My Investor Profile 1

PERSONAL AND CONFIDENTIAL

My Investor Profile
Know You / Advise You / Guide You

Client Name: __________________________________

 My Investor Profile 2

Asset allocation is a key element of your financial Know you.

strategy. Before deciding on the optimal asset mix To know you is to go beyond
for your portfolio, you should determine the investor a simple questionnaire. What
profile that is best suited to your situation. values guide you? What are
Your objectives also form the basis of your investment your dreams, your ambitions?
plan as they define the time frame required to achieve
your goal. Advise you.
We are there to help you navigate
This document addresses key considerations, in this complex and ever-
including your investment knowledge, your investing evolving world.
experience and your risk tolerance. Your answers
to the following questions will help determine your Guide you.
profile – prudent, moderate or aggressive, which will Anything can happen along the way!
allow your representative to develop a customized Your advisor will help you make
strategy based on your objectives. the right decisions.

We recommend that you update this profile on

an ongoing basis or as your personal or financial
situation evolves.

On a scale of 1 to 10, how would you describe

your investment experience?
Summary (service received, results obtained, etc.)

My Personal Information . . . . . . . . . . . . . . 3

My Current Situation. . . . . . . . . . . . . . . . . . 3
1 2 3 4 5 6 7 8 9 10
My Objectives. . . . . . . . . . . . . . . . . . . . . . . . 4

My Balance Sheet . . . . . . . . . . . . . . . . . . . . 5 Why?

My Budget. . . . . . . . . . . . . . . . . . . . . . . . . . ..6

My Investor Profile. . . . . . . . . . . . . . . . . . . . 7

My Result. . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Examples – Asset Allocation

and Risk Level . . . . . . . . . . . . . . . . . . . . . . . 9

Action Plan. . . . . . . . . . . . . . . . . . . . . . . . . 10

Specific Requirements
and Comments. . . . . . . . . . . . . . . . . . . . . . .10

Glossary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Fund Type Risk Scale. . . . . . . . . . . . . . . . . 11

 My Investor Profile 3

Univeris Client No. (if applicable): ________________

My Personal Information
*Civic No.: ____________ *Street: ________________________________________________________ *Apt./Suite.:___________________

*City: _____________________________________________________ *Province :__________________ *Postal Code: ________________

*Date of Birth (yyyy-mm-dd): ________________________________ *SIN (optional): _____________-_____________-_____________

*Occupation: ______________________________________________ *Employer: ______________________________________________

*Annual Income: __________________________________________ Employer Address: _______________________________________

*Years of Service: _________________________________________ *Citizenship: _____________________________________________

*Marital Status:____________________________________________ *Spouse’s Name: _________________________________________

*Spouse’s Occupation: _____________________________________ *Spouse’s Employer:______________________________________

*No. of Dependents: _______________________________________ Age of Children: _________________________________________

Home Phone: _____________________________________________ Work Phone: _____________________________________________

Cellular Phone: ____________________________________________ Email Address: ___________________________________________

*These fields are mandatory upon account application.

Proof of identity will be required upon account application.

My Current Situation
Do you have the following Yes No

Plan in case of incapacity Last update:_____________________________Type: ______________________________

Marriage contract Last update:_____________________________Type: ______________________________

Will Last update:_____________________________Type: ______________________________

Disability insurance Last update:_____________________________ Coverage: $

Critical illness insurance Last update:_____________________________ Coverage: $

Retirement strategy Last update:_____________________________

Pension plan Type:___________________________________Value: $_____________________________

Life insurance

1 -___________________________________________________________ Type : __________________________ Coverage: $

2 -___________________________________________________________ Type : __________________________ Coverage: $

3 -___________________________________________________________ Type : __________________________ Coverage: $

Unused RRSP: $ ________________ Unused TFSA: $ ________________

Note:
 My Investor Profile 4

My Objectives

Retirement Residence Secondary Residence

Required amount: $___________________ Required amount: $___________________ Required amount: $___________________
Time frame? ________________________ Time frame? ________________________ Time frame? ________________________

