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CONSENT TO ELECTRONIC DELIVERY & TERMS AND CONDITIONS OF USE

The allocations provided are based on generally accepted investment principles.
There's no guarantee, however, that any particular asset allocation or
combination of investments will meet your objectives. All investments involve
risks, and fluctuations in the financial markets and other factors may cause the
value of your account to decline. You should consider all of your options
carefully before investing. The investor questionnaire is provided to you free
of charge. It doesn't provide comprehensive investment or financial advice.
Vanguard isn't responsible for reviewing your financial situation or updating
the suggestions contained herein.

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START YOUR INVESTING JOURNEY

Our quiz can help you find a path that best fits your needs.

Start the quiz

The Investor Questionnaire suggests an asset allocation based on information you
enter about your investment objectives and experience, time horizon, risk
tolerance, and financial situation. Your asset allocation is how your portfolio
is divided among stocks, bonds, and short-term reserves. As your financial
circumstances or goals change, it may be helpful to complete the questionnaire
again and reallocate the investments in your portfolio.

Before you begin, please review the questionnaire's assumptions and
limitations and accept our terms and conditions by choosing Start the quiz.


LIMITATIONS

CAVEATS ON THE INVESTOR QUESTIONNAIRE'S ABILITY TO PROVIDE FINANCIAL FORECASTS

The asset allocation we suggest for you depends on your assessment of subjective
factors, such as your risk tolerance and financial situation. The suggested
allocation is limited to 3 broad classes of investments: stocks, bonds, and
short-term reserves (such as money market accounts and certificates of deposit).
They don't include other assets, such as real estate, personal property, or
precious metals.

You should view the suggested asset allocation only as a general guideline for
how you might consider investing your savings. It doesn't provide comprehensive
investment advice—such as advice on buying a specific stock or bond mutual fund
or ETF (exchange-traded fund)—and shouldn't be considered the sole or primary
basis on which you make investment decisions.

It's important to carefully review the historical returns of various
combinations of stocks, bonds, and short-term reserves over various holding
periods to see if you can accept the level of risk in a given investment mix.

See how 9 model portfolios have performed in the past

Any modifications to your current mix of investments can be made gradually to
lessen the impact of significant market changes and potential tax implications.

Finally, over time, your answers to these questions may change based on your
experience and changing goals. The investor questionnaire doesn't provide
comprehensive investment advice. We therefore recommend that you return to the
questionnaire as needed to ensure that your asset allocation continues to meet
your evolving needs. You may wish to consult a professional investment advisor,
accountant, attorney, or broker before making or changing an investment, now or
in the future.


ASSUMPTIONS

The investor questionnaire suggests 1 of 9 asset allocations based on your
answers to the questions. Investment returns for the asset allocations are based
on the following benchmark indexes:

Asset class Benchmark index Stocks Standard & Poor’s 500 Index* Bonds Barclays
U.X. Long Credit Aa Index** Short-term reserves FTSE 3-Month U.S. Treasury Bill
Index***

 

 

Source: The Vanguard Group.

Keep in mind that the suggested allocation is based on limited information. You
should conduct additional research or consult a professional advisor for more
detailed recommendations.

*For U.S. stock market returns, we use the Standard & Poor’s 90 Index from 1926
to March 3, 1957 and the Standard & Poor's 500 Index thereafter.

**For U.S. bond market returns, we use the Standard & Poor’s High Grade
Corporate Index from 1926 to 1968; the Salomon High Grade Index from 1969 to
1972 and the Barclays U.S. Long Credit Aa Index thereafter.

***For U.S. short-term reserves, we use the Ibbotson U.S. 30-Day Treasury Bill
Index from 1926 to 1977 and the FTSE 3-Month U.S. Treasury Bill Index
thereafter.

Past performance is not a guarantee or prediction of future results.





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