Overview

Your investor profile questionnaire

Investing to achieve your goals

Whether it's for a comfortable retirement, a major purchase, funding a child's education, or saving to leave a legacy, investing to achieve your goals and dreams takes planning.

Whatever your stage of life, successful investment planning takes an honest assessment of your investment knowledge and your comfort with risk. It also considers the number of years you have until you withdraw from your investments or need to use your investments for income. In other words, you need to understand your investment profile.

Discover your investment profile

These 14 questions will help you understand your investment profile and enable you and your financial security advisor to develop a personal investment plan that suits your needs and goals.

OVERVIEW is designed for investors who have long-term financial security goals. If your investment are less than five years, or if you're uncomfortable with any fluctuations in your investments, we suggest limiting your investment options to guaranteed interest investments such as money markets funds or guaranteed investment certificates (GICs). Alternatively, consider a portfolio of 100 per cent fixed income funds; however, note that even investments such as bond funds experience some ups and downs.

Personal Information

Today' date
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Date of birth
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$
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Dependant (s)
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Product(s)

SECTION 1 Investment objectives

1. What is the intent of your portfolio? Please select the most appropriate one.
(0)
(10)
(15)
(10)
You have to choose an option

  TOTAL FOR THIS QUESTION

2. What is your major goal for your portfolio?
    Please select the most appropriate one.
(2)
(5)
(10)
(15)
(20)
You have to choose an option

  TOTAL FOR THIS QUESTION

TOTAL FOR SECTION 1  

SECTION 2a Personal information

3. Which of the following ranges includes your age?
(15)
(15)
(15)
(10)
(5)
(3)
(2)
You have to choose an option

  TOTAL FOR THIS QUESTION

4. Which of the following ranges best represents your current annual family income (including pensions) before taxes?
(4)
(6)
(8)
(10)
(10)
You have to choose an option

  TOTAL FOR THIS QUESTION

TOTAL FOR SECTION 2a  

SECTION 2b Financial & Insurance

ASSETS LIABILITIES (debts)
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
 
REVENUES Financial obligations
$
$
$
$
$
$
$
$
This section is completed by the advisor
$
$
%
$
$
INSURANCE
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This information is required
5. After deducting any loan or mortgage balances, which one of the following ranges best represents your immediate family's overall net worth?
(2)
(4)
(6)
(8)
(10)
(10)
You have to choose an option

  TOTAL FOR THIS QUESTION

TOTAL FOR SECTION 2b  

SECTION 3 Investment horizons

Investors often have distinct phases in their investment plans. The initial phase is savings and growth. During this time an investor builds up a portfolio toward a future goal. The second phase is typically the use of funds, either for a specific purchase or for income.

6. When do you anticipate using these funds?
(0)
(0)
(5)
(10)
(15)
(20)
(20)
You have to choose an option

  TOTAL FOR THIS QUESTION

7. At the time you need this money, when will you withdraw it?
(3)
(3)
(5)
(8)
(10)
(15)
You have to choose an option

  TOTAL FOR THIS QUESTION

* If your response to question 6 was (a), (b), and your answer to question 7 was also (a) or (b).
Your needs are short term. Stop here. Consider the of money market funds or guaranteed investments to meet your savings goals. Alternatively, consider a portfolio of 100 per cent fixed income funds; however, note that even investments such as bonds funds experience some ups and downs.

8. What are your intentions regarding the withdrawals and/or contributions to your investments today and over the next five years?
(5)
(7)
(8)
(10)
(15)
You have to choose an option

  TOTAL FOR THIS QUESTION

TOTAL FOR SECTION 3  

SECTION 4 Attitude towards risk

9. Which statement best describes your knowledge of investments
(2)
(5)
(8)
(10)
You have to choose an option

  TOTAL FOR THIS QUESTION

10. Realizing that there will be downturns in the market, in the event of a significant loss, how long are you prepared to hold your existing investments in anticipation of a recovery in value?
(5)
(8)
(10)
(15)
(20)
(25)
You have to choose an option

  TOTAL FOR THIS QUESTION

11. Assume you invest $100,000 for the long term, what is the maximum drop in your portfolio's value that you could comfortably tolerate in any given year?
(2)
(5)
(10)
(15)
(20)
(25)
You have to choose an option

  TOTAL FOR THIS QUESTION

12. Which of the following statements most correctly describes your investment philosophy?
(5)
(10)
(20)
(30)
You have to choose an option

  TOTAL FOR THIS QUESTION

* If you answered (a) or (b) to questions 11 or 12, evaluate your need for growth and carefully consider your desire for stability.
Portfolios without fluctuations in values generally have no growth component. If you cannot tolerate any loses, even short term, stop here. Consider using money market funds or guaranteed interest investments to meet your saving goals.
Alternatively, consider a portfolio of 100 per cent fixed income funds; however, note that even investments such as bond funds experience some ups and downs.

