PIVOTAL SELECT
TM
Investor Profile
Questionnaire
SEGREGATED FUNDS
Savings and Retirement
Before you invest, it is important to understand your attitude towards risk. Knowing your tolerance for risk can help you
choose an appropriate portfolio. There is no right or wrong decision. The only decision is what is right for you. Your
financial goals and objectives, investment time horizon and attitude towards risk can define you as an investor and can
help you identify your investor style.
Please answer the following questions by choosing the option best suited to you. There are no right or wrong answers.
Keep in mind that it is important to answer each question honestly. This way the results reflect your unique investment profile.
Risk Tolerance
1. Which statement best describes your investment knowledge? Score
a) Novice. My knowledge of investing is limited. (2)
b) Good. I have a working knowledge of the major characteristics of the different types of
investments and the financial marketplace. (3)
c) Excellent. I am a seasoned investor and have a comprehensive understanding of the
different types of investments, their associated risks and how they relate to market
volatility. (4)
2. What is your total gross annual household income? Score
a) Less than $30,000 (0)
b) $30,000 to $59,999 (1)
c) $60,000 to $99,999 (2)
d) $100,000 to $149,999 (3)
e) Over $150,000 (4)
3. When describing your investment objectives, which statement is most important to you in achieving
your goals?
Score
a) Preserving the current value of your investment (0)
b) Producing income with relative stability of principal (1)
c) Producing a moderate level of income and/or some growth over time (2)
d) Growth in principal over time (3)
e) Maximum growth in the value of my investments (4)
Investor Profile
Questionnaire
4. How would you classify your current financial situation?
Score
a) My financial situation is somewhat unstable. (0)
b) My situation is stable but I need savings to supplement my income. (1)
c) I do not currently need my savings and investments to meet current income requirements.
However, this might change. (2)
d) I do not use my savings and investments to meet current income requirements. However,
I may need to access funds if an unexpected emergency arises. (3)
e) I have sufficient cash flow to meet my income requirements including emergencies. (4)
f) I am completely secure and I can meet emergency requirements without withdrawing
money from my long-term investments. (5)
5. Choose the statement that best describes your attitude towards investing and inflation.
Score
a) I want my investments to be safe and protected even if it means that my investments will not
keep pace with inflation. (0)
b) I am willing to accept a low level of fluctuation in the value of my investments in order to
attempt to keep pace with inflation. (2)
c) I am willing to accept a moderate level of fluctuation in the value of my investments in order
to attempt to achieve investment returns somewhat higher than inflation. (3)
d) I am willing to accept a high level of fluctuation in the value of my investments in
order to attempt to significantly outperform the rate of inflation. (4)
6. You have received $100,000 from an inheritance and, on the advice of a friend, invested in a
well-known equity investment fund with a 25-year track record of strong performance. After two
years of volatile markets you receive your statement in the mail that your original investment is
now worth $61,000. What would you do?
Score
a) I would sell. I could not take the chance that this investment would decline further. (0)
b) I would hold on. I understand markets fluctuate and would re-evaluate in one year. (2)
c) I would buy more of this investment. I have many years before I require this investment and
believe in its long-term track record. (4)
7. Assume that you have $25,000 to invest and can choose from one of five different investment
options. Each option provides the range of values that your investment may be worth in one year.
Which option would you be most comfortable investing in?
Score
a) As low as $25,000 and as high as $25,500 (0)
b) As low as $24,000 and as high as $26,500 (1)
c) As low as $23,000 and as high as $27,500 (2)
d) As low as $21,000 and as high as $30,000 (3)
e) As low as $19,000 and as high as $32,500 (4)
8. Which of the following ranges includes your current age? Score
a) Under 34 (4)
b) 35-54 (3)
c) 55-64 (2)
d) 65 or older (1)
Total Score
Time Horizon
9. a) When do you plan to start withdrawing from the amounts you are investing? Score
a) Less than 3 years (0)
b) Within 3 to 5 years (1)
c) Within 6 to 10 years (2)
d) 10+ years (3)
b) What % of your portfolio do you expect to withdraw each year? Score
< 10% (4)
10%-20% (3)
20%-30% (2)
30%-40% (1)
40% + (0)
Total Score
Client Signature: Advisor Signature:
Date:
Investor Style Matrix
4 to 8
points
Minimal Risk Minimal Risk Minimal Risk
9 to13
points
Minimal Risk Minimal Risk Conservative
14 to 18
points
Minimal Risk Conservative
Moderate
Conservative
19 to 23
points
Minimal Risk
Moderate
Conservative
Balanced
24 to 28
points
Minimal Risk Balanced Growth
29 to 33
points
Minimal Risk Growth Aggressive Growth
0-2 points
3-5 points 6+ points
Time Horizon
Risk Tolerance
Take your risk tolerance score (questions 1 to 8) and compare it to the vertical axis and your time horizon
score (question 9 a) and b)) and compare it to the horizontal axis to determine your investor style.
