Mutual funds, stocks, and bonds

Selecting the mix of mutual funds, stocks, and bonds that feels right for your portfolio can be a bit daunting. But take a deep breath. Now hold it. And slowly exhale. Not only do we have a range of products available to match your goals and risk tolerance, we have investment professionals on-hand to help you through the decision-making process. So you’ll never feel like you’re walking the mutual fund, stocks, and bonds path alone.

When it comes to investing, the old saying about not putting all your eggs in one basket holds true. Successful investors know that diversifying investments can help reduce the impact a single, poorly performing investment can make on their overall portfolio. As such, diversification means having different kinds of investments, such as stocks, bonds, mutual funds, and term deposits. It also means having a mix of investments in different industries and investing globally.

If all of this sounds overwhelming, it needn’t. Working with an investment professional, the first step is to determine your investment mix – a process called asset allocation.

A moderate asset allocation, for example, is most suitable for members with a medium-term investment horizon (approximately 10 years or longer) who have a moderate tolerance for risk, and who are looking to achieve a moderate level of growth. A conservative asset allocation, on the other hand, is most suitable for investors with a short-term investment horizon, whose risk tolerance is low, and whose primary investment goals are generating income and protecting against inflation.


Sample of moderate asset allocation (Otherwise known as: A certain egg mix in certain baskets.)

Sample of conservative asset allocation (Otherwise known as: A certain other egg mix in certain other baskets.)

* These pie charts represent sample asset allocations. They should not be interpreted as investment advice. Your own allocation decisions must take into account your individual circumstances. And, as your circumstances change, your allocation decisions should be reviewed and adjusted as needed.

To learn more about investing and how diversification can help you meet your goals and make your money work harder, meet with one of our investment professionals.


Credential disclosure and mutual funds disclaimer .

 

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