Risk Tolerance Questionnaire

As you develop your college savings investment plan and strategy, one important consideration is your risk tolerance. How you allocate your money between stocks, bonds, and short-term investments should be based on your comfort level with the volatility or price swings of your portfolio, as it compares to the longer-term return potential. Some investors are comfortable with wide market swings, and others prefer less fluctuation with a generally lower return potential.

So are you aggressive, conservative, or somewhere in between? Answer eight simple questions to help you understand where you fall on the risk spectrum.

This Investor Questionnaire provides asset allocation suggestions based on the information you enter. There is no guarantee that any particular investment or asset allocation will meet your investment objectives. The suggested asset allocations should be viewed as broad guidelines and should not be considered the primary basis for your investment decisions. For more detailed and comprehensive planning please consult your own professional advisor.

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  The Bright Start Direct-Sold College Savings Program is sponsored by the State of Illinois and administered by the Illinois State Treasurer, as Trustee. Union Bank and Trust Company serves as Program Manager. Balances in your Bright Start account are not guaranteed or insured by Bright Start, the State of Illinois, the Illinois State Treasurer, any other state or federal agency, Union Bank and Trust Company or any of its affiliates, the Federal Deposit Insurance Corporation (except as provided in the Program Disclosure Statement solely with respect to the FDIC-insured Bank Savings Underlying Investment), or any other entity.

  An investor should consider the investment objectives, risks, and charges and expenses before investing. This and other important information is contained in the Bright Start Direct-Sold College Savings Program Disclosure Statement, which can be obtained at BrightStart.com and should be read carefully before investing. You can lose money by investing in a portfolio. Each of the portfolios involves investment risks, which are described in the Program Disclosure Statement.

  Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s 529 plan.

  NOT FDIC INSURED* NO BANK GUARANTEE MAY LOSE VALUE

  *Except the Bank Savings Underlying Investment