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adviceDirect Portfolio Health Check

Looking for a check-up on your portfolio? The adviceDirect Portfolio Health Check is a light-weight tool that gives you a quick look at how your portfolio measures up. It compares the investments you submit against the profile you select, then checks the results across our four key indicators – asset allocation, security ratings, risk and diversification. It’s a simple and easy way to get a pulse on your portfolio’s health.

  1. Select the investor profile that matches you best.
  2. Enter your investments and holdings.
  3. Review your Health Check summary.

Please note: adviceDirect Portfolio Health Check will give you general information and is not intended to provide investment, accounting or tax advice.

1. Choose the investor personality that matches you best

Please select an investor profile to continue

2. Enter your holdings and investments

Now that we know your investment profile, let’s learn more about your portfolio.

Cash and fixed income

Equities

Search for equities (e.g. ETFs, stocks and mutual funds) you currently hold in your portfolio.
If your portfolio doesn’t have any holdings, you can continue to the next step.

Table displaying details for each ETF, holding or mutual fund you enter
Symbol / Company Name Quantity Price Exchange Value

3. Thank you! Your Portfolio Health Check is ready

Based on the investor profile you chose and holdings you submitted, your portfolio is compared across four key categories: asset allocation, security ratings, risk and diversification.

Please note: adviceDirect Portfolio Health Check will give you general information and is not intended to provide investment, accounting or tax advice.

Your investor file:
Your assets:
  • Your equity

    It’s a match: Based on your selected profile, equity allocation is between and . Your portfolio is at .
    Not a match: Based on your selected profile, equity allocation is between and . Your portfolio is at .
    Tip: Asset allocation is one of the most important ways to manage your portfolio’s risk.

    Your fixed income

    It’s a match: Based on your selected profile, fixed income allocation is between and . Your portfolio is at .
    Not a match: Based on your selected profile, fixed income allocation is between and . Your portfolio is at .
    Tip: The right mix of equities and fixed income helps keep your portfolio optimal for you.

    What is asset allocation?

    Your portfolio is made up of equities (generally higher growth potential, higher risk) and fixed income (generally lower growth potential, lower risk) holdings. Asset allocation measures your mix of equities and fixed income investments against your profile preferences.

    Get automatic monitoring

    adviceDirect actively monitors your portfolio, making sure your mix of equities and fixed income holdings matches your investor profile.
  • Single holdings

    It’s a match: Based on your selected profile, the single-holding concentration limit is . Your portfolio has a single security concentration at .
    Not a match: Based on your selected profile, the single-holding concentration limit is . Your portfolio has a single security concentration at .
    Tip: Having too large of a position in a single stock or holding might expose your portfolio to more risk.

    Sectors

    It’s a match: Based on your selected profile, the single-sector concentration limit is . Your portfolio has a single security concentration at .
    Not a match: Based on your selected profile, the single-sector concentration limit is . Your portfolio has a single security concentration at .
    Tip: Diversifying your portfolio’s sectors can help manage your exposure to risk.

    What’s diversification?

    Diversification describes how spread out your portfolio is across different securities and sectors – it’s measured by analyzing your portfolio’s total security holdings and its concentration in any one security or sector. A diversified portfolio helps manage risk and promotes growth.

    Find the right diversification

    Monitor your diversification on-the-go with adviceDirect and help improve your portfolio’s growth.
  • It’s a match: The assets you entered have security ratings that match your chosen profile.
    Not a match: You can contact an adviceDirect advisor to learn how adviceDirect can help you with specific security ratings.
    Tip: Staying on top of your security ratings can help keep your portfolio healthy.

    How are security ratings determined?

    Securities are constantly monitored by the adviceDirect platform and are assigned a numerical rating from 1 to 100, helping you understand whether to buy, sell or hold.

    Keep track of your security ratings

    With adviceDirect, you get buy, sell and hold ratings, based on a system which analyzes 24 fundamental aspects when determining a company’s value. Plus, you get access to independent research that rates over 6,000 North American securities.
  • It’s a match: Based on your selected profile, the threshold for value of high risk investments is of your overall portfolio. Your portfolio has of its value in high risk investments.
    Not a match: Based on your selected profile, the threshold for value of high risk investments is of your overall portfolio. Your portfolio has of its value in high risk investments.
    Based on the investor profile you selected, you can freely choose your level of high-risk investments.
    Tip: Managing your high-risk securities can help limit the chances of large negative price swings in your portfolio.

    How does risk work?

    BMO uses a propriety system to assess the risk level of all securities, and considers factors such as security type, liquidity, volatility and standard deviation. It can be a tricky concept, but adviceDirect makes it easy: Any security you own that is considered “high risk” will be monitored. You’ll see how much you own and you’ll get specific feedback for how to reduce your risk if you’ve invested past your limit.

    Manage your risk

    adviceDirect offers you updated risk ratings for all your securities, giving you a clearer picture of your portfolio’s health.

Unlock your portfolio’s full potential

Thanks for using the adviceDirect Portfolio Health Check tool. Want even more insights into your portfolio? Sign up for adviceDirect to get an in-depth look at how your investment choices can help you reach your goals.

Here’s what you’re missing:

  • Tailored stock/ETF/mutual fund purchase recommendations based on your unique investor profile, investing timelines and financial goals
  • 24/7 portfolio monitoring, meaning you’ll have every opportunity to improve your performance
  • Detailed reports on identified problem areas, including what (and how much) to sell
  • On-demand advisor support to help you every step of the way, from portfolio reviews to investment strategies

Ready to start investing with adviceDirect?

Get your portfolio headed in the right direction.

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This tool is prepared as a general source of information and is not intended to provide investment, accounting or tax advice, and should not be relied upon in that regard. Information contained in this tool does not constitute and shall not be deemed to constitute advice, an offer to sell/ purchase or as an invitation or solicitation to do so for any entity. Please consult with a professional advisor to discuss your specific financial and tax needs.

You may contact a BMO adviceDirect at 1-888-776-6886 to learn more about adviceDirect.

An adviceDirect account is a non-discretionary, fee based account which offers investment recommendations. adviceDirect does not provide portfolio management by a portfolio manager. The client makes their own investment decisions and manages their own investment portfolio. adviceDirect does not offer discretionary, managed accounts.

BMO InvestorLine Inc. is a member of BMO Financial Group. ®Registered trade-mark of Bank of Montreal, used under licence. BMO InvestorLine Inc. is a wholly owned subsidiary of Bank of Montreal. Member - Canadian Investor Protection Fund and Member of the Investment Industry Regulatory Organization of Canada.