Risk Assessment | Aturan Capital Management | Fee-Only Investment Advisory in New York

1. Time horizon for the funds being assessed

Less than 1 year 1–3 years 3–7 years 7–12 years More than 12 years

2. Primary financial objective

Preserve capital and avoid loss Generate steady income with limited growth Balance growth and income Long-term capital growth Maximize long-term growth even with substantial volatility

3. Reaction to a sudden 25% portfolio decline over 6 months

Sell most positions to stop further loss Shift allocation to safer assets Make no major changes; review plan Rebalance and maintain long-term exposure Seek opportunities to increase exposure

4. Liquidity needs for these funds

Expect frequent withdrawals (<1 year) Possible withdrawals in near term (1–3 years) Occasional withdrawals; mainly medium term Low liquidity needs; long-term hold No liquidity needs; fully long horizon

5. Required real return to meet objectives (after inflation)

0–2% real 3–4% real 5–6% real 7–9% real 10%+ real

6. Prior experience during market downturns

Reacted emotionally and exited positions Shifted allocation toward safety Held positions and waited Rebalanced to target and added selectively Opportunistically increased risk exposure

7. Percentage of portfolio you are comfortable allocating to equities

8. Ability to withstand multi-year underperformance relative to peers

Cannot tolerate underperformance; would change strategy Low tolerance; likely adjust strategy Moderate tolerance; would review but hold High tolerance; stick to long-term plan Very high tolerance; view as temporary opportunity

9. Importance of capital preservation vs. growth

Capital preservation is paramount; avoid any risk of loss Preservation important; accept minimal risk for some growth Balance between preservation and growth Growth more important; accept moderate risk Maximize growth; willing to risk capital

10. Reaction to daily/weekly volatility (large swings within markets)

Highly stressful; prefer no volatility Uncomfortable; may prompt changes Acceptable; part of investing Expected; focus on long term Exciting; look for opportunities

11. Financial capacity (ability to support objectives despite losses)

No capacity; losses would derail goals Limited capacity; small losses acceptable Moderate capacity; can absorb average market losses Strong capacity; significant buffers in place Very strong capacity; losses won't impact lifestyle or goals

12. Willingness to accept complexity and illiquidity for potential higher returns

Prefer simple, highly liquid investments only Accept some complexity if benefits are clear Moderate complexity and limited illiquidity acceptable Willing to accept complexity and some illiquidity Comfortable pursuing complex or less liquid strategies to seek higher returns

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Results are general indicators only and should not be interpreted as personalized investment recommendations.

Risk Assessment: Evaluate Your Tolerance

Extended Risk Assessment Questionnaire

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