TOTAL FOR SECTION 4  

SECTION 5 Portfolio volatility

Investment portfolios aimed at providing higher returns tend to have greater swings in value (providing both gains and losses.) The more aggressive your portfolio, the more pronounced these swings become, and the more often short-term losses may occur.

13. A portfolio is a basket containing different investments. The returns earned by a specific portfolio depend on the mix of investments that make up the portfolio. The following graph shows the probable range of returns (from best to worst) of four hypothetical portfolios over a one-year period. In which of these portfolios would you prefer to invest?
(5)
(10)
(20)
(30)
You have to choose an option

  TOTAL FOR THIS QUESTION

Some investors are more willing than others to accept periodic declines in the value of the portfolio as a trade-off for potentially higher long-term returns. Which response best represents your feelings toward the following statement?

14. I am willing to experience potentially large and frequent declines in the value of my investment if it will increase the likelihood of achieving higher long-term returns.
(20)
(15)
(10)
(5)
You have to choose an option

  TOTAL FOR THIS QUESTION

TOTAL FOR SECTION 5  

Total
SECTION 1 + SECTION 2 + SECTION 3 + SECTION 4 + SECTION 5 =
The total of the five sections will identify an investment mix best suited to your investment profile.

Your investment personality is Conservative.

If your final total is between... Your investment personality is...
105 or less Conservative
106 to 135 Moderate
136 to 164 Balanced
165 to 199 Advanced
200 or more Aggressive

SECTION 6 What are your investment objectives?

SECTION 7 Signatures

I hereby certify that the information provided in this financial needs analysis is accurate and accepts their disclosure to any person and / or company to which the information is needed for the processing of my file.

In witness whereof I have signed this This information is required day of This information is required

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Investment profile Scoring
Conservative 105 or less
Moderate 106 to 135
Balanced 136 to 164
Advanced 165 to 199
Aggressive 200 or more
Growth or income

Ethicor offers growth and income portfolios. Growth portfolios, although slightly more aggressive, focus on increasing the value of your principals over long- term. Income portfolios focus more on stability and investments with higher income distribution. Which of these choices would you prefer?

A

Growth

B

Income

As a general rule, you should have an emergency fund to cover at least three months of your basic living expenses. Consider building an emergency fund based on cash or cash equivalents, such as daily interest plans, short guaranteed investment certificates (GICs) or money market funds.

Please note that OVERVIEW questionnaire addresses long-term investment goals and as such, does not include GICs or money market funds. If you have shorter- term goals (for example, saving for a vacation) as well as planning for the longer term (such as retirement), consider a combination of investment funds and other products.

You financial security advisor can help you create a plan to meet your investments needs.

Making an investment plan takes time.
Making an investment plan happen takes action

Your financial security advisor can help you make the right choices to make your investment goals and dreams come true.

A description of the key features of the segregated fund policy is contained I the information folder. Any amount that is allocated to a segregated fund is invested at the risk of the policy owner and may increase or decrease in value.

Important information about Overview

Overview has been developed to assist in the assessment of your financial circumstances, investment time frame and attitude toward risk for the purpose of allocating funds offered by Ethicor Financial Corporation. While reasonable efforts have been made to ensure the accuracy of the information and calculations contained in Overview, the responsibility for determining the most appropriate allocation to meet your needs remains with you. Ethicor Financial Corporation is not responsible for any damages resulting from the use of Overview by any of its representatives or any other person, however caused.

Your Privacy

I consent to the collection and use of personal information concerning me, as well as information I may have provided with respect to others. (e.g., family members), that is included on this form.

I understand that this information is obtained for the purpose of helping me plan for financial security, and is to be used for no other purpose unless I consent.

You will not retain this form, and the information it contains, longer than required for financial security planning and for related record-keeping purposes. Subject to legal and contractual considerations, I may withdraw this content at any time.

In the event I complete an application with Ethicor Financial Corporation, I understand that this form, as completed by of for me, or a copy of it, may be retained by such company and that it and the information contained in it will be subject to the personal information and related consent provisions contained in the application or in related documentation, and to the provisions of applicable law. law,

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