Children’s Education Vacation Savings

Required amount: $___________________ Required amount: $___________________ Required amount: $___________________
Time frame? ________________________ Time frame? ________________________ Time frame? ________________________

Sabbatical Year Income Tax Reduction Debt Repayment

Required amount: $___________________ Strategy: Strategy:
Time frame? ________________________

Other:
 My Investor Profile 5

My Balance Sheet

Assets Liquid** Illiquid Liabilities

Non-registered Investments Mortgage $

Bank account $ Car loan $

Guaranteed investments $ $ Personal loan $

Mutual funds $ $ Credit card /Line of credit $

____________________________ $ $
Guarantee $
(Other)
Commercial liabilities $
Registered investments
Tax $
TFSA $ $
_______________________
RRSP, LIRA, RRIF, LIF $ (Other) 
$

Pension plan $ TOTAL LIABILITIES $ 0

____________________________ $
(Other)

Capital assets

Principal residence $ *TOTAL LIQUID

ASSETS
$ 0
Secondary residence $
+
Real estate $ *TOTAL ILLIQUID
ASSETS
$ 0
Business $
-
____________________________ $
(Other) *TOTAL LIABILITIES $ 0
Other assets =
Vehicle $
*NET WORTH $ 0
___________________________ $ $
(Other)
Liquid Illiquid

TOTAL ASSETS
$ 0 $ 0

* These fields are mandatory upon account application.

** Liquid: Not subject to restrictions and readily converted to cash without
significant penalty or tax impact.
 My Investor Profile 6

My Budget Monthly Annual

Expenses Income
Housing Net income $
Rent/Mortgage $ Other net income $
Home insurance $ TOTAL – INCOME $ 0
Municipal taxes $
School/Other taxes $
Savings
Emergency fund $
Other housing expenses $
RESP $
TOTAL - HOUSING $ 0
RRSP $
Utilities
TFSA $
Electricity $
Other savings $
Heating $
Telephone $ TOTAL - SAVINGS $ 0
Cable $
Internet $
Other utilities $
TOTAL - UTILITIES $ 0 TOTAL
INCOME
$ 0
Transportation
Public transit $ -
Car loan/Lease $
TOTAL
Gas $ SAVINGS
$ 0
Car insurance $
Other transportation fees $
-
TOTAL - TRANSPORTATION $ TOTAL
0
EXPENSES
$ 0
Other expenses
Groceries $ =
Restaurants $
AVAILABLE
Entertainment $ AMOUNT
$ 0
Sports $
Childcare $
Travel $
Drugstore $ EXCESS AMOUNT
Clothing $ TO ACHIEVE $ 0
OBJECTIVES
Alimony/Child support $
Other expenses $
TOTAL – OTHER EXPENSES $ 0
Debt repayment
Credit cards $
Line of credit $
Other loans $
TOTAL - DEBT REPAYMENT $ 0

TOTAL EXPENSES $ 0
 My Investor Profile 7

My Investor Profile
Knowledge Risk tolerance
1. Do you understand the difference among the 6. Below are three investments and their associated
following investment types: GICs, bonds, equities potential returns. Which one do you prefer?
and mutual funds?
¨¨A  ot really, I am just starting to become familiar
N Investment A Investment B Investment C
with investments.
¨¨B  little bit, I know that some investments
A 25%
are riskier than others.
¨¨C  es I do, I understand the risk and return
Y 4% 12%

levels involved with these types of

-1% -10%
investments, as well as their fluctuations 0
in value over time.
Score -20%

