Whatever your stage of life, successful investment planning takes 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.

These 17 questions will help you understand your investment profile and enable you and your financial security advisor and investment representative to develop a personal investment plan that suits your needs and goals.

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

Please note Harmony Score System 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.

Your financial security advisor and investment representative can help you create a plan to meet your investment needs.

Note: All investment profiles are designed with diversification as a foundational baseline.

Harmony Score is an Estimate based on the data that you have provided.