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Frequently Asked Questions

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I didn't receive or I've lost my trial Username and Password.
You should have received your Username and Password in an e-mail from "FinaMetrica - MyRiskTolerance". If you didn't see the e-mail, please check your "junk" mail folder as your mail filter may have treated our e-mail as "junk" or "spam". Alternatively, you may have accidentally deleted our e-mail or you may have entered an incorrect e-mail address when you registered or it may just be lost in the www. Please contact us to have your login details resent to you.
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Can I see a sample of the FinaMetrica questionnaire and report?
Sample questionnaire and report can be view and downloaded from here.
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I made a mistake answering a question.
One such mistake will not affect the risk tolerance score by more than a couple of points. The mistake should be noted and the score can be used as it stands. If there are multiple mistakes, the questionnaire should be done again.

You may remember a note at the end of the risk questionnaire which said "You may wish to review your answers before they are recorded in the system. Once recorded they cannot be changed. This is done to ensure the integrity of the data. If, later, you wish to change one or more answers, you can only do so by re-doing the whole questionnaire. You can review your answers by scrolling through the questionnaire. Now is the best time to correct any mistakes or ommissions."
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How do I access my completed risk tolerance questionnaire and report?
You should have received an e-mail from FinaMetrica - MyRiskTolerance. It will contain your Username and Password. To access your completed questionnaire and report online, simply go to www.finametrica.com and logon using the Username and Password.
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Why are 25 questions needed?
25 questions give the highest possible meaningful level of accuracy. A person's answer to a specific question may be influenced by a particular experience they have had, or their mood at the time. Or they may have misinterpreted the question. Or they may simply have made a mistake.

Statistical studies are used to determine the number of questions needed to provide a scientifically acceptable level of accuracy in an assessment. The accuracy of a questionnaire is a function, in part, of the square of the number of questions. Because of the nature of risk tolerance more than just a few questions are needed. Statistical studies of FinaMetrica questionnaire show that its accuracy exceeds internationally accepted standards.
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What if the situation described in a question has never happened to me, or will never happen to me?
There are a number of questions that ask you to assume or imagine you are in a certain situation. These questions are designed to gain a picture of what you would do in such circumstances, regardless of whether you have ever been in them or are ever likely to be in them. Please answer as best you can on the available information.
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What if, in real life, I would have (or would seek) more information about the situation?
Some questions require you to make a decision based on limited information. While, in real life, you may wish to obtain more information before making your final decision, these questions are designed to gain an idea of what you would do given the limited information. Please answer as best you can on the available information.
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What if none of the choices is my preferred answer?
Some questions give you a limited choice of responses and may not include what would be your preferred answer. These are designed to obtain a picture of what you would do given the choices available. Please answer as best you can on the available choices.
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What makes a "good" risk tolerance test?
A good risk tolerance test will be relatively easy to understand and answer. It must also have been developed on sound scientific principles in order to ensure the validity and reliability of its results. The starting point is a pool of potential questions. The trialing process these must go through will identify which questions work (statistically) and which do not. The questions that are effective in a questionnaire are not necessarily those most suitable for an interview.

The Risk Profile report produced from a completed questionnaire provides details of the development of the FinaMetrica system.
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Do couples complete one questionnaire or a separate one each?
It is common for couples to have different risk tolerances - sometimes significantly different. In most cases, they will know which is the more risk tolerant of the two but usually not the magnitude or detail of the difference.

We recommend that couples each complete a separate questionnaire so that the differences can be identified more precisely. Armed with this knowledge, a couple is far better placed to decide how to manage the difference.
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What are the italic texts under 'Your Risk Group' in my client's report used for?
Each risk group has a six-part description summarising how those in that group typically answer the risk tolerance questionnaire. Where an answer of your client's differed from the answer(s) typically given by the group, it is shown in italics below the relevant section of the group description.

Usually, there are three to five such differences reported. People in a risk group are similar but not clones of one another. People at the edges of groups tend to have more differences than those in the middle. However, there may be no differences (because all your client's answers were typical for your group) or there may be many.

The number of differences is an indication of how consistent your client is about financial matters. Some of us are more consistent than others. Being inconsistent is simply human rather than good or bad ... but it is something your client should know.
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Do you on-sell my data?
FinaMetrica does not on sell any client data. We do perform internal and external research on the risk tolerance data, but this is done on an aggregate and anonymous level (all personal details, such as name and e-mail address are stripped beforehand). For more information regarding our data collection process, please read our privacy policy.
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The date completed shown on the report is different to the date my client completes the questionnaire.
The system records the Greenwich Mean Time (GMT) when the questionnaire was completed. Hence, at times there may be discrepancy in the date recorded and the date your client completes the questionnaire.
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Why seven Risk Groups?
The FinaMetrica risk profiling system measures risk tolerance on a scale of 0 to 100. Scores are Normally distributed with a Mean of 50 and a Standard Deviation of 10.

To make the scores and reports more meaningful, the scale has been divided into seven segments. The middle segment is the Mean plus or minus half a Standard Deviation, i.e. from 45 to 54. Segments either side are then a Standard Deviation higher or lower, with the end segments covering the balance of the high and low ‘tails’ of the distribution.

Seven segments are needed to provide sufficient differentiation between people at different points on the scale, particularly for those with extremely low or extremely high risk tolerance. Three Standard Deviations either side of a mean describes the vast majority of the population. This leads to seven segments. Each of the segments is referred to as a Risk Group.

Each Risk Group description has been developed by analysing how those whose scores fall into a particular group typically answer the questionnaire. Fifteen of the twenty five questions have been considered in the analysis. These questions were selected on the basis of their utility in providing a general understanding of the Risk Groups.
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