What type of investor are you?
As a group retirement and savings plan member, you have various investments available in your plan. Your investment profile will help you identify which investments are right for you. The profile is based on your timeline for accessing your savings, investment knowledge and objectives, risk capacity (ability to take on risk) and risk attitude (desire to accept risk).
Remember, as time passes and life events occur, your profile can change. It’s important to review it regularly to ensure you remain properly 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| Investment Type | Percentage |
|---|---|
| Equity | 100% |