Now that you've taken our Investor Profile Test, the chart below will help you determine your "risk preference" and the category of Mutual Funds that might be right for you.

Print out the results and call, visit or Email our UVest Investment Services Department to set up a plan that meets your goals and risk tolerances.

Call us at 570-253-3355 or Toll Free at 800-HNB-9515
Visit us at 733 Main Street, Honesdale
(Or we'll meet with you by appointment at any convenient Branch)
Email us at: hnb@hnbbank.com

Here's A Basic Rule: To get higher returns, you must take higher risk. Some funds invest very conservatively, while others take more risk in pursuit of higher gains. So, to choose the fund that matches your goals, you'll need to consider how much risk you can afford.

INVESTOR PROFILE CHART

If Your Test Score is...

Under 12 Points: Very Conservative Profile
You may want to consider meeting your goals with
Money Market Funds
Tax-Exempt Money Market Funds

12 to 26 Points: Conservative Profile
You may want to consider meeting your goals with
Government Bond Funds
High-Grade Corporate Bond Funds
High-Grade Tax Exempt Bond Funds

27 to 42 Points: Moderate Profile
You may want to consider meeting your goals with
High-Yield Corporate Bond Funds
High-Yield Tax Exempt Bond Funds
Income Funds
Balanced Funds
Growth-and-Income Funds

43 to 50 Points: Aggressive Profile
You may want to consider meeting your goals with
Growth Funds

Over 50 Points: Very Aggressive Profile
You may want to consider meeting your goals with
Aggressive Growth Funds

This chart is for your information only. Your total score does not recommend a particular mutual fund, nor does it guarantee that any mutual fund will achieve its investment objective. Mutual funds are not deposits and are not insured or guaranteed by the FDIC, or any other government agency. An investment in mutual funds involves investment risks including the possible loss of the principal amount invested. Always ask for a prospectus and read it carefully before you invest in any mutual fund.