INVESTMENT PROFILE CATEGORIES
Investor Style Investment Options
Minimal risk
You have a very low tolerance for risk. You are unable to tolerate any investment
losses or you have a very short investment time horizon. You prefer knowing that your
capital is safe. You are willing to accept lower returns to protect your capital.
100% Guaranteed
(Daily Interest, Guaranteed
Interest, Term Deposit
Accounts)
Conservative
You have a low tolerance for risk and potential loss of capital. You have a short
investment time horizon. You are willing to accept some short term fluctuations.
You accept small losses in your investment portfolio in exchange for modest returns.
The primary objective of your investment portfolio will be to provide income by
investing primarily in funds that invest in fixed-income securities. Capital appreciation
is not a priority. A small portion of your portfolio may be invested in equity funds to
provide the potential for some growth to offset the effects of inflation.
30% Equity,
70% Fixed Income or
Guaranteed
Moderate Conservative
Your tolerance for portfolio volatility and loss of capital is low. You are willing to
tolerate some short-term fluctuations in your investment returns. You accept small losses
of capital in exchange for modest potential capital appreciation.
40% Equity,
40% Fixed Income,
20% Guaranteed
Balanced
You have a moderate tolerance for risk and loss of capital. You are willing to tolerate
some fluctuations in your investment returns. You will accept moderate losses of
capital. You have at least a medium term investment time horizon. The objective of
your portfolio will be to provide a combination of income and long term capital
growth. Your portfolio will include at least 40% in fixed income investments.
60% Equity and
40% Fixed Income
Growth
You have a high tolerance for risk and loss of capital. You are willing to tolerate
large fluctuations in your investment returns. You are willing to accept moderate to
large losses of capital in exchange for potential long-term capital appreciation. You
do not have any significant income requirements from your investments. You have at
least a medium term investment time horizon.
80% Equity and
20% Fixed Income
Aggressive Growth
Your tolerance for risk, portfolio volatility and investment losses is very high. You are
willing to tolerate potentially significant and sustained price fluctuations. You are
willing to accept large losses of capital. You have extensive investment knowledge.
You have no income requirements from your investments and have a long investment
time horizon.
100% Equity
Equity
Fixed Income or Guaranteed Interest Account
Risk
Return
1. Minimal Risk
100%
70%
30%
60%
40%
60%
40%
80%
100%
20%
2. Conservative
3. Moderate
Conservative
4. Balanced
5. Growth
6. Aggressive
Growth
10
7
70
0%
6
60%
%
60%
10
8
80
0%
Equity
Fixed Income or Guaranteed Interest Account
Risk
Return
1. Minimal Risk
100%
70%
30%
60%
40%
60%
40%
80%
100%
20%
2. Conservative
3. Moderate
Conservative
4. Balanced
5. Growth
6. Aggressive
Growth
10
7
70
0%
6
60%
%
60%
40
10
8
80
0%
Equity
Fixed Income or Guaranteed Interest Account
Risk
Return
1. Minimal Risk
100%
70%
30%
60%
40%
60%
40%
80%
100%
20%
2. Conservative
3. Moderate
Conservative
4. Balanced
5. Growth
6. Aggressive
Growth
10
7
70
0%
6
60
%
%
60%
40
10
8
80
0%
Equity
Fixed Income or Guaranteed Interest Account
Risk
Return
1. Minimal Risk
100%
70%
30%
60%
40%
60%
40%
80%
100%
20%
2. Conservative
3. Moderate
Conservative
4. Balanced
5. Growth
6. Aggressive
Growth
10
7
70
0%
6
60
%
%
60%
40
10
8
80
0%
Equity
Fixed Income or Guaranteed Interest Account
Risk
Return
1. Minimal Risk
100%
70%
30%
60%
40%
60%
40%
80%
100%
20%
2. Conservative
3. Moderate
Conservative
4. Balanced
5. Growth
6. Aggressive
Growth
10
7
70
0%
6
60
%
%
60%
40
10
8
80
0%
Equity
Fixed Income or Guaranteed Interest Account
Risk
Return
1. Minimal Risk
100%
70%
30%
60%
40%
60%
40%
80%
100%
20%
2. Conservative
3. Moderate
Conservative
4. Balanced
5. Growth
6. Aggressive
Growth
10
7
70
0%
6
60
%
%
60%
40
10
8
80
0%
If you would like further details on the savings and investment opportunities available, please talk
to your advisor.
Any amount that is allocated to a segregated fund is invested at the risk of the owner and may increase or decrease in value. Segregated fund values change frequently
and past performance does not guarantee future results. Professional advice should be sought before an investor embarks on any investment strategy. Investors do not
purchase an interest in underlying securities or funds, but rather, an individual variable insurance contract issued by Equitable Life of Canada.
®
denotes a trademark of The Equitable Life Insurance Company of Canada.
One Westmount Road North,
Waterloo, Ontario N2J 4C7
Visit our website: www.equitable.ca
1165(2018/09/05)
Works for me.
®
Canadians have turned to Equitable Life since 1920
to protect what matters most. We work with your
independent financial advisor to offer individual insurance
and savings and retirement solutions that provide good
value and meet your needs – now and in the future.
But were not your typical financial services company.
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® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
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