Experience ¨¨A Investment A

2. What types of investment products have ¨¨B Investment B
you purchased in the past? ¨¨C Investment C
¨¨A  ery few investments, mostly GICs, Treasury
V ¨¨*None, I don’t tolerate any risk associated 0
bonds and other guaranteed investments. with my investments
¨¨B
Score
 arious kinds of investments, mostly bonds
V 7. Knowing that riskier investment can earn a
and balanced funds. higher rate
0
¨¨C More volatile investments, mostly equities. of return in the long term but also imply higher
Score volatility, what short-term drop would you be
prepared to tolerate?
3. Have you experienced downward fluctuations
in the past? ¨¨A L
 ess than 5%
¨¨A  es, and I was not comfortable with them / No, I have
Y ¨¨B Between 5% and 15%
0
never experienced downward fluctuations. ¨¨C More than 15%
¨¨B  es, moderate fluctuations, and I was comfortable
Y Score

with them.
Ability to stay the course
¨¨C  es, significant fluctuations, and I was
Y 0 8. North American equity markets recorded a drop
comfortable with them.
Score of more than 30% over a 3-month period in 2008.
If you held an investment which dropped by 30%
Emotional factor in 3 months, what would you do?
4. When you think of “risk” in your investment portfolio, ¨¨A I would sell the remaining balance of this investment
what word comes to mind? to avoid further losses.
¨¨A Loss ¨¨B I would keep this investment to hopefully get higher
returns in the future.
¨¨B Uncertainty
0
¨¨C Opportunity
¨¨C I would buy more of this investment when 0
Score prices are lower.
Score
5. How concerned are you about the fluctuation
of your investments?
¨¨A Very concerned * If you cannot tolerate any decrease in your portfolio, you should
choose cash equivalents (e.g. GICs, money market funds, cash)
¨¨B Somewhat concerned
0
¨¨C Not at all
Score

Calculate your score

A = 1 point B = 3 points C = 5 points
MY RESULT 0
 My Investor Profile 8

My Result 0
Where do you stand?

PRUDENT MODERATE AGGRESSIVE

8 18 29 40

Profile

Between 8 and 18 points

• You prefer safer investments over riskier investments.
PRUDENT • You are not comfortable with fluctuations in the value
of your investments.
• You are prepared to accept lower returns.
Security Volatility Return
expectations

Between 19 and 29 points

• You are prepared to take calculated risks to obtain
higher returns.
MODERATE • You believe it is important to have a well-diversified portfolio
to benefit from the higher growth which is usually associated
with riskier investments.
• You want to limit the risk by choosing investments whose Security Volatility Return
income is relatively stable. expectations

Between 30 and 40 points

• You are prepared to take calculated risks to obtain
higher returns.
• You are looking for higher growth in your portfolio.
AGGRESSIVE • You are prepared to accept significant fluctuations in the value
of your portfolio from one year to the next.
• You tell yourself that riskier investments tend to pay off.
Security Volatility Return
Note: Aggressive investors should have a thorough understanding of how stock expectations
markets work and not let their emotions guide their decisions.

Your representative will help you choose the best investment instruments
to achieve your objectives.
 My Investor Profile 9

Examples – Asset Allocation and Risk Level

Your representative could recommend a different asset mix from the one included in the chart below based
on your financial situation or objectives.

Very short-term objective

Regardless of your risk profile, if your time horizon is 1 year or less, you should invest
exclusively in cash equivalents.

SHORT-TERM OBJECTIVE MEDIUM-TERM OBJECTIVE LONG-TERM OBJECTIVE

2 to 4 years 5 to 9 years 10 years +
Time horizon is the most Risk profile is the most Risk profile is the most
important consideration. important consideration. important consideration.

Equities Equities Equities

20 % 30% 30 %
PRUDENT

Target asset
allocation
Fixed income Fixed income Fixed income
80% 70% 70 %

Low Unlimited Low Unlimited Low Unlimited

Maximum Low to Moderate 20% Low to Moderate 30% Low to Moderate 30%
Moderate 0% Moderate 0% Moderate 10%
risk threshold Moderate to High 0% Moderate to High 0% Moderate to High 0%
High 0% High 0% High 0%

Time horizon is the most Risk profile and time horizon are Risk profile is the most
important consideration. the most important considerations. important consideration.

