Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]
Step 2 – Determine your investor profile
Determining your investor profile means determining your investment risk tolerance. In other words, before you set up your investment strategy, you should ask yourself how much risk you are willing to take.
Did you know?
As a general rule, when it comes to investments, the higher the return, the higher the risk.
Factors that can influence your degree of risk tolerance
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Investment horizon |
Your investment horizon is the time you have set to meet your objectives. If you have a long investment horizon, you can take more risk because you have time to recover from any loss in the value of your investments due to
market ups and downs. |
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Liquidity needs |
How great is your need to have assets than can be quickly converted to cash? |
Attitude towards market fluctuations |
Each one of us may have a different reaction to investment losses and fluctuations. It’s up to you to determine if a potential loss in the value of your portfolio might make you lose sleep. |
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Test yourself
Are you the conservative or the aggressive type? Use our Discover your investor profile tool to determine if you’re comfortable with investments whose value may fluctuate rapidly, or if you prefer investments where capital is guaranteed.
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 At the caisse
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Money question
Are you afraid you might not have enough money when you retire?
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A few statistics
According to an August 2008 Léger Marketing poll on behalf of the Journal de Montréal, 36% of respondents had not made an RRSP contribution in 2007 and 15% had contributed less than $1,000.