What’s your investment profile?

From your personal reasons for saving to your general time horizon, there’s a lot to think about before you invest. As a starting point, it’s important to understand the following:

  • your investment objectives
  • your timeline for accessing the funds
  • your risk attitude (desire to accept risk)
  • your risk capacity (ability to take on risk)

These elements combine to create your profile, which can then be used as a foundation for developing a strategy that is uniquely yours. But, don’t forget: as life events occur, your profile can change. It’s important to regularly review your profile to ensure you remain appropriately invested.

Investment profiles

Safety

Your primary objective is preservation of capital, and/or you have a relatively short period of time to allow your investments to recover from any negative years.

Safety Investment Type: Fixed Income Percentage: 100%
Safety - percentage of investments in your portfolio
Investment Type Percentage
Fixed Income 100%

Very Conservative

You value income more than growth. You have a shorter time period for these investments to grow and want to be sure they are available for your retirement or other purchases.

Very Conservative 80% Fixed Income 20% Equity
Very Conservative - percentage of investments in your portfolio
Investment Type Percentage
Fixed Income 80%
Equity 20%

Conservative

You are comfortable with some market fluctuations in the year-to-year value of your portfolio, but have a shorter time period for these investments to grow and want to be sure they are available for your retirement or other purchases.

> Conservative 60% Fixed Income 40% Equity
Conservative - percentage of investments in your portfolio
Investment Type Percentage
Fixed Income 60%
Equity 40%

Moderate

You are seeking a balance of income and growth and can accept moderate fluctuations in the value of your portfolio, in exchange for potentially higher long-term returns.

Moderate 40% Fixed Income 60% Equity
Moderate - percentage of investments in your portfolio
Investment Type Percentage
Fixed Income 40%
Equity 60%

Aggressive

You are able to withstand substantial year-to-year fluctuations in the value of your portfolios, in exchange for potentially higher long-term returns. Or you are a growth-oriented investor that seeks the ‘cushioning’ effects from a mix containing some fixed income securities.

Aggressive 20% Fixed Income 80% Equity
Aggressive - percentage of investments in your portfolio
Investment Type Percentage
Fixed Income 20%
Equity 80%

Very Aggressive

You are a knowledgeable, growth-oriented investor looking to diversify across management styles. You are comfortable with a high degree of risk and able to withstand substantial year-to-year fluctuations in the value of your portfolio, in exchange for potentially higher long-term returns.

Very Aggressive 100% Equity
Very Aggressive - percentage of investments in your portfolio
Investment Type Percentage
Equity 100%