Equities
20%
MODERATE

Fixed
Target asset Fixed income
Equities
income
50% 30%
allocation 50%

Fixed income Equities

80% 70%

Low Unlimited Low Unlimited Low Unlimited

Maximum Low to Moderate 20% Low to Moderate Unlimited Low to Moderate Unlimited
Moderate 5% Moderate 50% Moderate 70%
risk threshold
Moderate to High 0% Moderate to High 0% Moderate to High 20%
High 0% High 0% High 0%

Time horizon is the most Risk profile and time horizon are Risk profile is the most
important consideration. the most important considerations. important consideration.
Fixed Equities
Equities income 100%
AGGRESSIVE

20% 20%
Target asset
allocation
Fixed income Equities
80% 80%

Low Unlimited Low Unlimited Low Unlimited

Low to Moderate 20% Low to Moderate Unlimited Low to Moderate Unlimited
Maximum
Moderate 10% Moderate 80% Moderate Unlimited
risk threshold Moderate to High 0% Moderate to High 10% Moderate to High 20%
High 0% High 10% High 20%

If you cannot tolerate any decrease in your portfolio, you should choose cash equivalents
(e.g. GICs, money market funds, cash)
 My Investor Profile 10

My Profile: Prudent Moderate Aggressive

Action Plan

Specific Requirements and Comments

Next Follow-up Date: ___________________________________________________

Client Signature: _______________________________________________________ Date: ____________________________

Representative Signature: ______________________________________________ Date: ____________________________

Important Information
The My Investor Profile questionnaire was designed to guide you in the creation, management and understanding of your investment strategy.
Your representative is responsible for recommending suitable investment strategies based on the information you provided, and, as a client,
you are responsible for making the final investment decisions. In the event of a change to your personal or financial situation, please notify
your representative and provide him/her with your updated information. This is important as any change in your personal or financial situation
may require an adjustment to your portfolio in order to keep it in line with your investment goals and risk tolerance.
 My Investor Profile 11

Glossary Fund Type Risk Scale

Bond: Debt security under which the issuer agrees to make
interest payments to the holder over an agreed-upon period
of time and repay the investment at maturity.
INVESTMENT FUND TYPES* VOLATILITY
Equity: Stock or security which represents ownership
in a company and a claims on this company’s assets
and earnings. Mostly Money Market
Securities
Fluctuation: Downward or upward changes in your

LOW
portfolio value. • Money Market
• Canadian Short
Guaranteed Investment Certificate (GIC): Product issued
Term Fixed Income
by most financial institutions at an agreed upon interest rate
for a given period.

LOW TO MODERATE
Investment Strategy: An investment strategy is designed
to limit the risk by dividing portfolio holdings among Mostly Fixed Income
different investment types or financial products in order Securities
to achieve financial goals within a set time horizon. • Canadian Long Term
Mutual Fund: Financial instrument in which many investors Fixed Income
pool their money together under the care of professional • Canadian Neutral
investment managers who invest it on their behalf. The Balanced
money is invested in securities, including stock, bonds
or other financial securities.

Registered Education Savings Plan (RESP): An RESP is a

Mostly Equities
MODERATE

savings plan which allows you to accumulate funds to help

pay for a child’s or a grandchild’s post-secondary education. • Canadian Equity
Registered Retirement Savings Plan (RRSP): An RRSP • U.S. Equity
is a plan which allows investments to grow tax-free. It is
primarily used to accumulate savings for retirement.
• Global Equity

Risk Tolerance: Capacity of an investor to withstand

uncertainties associated with the fluctuation in the value
MODERATE TO HIGH

of his/her investments.

Tax-Free Savings Account (TFSA): Registered savings Mostly Targeted Equities

plan which allows your money invested to grow tax-free.
• Asia Pacific Equity
Volatility: Fund volatility indicates the price range in which • Small/Mid Cap Equity
the fund can fluctuate, either downward or upward, over
time. Volatility is a key component of risk: the higher the
volatility, the higher the risk.

Will: Legal document which sets out how you want your
property distributed after your death and the portion to Mostly Specialized
which your heirs are entitled. Equity
HIGH

• Emerging Markets
Equity
• Risk Capital

*These examples are for your information only; risk ratings disclosed
in the Fund Fact sheet should prevail.
 My Investor Profile 12

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