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Financial security should be among your top concerns. However, how much do you know about your financial planning needs? Our quiz will help you find out.

Quiz Question One

Do you know how much of your income, should be invested each year for long-term goals?

               Yes                  No

Answer: There is no simple rule of thumb regarding this question. Work with a financial planner to establish a goal. Then you can set a correct amount to meet the goal.

Quiz Question Two

Do you take full advantage of tax-deferred investments, such as IRA's and Keogh accounts?

               Yes                  No

Answer: Use all the tax-deferred investments available to you. If you are not eligible for a 401(k), set up a simplified employee pension (SEP-IRA), which will allow you to put away 13.024 percent of your net annual income in a tax-sheltered account. If you want to save more, a Keogh will allow more options. Profit sharing plans lets you contribute up to 15%. Further, another form of Keogh, the money purchase plan allows you to put an additional 10 percent!

Quiz Question Three

Do you have an emergency fund to avoid dipping into your investments?

               Yes                  No

Answer: Financial planners recommend that you have enough cash available to cover three months of expenses in case of emergency.

Quiz Question Four

Do you pay off your credit card bills each month to avoid paying high interest?

               Yes                  No

Answer: If you overextend yourself on credit cards, it can be difficult to pay them off. Try not to purchase anything without giving it thought as to whether it is worth the cost plus the high interest.

Quiz Question Five

Do you balance your investments among stocks, bonds, real estate, and money market funds?

               Yes                  No

Answer: A rule of thumb suggests that the percentage of assets in bond type investments should equal your age. Real Estate is a growth asset!

Quiz Question Six

Do you consult a financial planner when a major event such as a new child changes your financial picture?

               Yes                  No

Answer: Personal objectives drive financial planning. Re-evaluate, should these change.

Quiz Question Seven

Do you know how much of your investment portfolio should be in stocks?

               Yes                  No

Answer: Only long-term investment dollars should be in stocks and stock mutual funds.

Quiz Question Eight

Do you know how to apportion your assets among savings, investments, and life insurance?

Answer: Risk management, such as life insurance always comes first.

SCORING: Add the number of yes answers. If yours total 6-8, you are in great shape! 3-5, you may need a more strenuous fitness program. 0-2, call a financial planner soon.

Contact Lowell Overton:
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Information provided by this website is general and is not a substitute for professional advice. Please consult your investment advisor and/or attorney before entering into any transaction.

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