Risk Tolerance Survey

For more than 35 years, T.E. Wealth, an affiliate of JovFunds Management Inc., has provided individuals, families, businesses, and employees with truly objective financial advice and education. T.E. Wealth seeks to achieve individual success for clients by identifying and understanding their client’s risk tolerance. As part of their process, T.E. Wealth has created this survey to help advisors match their clients risk tolerance to investments best suited to meet their needs. Your answers to the questionnaire will enable your advisor to identify your personal investment preferences and circumstances in order to recommend the right Fund for you. The number selected equals the score for each question.

HOW MUCH INCOME DO YOU REQUIRE FROM YOUR INVESTMENT PORTFOLIO?
0. Greater than 8%
2. 8%
4. 6%
5. 4%
7. 2%
9. None

WHAT IS YOUR PRINCIPAL SOURCE OF INCOME?
0. Self Employed / investment portfolio
1. Pension / Other
2. Employment

HOW DOES YOUR ANNUAL INCOME RELATE TO YOUR ANNUAL EXPENSES?
0. Income is less than Expenses - Difference to be made up from portfolio income
7. Income approximately equal to expenses
9. Income comfortably exceeds expenses

WHAT IS YOUR INVESTMENT TIME HORIZON?
0. Less than 5 Years
5. 5-10 Years
9. More than 10 Years

ARE THERE ANY SHORT TERM MILESTONES WHICH WOULD REQUIRE A REASSESSMENT OF THE INVESTMENT POLICY (E.G. RETIREMENT, PURCHASE OF BUSINESS, HOUSE, COTTAGE ETC)?
0. Within 1 Year
2. 2 Years
4. 3 Years
5. 4 Years
7. 5 Years
9. None

WHAT IS YOUR MOST IMPORTANT OBJECTIVE?
3. Capital Preservation
7. Tax efficient cash flow generation

WHAT IS YOUR DESIRED LONG TERM RATE OF RETURN IN YOUR ENTIRE INVESTMENT PORTFOLIO?
0. 5%
2. 6%
5. 7%
7. 8%
9. 9% and over

IN PAST EQUITY MARKET DECLINES:
0. Did you sell your stocks and have not bought since
2. Were you concenered, but held your stocks
3. Did you not worry
5. Did you purchase more equities

WHAT PERCENTAGE OF YOUR CURRENT PORTFOLIO IS IN EQUITIES?
0. Less than 25%
2. 25-50%
3. 50-75%
5. Greater than 75%

DO YOU HAVE ANY SIGNIFICANT SHORT TERM CASH REQUIREMENTS WITHIN 5 YEARS (PERCENTAGE OF PORTFOLIO VALUE)?
0. More than 20%
1. 15-20%
2. 10-15%
3. 5-10%
5. Less than 5%

HOW WOULD YOU DESCRIBE YOUR KNOWLEDGE OF STOCK AND COMMODITIES MARKETS AND INVESTMENTS?
0. Very Limited
1. Limited
3. Average
5. Sophisticated

IN RESPECT TO YOUR ENTIRE INVESTMENT PORTFOLIO, HOW WOULD YOU CLASSIFY YOUR TOLERANCE TO RISK? CHOOSE THE ANSWER YOU ARE MOST COMFORTABLE WITH.
5. Long term return = 5%, downside risk in any given year = -1%, 2% probability of having a negative portfolio return in any given year
8. Long term return = 6%, downside risk in any given year = -6%, 13% probability of having a negative portfolio return in any given year
11. Long term return = 7%, downside risk in any given year = -12%, 17% probability of having a negative portfolio return in any given year
13. Long term return = 8%, downside risk in any given year = -17%, 17% probability of having a negative portfolio return in any given year

HOW LONG HAVE YOU BEEN INVESTED IN EQUITIES?
0. Less than 4 Years
2. 5-10 years
5. Greater than 10 Years


Please complete all survey questions!





Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund, alternative investment, and structured product investments. Please read the prospectus, offering memorandum, or information statement (as applicable) before investing. Mutual funds, alternative investments, exchange traded funds, and structured products are not guaranteed (except for such products as Principal Protected Notes, which carry a Principal guarantee), their values change frequently and past performance may not be repeated.