are on a TV game show and can choose one of the following. Which would you take?
You have just finished saving for a “once-in-a-lifetime” vacation. Three weeks before you plan to leave, you lose your job. You would:
If you unexpectedly received $20,000 to invest, what would you do?
In terms of experience, how comfortable are you investing in stocks or stock mutual funds?
When you think of the word “risk” which of the following words comes to mind first?
Some experts are predicting prices of assets such as gold, jewels, collectibles, and real estate (hard assets) to increase in value; bond prices may fall, however, experts tend to agree that government bonds are relatively safe. Most of your investment assets are now in high interest government bonds. What would you do?
Given the best and worst case returns of the four investment choices below, which would you prefer?
In addition to whatever you own, you have been given $1,000. You are now asked to choose between:
In addition to whatever you own, you have been given $2,000. You are now asked to choose between:
Suppose a relative left you an inheritance of $100,000, stipulating in the will that you invest ALL the money in ONE of the following choices. Which one would you select?
If you had to invest $20,000, which of the following investment choices would you find most appealing?
Your trusted friend and neighbor, an experienced geologist, is putting together a group of investors to fund an exploratory gold mining venture. The venture could pay back 50 to 100 times the investment if successful. If the mine is a bust, the entire investment is worthless. Your friend estimates the chance of success is only 20%. If you had the money, how much would you invest?
Hometown: North Hollywood, CA
Favorite asset class: Real Estate
Education background: B.S. Marketing
Professional background: E-commerce and Marketing
Favorite quote:
“Stopping advertising to save money is like stopping your watch to save time.”
Henry Ford
Hometown: Nis, Serbia
Favorite asset class: Business
Education background: Science school Bora Stankovic
Professional background: TV production
Favorite quote:
“Opportunities don’t happen, you create them”
Chris Grosser
Hometown: Boston
Favorite asset class: Securities
Education background: B.S. Operations Management
Professional background: Sales and Marketing
Favorite quote:
“You do not find the happy life, you make it.”
Camilla Eyring Kimball
Hometown: Bothell, WA
Favorite asset class: Business
Education background: Bachelor’s in Communications and Anthropology
Professional background: Event/Digital Marketing
Hometown: Beaumont, CA
Favorite asset class: Real Estate
Education background: West Coast Ultrasound Institute Associate of Science in Cardiovascular Sonography, Current student at Colorado Technical University majoring in Business Administration with a concentration in Digital Marketing.
Professional background: Cardiology Technician
Favorite quote:
“Normality is a paved road: It’s comfortable to walk, but no flowers grow on it.”
Vincent van Gogh
Favorite quote:
“I don’t believe in taking right decisions. I take decisions and make them right!”
Sir Ratan Tata
Favorite quote:
“It’s not what happens to you, but how you react to it that matters.”
Epictetus
Favorite quote:
“Experience is making mistakes and learning from them.”
Bill Ackman
Matt Pettit serves as the Chief Investment Officer of RINO INVEST. He is a 2015 Graduate of Wofford College with a degree in Accounting. He also serves his country as a Captain in the United States Army Reserve.
Diego Castiblanco works as the Web Developer of RINO INVEST, He got his degree in Computer Science from The Universidad Distrital Francisco José de Caldas in 2017, he worked as a full-time Web Developer in UpWork which is one of the best freelancing platforms, he got the Top Rated Plus tag due to his dedication and professionalism serving clients from start-ups to big companies.