Financial Calculators

Investor Profile Questionnaire

No two investors are alike.Your financial goals, current financial situation, and investment experience all help determine the mix of assets that’s right for you. In particular, the number of years until retirement, your income and savings patterns, and your attitude towards risk are key elements in customizing your portfolio. Once you define these factors, you can start on the path to developing an effective retirement savings program. This Investor Profile Questionnaire is designed to help you outline your investment objectives and your investment personality. Remember that there is no such thing as a right or wrong answer.

Glossary of terms

1. When will you need access to all or a portion of your retirement portfolio?

Indicate the period of time before you will begin drawing on your retirement assets. The longer you have until retirement the more volatility you will likely be able to endure. It is important to review this questionnaire regularly as your time to retirement will change as will your risk tolerance.

2. What is your major goal for this portfolio?

Select which goal suits you best but remember that potential risk can be correlated to potential return. As your goals will change over time, remember to revisit this questionnaire regularly.

3. How old are you?

Select your current age range. The younger you are, the less likely you need this money any time soon. This allows you to invest more aggressively. As you get older your approach to investing generally becomes more conservative. As you age, remember to revisit this questionnaire regularly.

4. What is your estimated net worth?

Select the range that fits your situation. Generally, the higher your net worth the more risk you are able to take on. As your net worth will change over time, remember to revisit this questionnaire regularly.

5. How would you rate your family's overall financial situation?

Select the statement that best suits your situation. The more financially secure you are, generally the more risk you can take on. As your situation will change over time, remember to revisit this questionnaire regularly.

6. What additional sources of retirement income do you anticipate receiving?

Select all applicable income types. The more additional income you will have in retirement, the more risk you can generally take on. As this may change over time, remember to revisit this questionnaire regularly.

7. How would you rate your overall investment knowledge?

Select the statement that best describes your knowledge level about investments and the financial markets. The more knowledgeable you are with investments, generally the more risk you are able to take on. As your investment knowledge may change over time, remember to revisit this questionnaire regularly.

8. What is the maximum temporary decline in your portfolio's value that you could tolerate over a one-year period?

Select the range that suits your situation. Higher portfolio volatility equates to higher risk levels. How much of your savings could you tolerate losing in one year? Your ability to accept this type of volatility will change over time so remember to revisit this questionnaire regularly.

9. Which portfolio would you prefer to invest in?

Review the graph associated with this question and choose a hypothetical portfolio. Notice that the bars indicate potential higher negative and positive returns in any one year. Higher portfolio volatility equates to higher risk levels. Your ability to accept this type of volatility will change over time so remember to revisit this questionnaire regularly.

10. Which of the following hypothetical portfolios would you feel most comfortable with?

Review the graph associated with this question and choose a hypothetical portfolio. Notice that the lines indicate potential negative and positive returns in any one year. Higher portfolio volatility equates to higher risk levels. Your ability to accept this type of volatility will change over time so remember to revisit this questionnaire regularly.

11. Realizing that there will be occasional ups and downs in the stock market, how long a recovery period could you tolerate until your portfolio regained its value?

Select the time period that suits you. The longer the recovery period you are willing to accept the more risk you are also willing to accept. As your acceptable recovery period will change over time, remember to revisit this questionnaire regularly.

 

The Investor Profile Questionnaire is designed to assist you in identifying the type of investor you are and is not intended to take the place of professional advice. The suggested asset allocations contained herein depend on subjective factors such as your risk tolerance and financial situation. For this reason, you should view them only as general guidelines as to how you might consider investing your retirement savings. On a regular basis, consider discussing your financial future with a qualified professional advisor. The investment returns represented in the questionnaire are based on historic returns and are not intended to indicate future performance. It is important to review historic returns of short-term investments, bonds, and stocks carefully over various holding periods to see if you can accept the level of risk in a given investment mix.

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Aug 27, 2019

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