Savings and Investments

Transcription

1 Savings and Investments Profile Selector The Profile Selector is a tool designed to help you: Determine what type of investor you are Decide how to diversify your portfolio across various asset categories to match your investor profile Build a portfolio of La Capitale products that fits your profile, with the right level of diversification and balance for you

2 Your Investor Profile Do you know your investor profile? To find out, just answer a few simple questions below about your goals, your tolerance to risk, your investment horizon and knowledge and your overall financial situation. With your financial security advisor, add together your score from questions 6, 7 and 8 and evaluate your answers to the other questions. This will show you your investor profile. Indicate what type of investment plan this profile is being created for: RRSP Spousal RRSP RRIF Spousal RRIF LIRA LIF TFSA Non-registered 1. How would you describe your level of investment expertise? Limited I don't really know anything about investments. Fair I am somewhat familiar with the various types of investment options. Good I know quite a lot about the different types of investments that are available. Excellent I keep abreast of what's happening in the financial markets and I understand how financial products work. 2. Select the investments you are familiar with Bonds Stocks Mutual funds and segregated funds Guaranteed interest certificates (GICs) Real estate investments Mortgage-backed securities 3. Questions about your income Gross annual income: $ What are your financial obligations each month? $ (Mortgage, rent, taxes, loans, credit cards, etc.) 4. Questions about your net worth Value of your non-registered investments: $ Value of your registered investments (including + TFSAs): $ Real estate assets + (home, cottage, etc.): $ Total debt: $ Total net worth: = $ Points 5. What is your investment horizon? 0 Less than 1 year 1 1 to 3 years 2 3 to 5 years 4 5 to 10 years 5 10 to 20 years 7 20 years or more 6. What are your investment goals? 0 Security Protecting my capital is most important to me. 1 Income I want to earn income from this investment or be able to withdraw certain amounts from time to time. 3 Balance I am looking for an investment that offers a balance of income and growth. 7 Growth I want my capital to grow. 10 Speculation I want to speculate with the amounts invested. 7. How would you describe your tolerance to risk when it comes to investing your money? 0 Very low I don't want my capital to fluctuate with the ups and downs of the financial markets. 1 Low Protecting my capital is important to me but I accept that values and returns may vary slightly up or down. 2 Low to medium I would prefer my capital to be stable but I am willing to accept a certain degree of risk in the hope of obtaining better returns in the long term. I understand that the value of my investments may go down in the short term. 5 Medium To take advantage of the potential for growth that certain products offer, I accept that the value of my investments will fluctuate up or down. 7 Medium to high I understand that the amounts I invest may substantially fluctuate up or down. 10 High To take full advantage of the highest potential returns, I am willing to accept that my investments may suffer significant losses that I may not be able to recover. SUGGESTED PROFILE: 3 to 6: Conservative 7 to 9: Moderate 10 to 15: Balanced 16 to 24: Growth 25 to 27: Aggressive Name: Your Investor Profile: Client No.: Date of Birth (YYYY/MM/DD): Comments: I acknowledge that I have read and understood the Profile Selector and have received a copy. Client s signature: Agent s signature: Date: Date:

3 Recommended portfolio based on your investor profile Conservative Profile Your focus as an investor is on keeping your capital secure. You err on the side of caution and may prefer a conservative portfolio with little fluctuation in value. Capital preservation is important to you and you prefer to see steady returns that vary little from year to year. Moderate Profile As an investor, you re looking for regular income and can tolerate a moderate level of market volatility. You tend to lean toward investments that generate a relatively stable income. Fixed Income 75 Canadian Equity 20 U.S. and International Equity 5 Fixed Income 60 Canadian Equity 30 U.S. and International Equity 10 Canadian Bond Index 30 Canadian Fixed Income (AGF) 45 Canadian Dividend (Fidelity) 10 Low Volatility Canadian Equity (TDAM) 10 Global Equity Discovery (Dynamic) 5 Conservative Profile Portfolio (NBSI) 100 Canadian Bond Index 30 Canadian Fixed Income (AGF) 30 Canadian Dividend (Fidelity) 20 Low Volatility Canadian Equity (TDAM) 10 Global Equity Discovery (Dynamic) 5 Low Volatility Global Equity (TDAM) 5 Moderate Profile Portfolio (NBSI) 100 Balanced Profile Both security and returns are important to you as an investor. You re prepared to take some risks in order to reach your investment goals. You re looking for moderate income and capital growth and want to avoid major variations in annual returns. Growth Profile As an investor, you re looking for betterthan-average investment growth and are prepared to tolerate a high level of risk. You re patient and aren t easily fazed by fluctuations in your portfolio. Fixed Income 40 Canadian Equity 40 U.S. and International Equity 20 Fixed Income 25 Canadian Equity 45 U.S. and International Equity 30 Canadian Bond Index 20 Canadian Fixed Income (AGF) 20 Canadian Dividend (Fidelity) 20 Low Volatility Canadian Equity (TDAM) 10 Small Capitalization Canadian Equity (Dynamic) 10 Global Equity Discovery (Dynamic) 20 Balanced Profile Portfolio (NBSI) 100 Canadian Bond Index 25 Canadian Dividend (Fidelity) 30 Small Capitalization Canadian Equity (Dynamic) 15 Global Equity Discovery (Dynamic) 20 Emerging Markets (AGF) 10 Growth Profile Portfolio (NBSI) 100 Aggressive Profile As an investor, you focus on longterm growth. You re comfortable with riskier investments and don t mind waiting to see your capital appreciate in value on the markets. You re prepared to expose your portfolio to market fluctuations in exchange for potentially higher returns. Fixed Income 10 Canadian Equity 50 U.S. and International Equity 40 Canadian Bond Index 10 Canadian Dividend (Fidelity) 30 Small Capitalization Canadian Equity (Dynamic) 20 Global Equity Discovery (Dynamic) 20 Emerging Markets (AGF) 20 Aggressive Profile Portfolio (NBSI) 100 Note: The portfolios suggested are intended as examples only. Only Profile Investment Accounts are subject to periodic rebalancing.

