What You Should Know

Investor's Checklist

What is my current investment status?

  1. Do I currently have any savings and investments?
  • No
  • Yes
    If yes, what percentage of my investments are in:

    ____ % Cash or cash equivalents (savings accounts, money market funds)

    ____ % Bonds or Bond funds

    ____ % Shares, share funds, or shares in the company I work for?

2.    Is the total of my investment in cash, bonds, and bond funds less than 15% or 20% of my total investments?

  • Yes
  • No

3.    I have a lump sum to invest.

  • Yes
  • No

4.    I expect to invest on a regular basis.

  • Yes
  • No

Perspective:

Most personal financial advisors recommend that investors maintain a diversified investment portfolio consisting of bonds, shares and cash in varying percentages, depending upon individual circumstances and objectives. For example, older or retired investors may typically have a higher proportion of bonds in their portfolio than younger investors. Whether you already have investments in shares or bonds or are just beginning to invest, diversity can provide some protection for your portfolio, so if one sector or asset class is in the midst of a cyclical downturn, the rising value of another class of assets may help offset the negative impact.

These materials have been prepared for informational purposes only and do not constitute investment advice of any kind, or an offer to buy, sell or promote any products or services. No investment decision should be made based on these materials. Please read our Terms & Conditions of Use