Investment profiles
Your investment profile depends on your financial goals and risk tolerance. That’s why it’s unique to you. Connect with us to learn more.
Your investment profile helps identify which investments are right for you. It’s based on your financial goals and comfort around market risk. Here are some questions we may ask to understand your investment profile:
- Why do you want to invest? Do you want to buy a home, save for a child’s education, build your nest egg? Maybe it’s a mix of reasons?
- When will you need to access your money?
- How comfortable are you with market risk?
- What is your capacity to take on risk? The stability of your income, the value of your current assets and outstanding debt should all be considered.
The six investment profiles
Safety
This profile describes investors who:
- Want to preserve their capital
- Shield their portfolio from market fluctuations due to having a relatively short time to recover from financial losses
Recommended asset mix:
Money market funds and high interest savings accounts
Very conservative
This profile describes investors who:
- Value income more than growth
- Want some capital growth over the short term
- Need to have their funds accessible for retirement or other purchases
Recommended asset mix:
80% fixed income and 20% equities
Conservative
This profile describes investors who:
- Want some capital growth over the short term
- Are comfortable with some fluctuations in the value of their portfolio
- Need to have their funds accessible for retirement or other purchases
Recommended asset mix:
60% fixed income and 40% equities
Moderate
This profile describes investors who:
- Want a balance of income and growth
- Can tolerate moderate fluctuations in the value of their portfolio in exchange for potentially higher long-term returns
Recommended asset mix:
60% equities and 40% fixed income
Aggressive
This profile describes investors who:- Are growth-oriented but still want the cushioning effect of fixed-income securities
- Can tolerate substantial fluctuations in the value of their portfolio in exchange for potentially higher long-term returns
Recommended asset mix:
80% equities and 20% fixed income
Very aggressive
This profile describes investors who:
- Are growth-oriented
- Plan to hold their investments for 10 years or more
- Can withstand substantial fluctuations in the value of their portfolio in exchange for potentially higher long-term returns
Recommended asset mix:
100% equities
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In the province of Quebec, the authorized representatives are Financial Security Advisors who have been duly certified by the Autorité des marchés financiers.
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