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 - percentage of investments in your portfolio
| 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 - percentage of investments in your portfolio
| 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 - percentage of investments in your portfolio
| 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 - percentage of investments in your portfolio
| 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 - percentage of investments in your portfolio
| 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 - percentage of investments in your portfolio
| Equity |
100%
|