4 Investment Strategy Fixed Income Canadian Bond Index Canadian Fixed Income (AGF) Current Portfolio Recommended Profile Adjustment required (+ or ) $ % $ % $ Balanced Canadian Balanced (Dynamic) Canadian Balanced (Fidelity) Canadian Equity Low Volatility Canadian Equity (TDAM) Canadian Dividend (AGF) U.S. and International Equity American Equity Index Low Volatility Global Equity (TDAM) New deposit GRAND 100% 100% This table does not include Profile Investment Accounts or Equity Index GICs. You may include these if you wish. Simply classify them by asset category in accordance with their respective composition. Caution: The Profile Selector is designed to help you build your investment strategy. La Capitale has taken measures to help ensure you are provided with as accurate an evaluation as possible, but shall not in any case whatsoever be held liable with regard to any investment strategies you choose. Furthermore, La Capitale shall not in any way be held liable for any damage that may directly or indirectly result from the use of this Profile Selector.

5 + When it comes to savings and investments, we have the solution you ve been looking for! INVESTMENT ACCOUNTS Stimulate your savings portfolio Diversify your portfolio on a global scale Provide long-term capital growth potential La Capitale Investment Accounts are similar to mutual funds. La Capitale offers a wide range of investment accounts in five main categories: Fixed Income Balanced Canadian Equity U.S. and International Equity Portfolio Amounts invested in these accounts are not guaranteed, except in thee vent of the death of the contractholder. Long-term capital growth potential and possibility to invest based on your investor profile Increased diversification thanks to a wide array of securities, asset categories and sectors Competitive management fees Potential for unlimited returns A secure investment: Capital 100% guaranteed in the event of death 1 Contributions covered by Assuris up to $100,000 per client Redeemable 1,2 Tax-free capital growth Automatic rebalancing for Profile Index Accounts EQUITY INDEX GIC Provides security for more aggressive portfolios Helps stimulate more conservative portfolios Offers higher potential returns than traditional GICs, while providing a death and maturity guarantee A range of indexes available Returns tied in part to an index: market indexes, actively managed indexes Available outside an RRSP with taxation deferred to maturity Redeemable 1,2 TRADITIONAL GIC Provides security for your investment portfolio Helps stabilize portfolio returns This solution guarantees you competitive returns. Choose your term from 1 to 10 years. The longer the term you choose, the higher your return will be! Capital and returns 100% guaranteed at maturity and on death Competitive rates Choice of terms available Redeemable 1,2 1. Certain conditions apply. 2. Some fees or penalties may apply.

6 La Capitale Investment Accounts Fixed Income Canadian Bond Index Canadian Fixed Income (AGF) Balanced Canadian Balanced (Dynamic) Canadian Balanced (Fidelity) Global Balanced (AGF) Diversified Income (Fidelity) Diversified Income (Dynamic) Canadian Equity Canadian Equity Index Canadian Dividend (AGF) Canadian Dividend (Fidelity) Canadian Equity Income (Dynamic) Canadian Equity (Dynamic) Canadian Equity (Fidelity) Small Capitalization Canadian Equity (Dynamic) Low Volatility Canadian Equity (TDAM) U.S. and International Equity American Equity Index International Equity Index American Equity (Dynamic) Global Equity (Dynamic) Global Equity Discovery (Dynamic) Low Volatility Global Equity (TDAM) Emerging Markets (AGF) Portfolio Conservative Profile (NBSI) Moderate Profile (NBSI) Balanced Profile (NBSI) Growth Profile (NBSI) Aggressive Profile (NBSI) K018 ( ) 100%