Asset Allocation Worksheet

Answer the questions below by clicking the button that you feel best fits for your own situation. When you're finished, click submit and a suggested asset allocation will be generated. Use this information to work with your advisor and determine what kind of asset allocation might be right for you.1


What is your age?

What are your investment objectives? Check all that apply.

Other (list):

In which of these financial vehicles have you invested money? Check all that apply.

Other (list):

Note: Your answers in THE ABOVE section are not scored, but are to be used by you and your financial advisor to determine your general investment goals and objectives.


1. When do you expect to begin withdrawing money from your investments?

Less than 1 year

1-3 years

4-6 years

7-10 years

More than 10 years

2. For how many years will you be making the withdrawals?

I plan to take a lump sum distribution

1-3 years

4-6 years

7-10 years

More than 10 years


3. Which of the following portfolio mixes best reflects your investment comfort level?

Chance of short-term declines: high.
        Opportunity for portfolio growth: significantly exceeding inflation.

Chance of short-term declines: moderate.
        Opportunity for portfolio growth: moderately exceeding inflation.

Chance of short-term declines: low.
        Opportunity for portfolio growth: slightly exceeding inflation.

Chance of short-term declines: very low.
        Opportunity for portfolio growth: just keeping pace with inflation.

4. Do you agree or disagree with the following statement.

"I am willing to lose larger sums of money in the short term if I can enjoy potentially higher returns in the long term."

Strongly agree



Strongly disagree

5. Generally, investments with the highest potential for gains carry the greatest risk of loss. The table below displays four scenarios for best and worst outcomes of $100,000 invested in four hypothetical portfolios over a five-year period. With which portfolio are you most comfortable?

Possible Outcomes: $100,000 Invested for 5 Years

Portfolio 1 WorstCase :$ 90,000 BestCase: $300,000

Portfolio 2 WorstCase :$ 95,000 BestCase: $250,000

Portfolio 3 WorstCase :$ 100,000 BestCase: $200,000

Portfolio 4 WorstCase :$ 110,000 BestCase: $150,000

6. What is your investment priority—increasing returns, reducing risk or a combination of both?

Increasing returns

Primarily increasing returns while also reducing risk

Primarily reducing risk while also increasing returns

Reducing risk

7. The graph below shows the quarterly returns of a hypothetical investment over time. The returns shown do not reflect the returns of any mutual fund investment. If you owned this investment (given its historical and current returns) what action would you take today?

Sell all of the investment immediately and cut my losses

Sell some of the investment to reduce exposure to further loss

Continue to hold the investment with the expectation of higher returns
Hypothetical Performance

8. With which investments are you most comfortable?

Highest potential long-term return with larger and more frequent interim losses

Moderate potential long-term return with modest and frequent interim losses

Lowest potential long-term return with smaller and less frequent interim losses

9. The graph below provides "best and worst case" values for a $100,000 investment in three hypothetical portfolios over a one-year period. The returns shown do not reflect the returns of any mutual fund investment. With which portfolio (and potential for loss and growth) are you most comfortable?

Portfolio 1

Portfolio 2

Portfolio 3
Hypothetical Performance

10. You've invested $100,000 in a portfolio that is expected to have high long-term returns and high short-term risks. The portfolio's value grows to $120,000 in the first year. If your portfolio lost all of its previous gains and some principal in the next month, how would you react?

I would not be concerned and would maintain the investment, knowing there continues to be potential for higher long-term returns.

I would be somewhat concerned and would shift to a slightly more conservative portfolio.

I would be very concerned and would shift to a much more conservative portfolio in an attempt to avoid further short-term losses.

11. Which of the following investment has the characteristics you favor most?

Best chance of meeting long-term goals. Might have losses about one out of every three years.

Good chance of meeting long-term goals. Might have losses about one out of every four years.

Least chance of meeting long-term goals. Might have losses about one out of every 10 years.

Please note that your advisor may use his or her own asset allocation models for your personal financial situation. Be sure to consult with your advisor before making any investment selections on your own.


Hypothetical portfolio results do not depict or predict the results for any particular investment vehicle.

Note: These asset allocation models are not appropriate for investors with a time horizon of less than one year. Investors with such a time horizon should work with their financial advisor to develop and investment strategy to meet their needs. These sample portfolios are not intended to represent investment advice that is appropriate for all investors. Each investor's portfolio must be constructed based on the individual's financial resources, investment goals, risk tolerance, investing time horizon, tax situation and other relevant factors. The categorization of sample portfolios as "conservative," "moderate" and "equity" is relative. OppenheimerFunds does not recommend any specific asset allocations.