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Investor Profile Test

Want A Simple Way To Invest Without Being A Wall Street Expert? Take our One-Minute Investor Profile Test. Just choose the answer that best describes your situation by clicking on the circle beside that answer. Scroll to the bottom of this page when you are finished answering all questions, to see your score and review what that score means to you.
Pending What is your current age?

21 to 25  26 to 35  36 to 45 46 to 55 56+
Pending How much do you have in the bank? (savings, money market, CD's, etc)

None  Under $2,500  $2,501 - $5,000 $5,001 - $10,000 $10,001+
Pending How much of your income do you save every month?

None  < 5%  5-10% 11-15% 15+%
Pending If you invest in a fund, how soon would you need the money back?

< 6 months  1 - 3 years  3 - 5 years  5 - 10 years  10+ years 
Pending How important is it for your fund to pay you a monthly income?

Essential  Very Important  Important Somewhat Important Not Important
Pending How important is it for your fund to grow in value?

Essential  Very Important  Important Somewhat Important Not Important
Pending How much time can you spend monitoring your fund's performance?

None  10 minutes/week  30 minutes/week 1 hr/week 2+hrs/week
Pending Which of the following statements do you agree with most?

I won't invest unless I'm sure of getting back every cent.
I could accept a slight risk of losing money in hopes of getting a higher return than from a money market account or CD.
I could accept a moderate risk with my money in hopes of getting still higher returns.
I could accept a substantial chance of loss if that gives me a shot at the highest returns in the long run.

-- You must answer the questions above to see your score --

Now that you've taken our Investor Profile Test, the chart below will help you determine your "risk preference" and the category of Mutual Funds that might be right for you.

Here's A Basic Rule: To get higher returns, you must take higher risk. Some funds invest very conservatively, while others take more risk in pursuit of higher gains. So, to choose the fund that matches your goals, you'll need to consider how much risk you can afford.

If You Score... What Your Score Means
< 12 points Very Conservative Profile
You may want to consider meeting your goals with
Money Market Funds
Tax-Exempt Money Market Funds
12-26 points Conservative Profile
You may want to consider meeting your goals with
Government Bond Funds
High-Grade Corporate Bond Funds
High-Grade Tax Exempt Bond Funds
27-42 points Moderate Profile
You may want to consider meeting your goals with
High-Yield Corporate Bond Funds
High-Yield Tax Exempt Bond Funds
Income Funds
Balanced Funds
Growth-and-Income Funds
43-50 points Aggressive Profile
You may want to consider meeting your goals with
Growth Funds
51+ points Very Aggressive Profile
You may want to consider meeting your goals with
Aggressive Growth Funds

This chart is for your information only. Your total score does not recommend a particular mutual fund, nor does it guarantee that any mutual fund will achieve its investment objective. Mutual funds are not deposits and are not insured or guaranteed by the FDIC, or any other government agency. An investment in mutual funds involves investment risks including the possible loss of the principal amount invested. Always ask for a prospectus and read it carefully before you invest in any mutual fund.

© 2005 The Forms Group, All Rights Reserved


To learn more about which investments are right for you call our Investment Professionals, Mary Ellen Twigg and Susan Seitter at (804) 794-4281.

Securities are offered through Infinex Investments, Inc. Member FINRA/SIPC. CVB Financial Services is a division of the bank. Infinex is not affiliated with either entity. The products offered:
  • NOT A DEPOSIT,
  • NOT FDIC INSURED,
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY,
  • NOT GUARANTEED BY THE BANK,
  • MAY GO DOWN IN VALUE


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