Getting to know you

As part of our welcome process we'll get to know you as an investor. We will learn about your:

  • investment goals
  • investment experience
  • current financial situation
  • tolerance for risk
  • time horizon
  • need for income

Types of profiles

 

Based on information you provide us during the welcome process, we will match you to one of following four investor profiles.

Income Profile

Income Profile

 

"I'm looking for my investments to provide me with a steady stream of income. My main focus is on fixed income investments because they are a more secure option than other choices out there."

 

This profile is suited to the security-conscious investor with some preference for capital preservation and limited growth. The typical Income investor is someone who depends on their investments for income.

 

Emphasis is placed primarily on more secure asset types like cash, cash equivalents and fixed income investments, with only a limited exposure to higher yield equities. The Income investor may require cash from their investment account. They are uncomfortable with any significant fluctuation in their portfolio from year to year and are content with their portfolio keeping pace with inflation.

 

The target asset allocation for this profile is 26% equity and 74% fixed income. This investor's risk tolerance varies from low to medium and they are willing to accept up to 10% of their account in riskier assets.

Balanced Profile

Balanced Profile

 

"I'm seeking to generate some income from my investments but also want to achieve long-term growth for my portfolio. To balance both, I mostly invest in a mix of fixed income and growth-oriented investments such as equities."

 

This profile is suited to the moderate investor seeking both income and long-term growth.

 

The Balanced investor is seeking to balance risk and return. Emphasis is placed on achieving these objectives through a mix of fixed income and growth oriented investments. This investor may occasionally require cash from their investment account. They would like their portfolio to grow slightly faster than inflation and understand that the value of their portfolio may fluctuate and are comfortable with that.

 

The target asset allocation for this profile is 53% equity and 47% fixed income. The Balanced investor's risk tolerance is best described as medium and they are willing to accept up to 20% of their account in riskier assets.

Growth Profile

Growth Profile

 

"I have a long time horizon to grow my portfolio and don't need to withdraw cash from my account. I want my portfolio to grow faster than inflation. Because of this, I focus on equities and on investing in companies that exhibit signs of above-average growth."

 

This profile is suited to the patient investor. The Growth investor is seeking investments expected to grow at an above-average rate compared to its industry or the overall market.

 

Emphasis is placed primarily on equity investments designed to achieve growth over a longer time horizon. Less emphasis is placed on cash, cash equivalents and fixed income investments. Growth investors rarely require cash from their investment account. They would like their portfolio to grow faster than inflation and understand that the value of their portfolio may fluctuate somewhat and are comfortable with that.

 

The target asset allocation for this profile is 80% equity and 20% fixed income. The Growth investor's risk tolerance is best described as medium to high and they are willing to accept up to 30% of their account in riskier assets.

Growth Profile
Aggressive Profile

Aggressive Profile

 

"I have a high tolerance for risk and I want maximum returns for my investments. My strategy is all about capital appreciation and my focus is 100% on equities."

 

This profile is suited to the assertive investor. The Aggressive investor is attempting to achieve maximum returns by seeking investments that will grow at an above-average rate compared to its industry or the overall market and is willing to take on additional risk.

 

Emphasis is placed primarily on investing in higher risk equity investments to allow for the potential of higher long-term growth. They do not require cash from their investment account. These investors would like to have their portfolio grow much faster than inflation and understand that the value of their portfolio may fluctuate significantly and are comfortable with that.

 

The target asset allocation for this profile is 100% equity and 0% fixed income. The Aggressive investor's risk tolerance is best described as high and they are willing to accept up to 100% of their account in riskier securities.

Aggressive Profiling

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