401(k) Advisor
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Answer 11 questions to compute the score
Rate each item from 1 to 10 based on the participant's responses. Questions are grouped into four categories.
Time Horizon & Goals25% weight
How long you plan to invest and what you want to achieve
Investment Time Horizon5
How many years until you plan to begin withdrawing from this account?
1 — Less than 5 years10 — 20+ years
Primary Goal5
What matters most to you: protecting what you have, or growing it as much as possible?
1 — Protect principal10 — Maximize growth
Risk Tolerance35% weight
How you feel about market ups and downs
Reaction to Market Decline5
If your portfolio dropped 20% in a single quarter, what would you do?
1 — Sell everything10 — Buy more
Comfort with Volatility5
How comfortable are you seeing your balance swing up and down from month to month?
1 — Very uncomfortable10 — Very comfortable
Patience During Downturns5
If your investments lost value for 12+ months, how long would you hold before changing strategy?
1 — Change immediately10 — Hold indefinitely
Return vs. Safety Tradeoff5
Would you accept a chance of losing 15% in a bad year for the possibility of gaining 25% in a good year?
1 — No, prefer stability10 — Yes, accept the tradeoff
Financial Capacity25% weight
Your ability to absorb investment losses without impacting your lifestyle
Income Stability5
How stable and predictable is your current income?
1 — Variable/uncertain10 — Very stable
Emergency Savings5
Do you have savings outside this retirement account to cover 3-6 months of expenses?
1 — No emergency fund10 — Well-funded
Dependence on This Account5
How much will you depend on this 401(k) as your primary retirement income source?
1 — Primary source10 — One of many sources
Knowledge & Experience15% weight
Your familiarity with investing
Investing Experience5
How many years have you been investing in stocks, bonds, or mutual funds?
1 — None10 — 15+ years
Market Understanding5
How well do you understand how stock and bond markets work?
1 — Very little10 — Expert-level
Computed Risk Score
5.0
Moderate
Glide path: enter age
Balances growth and stability roughly equally. Comfortable with some market fluctuation for reasonable long-term returns.