Investment Planning Workbook
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1 Investment Planning Workbook Whether you are new to investing or a seasoned investor checking in with your investment plan, it s important to set clear goals, choose the right advisor, and keep your plan up to date as your life changes. Getting started This workbook won t tell you which investments are right for you, but it will help you work through information that is important to your overall investment strategy. Fill it out honestly, discuss it with your financial advisor in detail, and update it annually (or after a big life event, like marriage, a new job, or an inheritance). Your financial advisor will need to know details about you and your financial situation. The information you share will allow them to give you sound advice, and to satisfy regulatory obligations to know their client. The quality of the advice you receive will depend on how well your advisor and you understand your goals, your financial circumstances and your risk tolerance. So it s important to be open and honest in these discussions. Keep a copy of this form for future reference, and ask your financial advisor for a copy of any other forms (like new account application forms) used to assess your investment needs and objectives. Contact us Financial and Consumer Services Commission Toll Free: Facsimile: info@fcnb.ca 85 Charlotte Street, Suite 300 Saint John, NB E2L 2J2 fcnb.ca #spendsmart The terms advisor and financial advisor used here generally refer to a financial professional, and do not indicate a category of registration or licence. The registration category and type of licence is more important than a title. Visit FCNB.ca/CheckNow.
2 Step 1: Personal information Name: Phone number: Business number: Address: Birth date: Number of dependants: Ages: Have you prepared a will? Yes No Last updated: Do you feel you have adequate insurance? Yes No Last reviewed: Do you have an accountant? Yes No Name: Do you have a financial advisor? Yes No Name: Life and property insurance and estate planning are, for most people, important parts of a sound financial plan. If you aren t sure what your needs are, consult your financial advisor.
3 Step 2: Household net worth Assets You Spouse Cash Chequing/Savings Accounts RRSPs/RRIFs TFSAs Non-RRSP Investments Life Insurance (cash value) Employment Pensions Plan Personal Property Vehicle Real Estate Jewelry/Collectibles Assets Business Property Total Household Liabilities Liabilities You Spouse Credit Card Balances Bank Loans Investment Loans Taxes Owing Mortgage Balance Debts Total Household Liabilities NET WORTH (total assets - total liabilities) =
4 Step 3: household income and expenses People tend to underestimate expenses. Looking at your true income and expenses can not only help you better understand where your money is going, it can also help you find areas to cut back and save. This is extra money that you could put toward your long-term goals! Plan ahead and include all expenses. Contribute regularly to a savings account to prepare for unexpected expenses. For irregular or annual expenses, divide the total amount by 12 and set this money aside each month so it doesn t get spent until it is needed. Income Housing Expenses Pay (after taxes) Mortgage/Rent Alimony or Child Support Property Tax Income Home/Tenant Insurance Condo Fees Transportation Expenses Car payment Auto Insurance Gas Parking Costs Electricity Gas/Heating Water/Sewage Telephone TV Internet Public Transit Costs
5 Health/Medical Expenses Personal Expenses Dentist Groceries Optometrist Medicines Cell Phone Entertainment Gifts Clothing Charity Savings/Contributions Personal Savings RRSP RESP TFSA Vacation Dry Cleaning/Laundry Personal Grooming Furniture Bank Fees Debt/Loan Payments Credit Card Line of Credit/Loan Legal Fees Alimony or Child Suport Debt/Loan Payments Child Care School Tuition Lunch Money School Supplies Extra-curricular Activities Allowances Cell Phone If you have a monthly shortfall (for example, you spend more than you make), it s time to think about ways to reduce your expenses or increase your income. Visit FCNB.ca for budgeting and money saving tips.
6 Step 4: Financial goals The answers to these questions will help you and your financial advisor understand and assess your financial needs, goals, and tolerance for risk. 1. Today, I have $ to invest, and plan to invest an additional $ each month. 2. My major financial goals include (for example, buying a house, paying off a mortgage, buying a car, paying for a child s education, saving for retirement): Goal Estimated Cost When? The likelihood that I will have to withdraw a significant amount of my investment before the times estimated in question 2 is: Low Medium High 4. My household income stream is: Very secure Reasonably secure Somewhat uncertain Very uncertain 5. I would feel comfortable if I had $ that I could access quickly in case of emergency. 6. I would feel comfortable if, over the course of any one year, my overall investment portfolio dropped in value by: 1-2% 3-5% 6-10% 11-15% 16-20% over 20%
7 7. For my overall investment portfolio, the largest drop in value (even if it was temporary) that I would be prepared to accept is: None 5% of the total 15% of the total 25% or more of the total 8. My priorities when investing are: Preserving my capital Earning a regular income Having the value of my investments grow over time Speculating in high-risk ventures Very important Fairly important Not a Priority 9. I plan to retire in years. When I retire, my goal is to have an income of $ per month (in today s dollars). 10. After retirement, I expect to receive monthly income from the following sources: Source Employment Pension: $ RRSP / RRIF: $ Investment Income: $ : $ : $ 11. I have previously invested in: Exchanged Traded Funds Common Shares GICs Bonds and Debentures Mutual Funds Trust Units Stock Options Limited Partnerships Futures Preferred Shares :
8 12. I would rate my investment knowledge of securities: None Some Knowledge Quite Familiar Well Informed GICs Mutual Funds Exchange Traded Funds (ETFs) Common Shares Bonds and Debentures Preferred Shares Trust Units Limited Partnerships Stock Options Futures 13. On average, I spend (how much time) monitoring my investments and researching other investment opportunities. 14. When it comes to making investment decisions: I prefer to rely entirely on the recommendations of my financial advisor. I consider the advice of my financial advisor, but often apply my own judgment and experience. I am comfortable making all my own investment decisions. 15. I think a reasonable annual rate of return for my investment portfolio would be: 3-5% 6-8% 9-11% 12-15% More than 15% I don t know January 2018 This brochure is provided for information purposes only. FCNB does not provide financial or legal advice, or endorse any products or services.
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