Investor profile
This questionnaire will help you select funds that best suit your investor profile.
SSQ Insurance offers a simple, yet effective solution. First, take a few minutes to answer the enclosed questionnaire. Second, follow the instructions to analyze your results. Third, you will be able to identify the SSQ Strategy and Celestia Guaranteed Investment Funds (GIF) that best match your investment needs.
Each SSQ Strategy and Celestia GIFs is designed to cater to a specific investor profile and includes a combination of specially-selected investment vehicles and fund managers. These funds allow you to automatically benefit from an asset mix carefully selected by expert fund managers to diversify your portfolio and maximize long-term investment growth. That way, you won't need to worry about making the wrong decision or investing on impulse!
For each question, choose the answer that best describes you.
ATTENTION! If you are a registered contractholder of the secure website for investment products and want your results to be recorded in your file, please open your session before completing this test.


Section 1 : Financial Position
Your finances
The more stable your financial position, the more you can consider taking risks that may help you realize significant gains. Conversely, if your financial position is more precarious or uncertain, it is preferable to select defensive securities that offer more modest, yet dependable returns.
a) Do you already have savings set aside for emergencies and your retirement?
No, I have little or no savings (under $10,000).5 pts
Yes, I have between $10,000 and $49,999 in savings.10 pts
Yes, I have between $50,000 and $99,999 in savings.15 pts
Yes, I have $100,000 or more in savings.20 pts
b) What is your net worth (the total value of your assets and property, less the value of all your debts)?
Less than $50,0005 pts
Between $50,000 and $149,99910 pts
Between $150,000 and $299,99915 pts
$300,000 or more20 pts
c) What is your current salary?
Less than $30,0005 pts
From $30,000 to $49,99910 pts
From $50,000 to $74,99915 pts
$75,000 or more20 pts
d) Do you believe that you would make a withdrawal in the future from your retirement savings for purposes other than your retirement?
Yes, I will make a withdrawal from my retirement savings in the future.5 pts
Yes, I may make a withdrawal from my retirement savings in the future.10 pts
No, I don't believe I 'll make a withdrawal from my retirement savings in the future.15 pts
Your age and the number of years left until you retire
When investing, it is important to establish your investment time horizon. If you want to be able to have access to your investments in the short term, you should choose more conservative investments, for which you do not risk losing capital. However, if your vision is more long-term, you can choose investment products with a higher level of risk that offer good long-term results.
e) What is your age group?
Under 3010 pts
30-3920 pts
40-5415 pts
55-6510 pts
65+5 pts
f) In how many years do you think you will retire?
Less than 5 years5 pts
5 to 9 years10 pts
10 to 19 years15 pts
20 to 29 years20 pts
Over 30 years25 pts
Section 2 : Investor Personality
Your investment objectives
What you hope to get out of your investments obviously has an influence on your investment choices. Whether you are looking for security, regular income, or short- or long-term growth, an investment vehicle exists that matches your needs and expectations.
g) What is your main investment objective?
Capital preservation5 pts
Capital preservation and regular income10 pts
Income and medium to long-term capital growth15 pts
Medium to long-term capital growth20 pts
h) What type of portfolio would be best for you?
Guaranteed and safe investments only5 pts
Mainly guaranteed and safe investments; some equity exposure10 pts
Balance of guaranteed and safe investments vs. equities15 pts
Equities20 pts
Your knowledge of finances
If you are knowledgeable about the investment world, you are aware of the risks related to your investments because you are informed about markets and companies. However, if you have a more limited knowledge of markets and investments, it is preferable to opt for low risk investments that match your investor profile.
i) Which statement best describes your investment knowledge?
I have little knowledge of the markets, stocks and other investment vehicles.5 pts
I am familiar with the major investment products.10 pts
I stay on top of the latest financial news and can easily distinguish between financial products.15 pts
I have a very good knowledge of financial markets and the investment world, and monitor my portfolio closely.20 pts
Your level of risk tolerance
Segregated funds composed in whole or in part of securities are, by definition, risky, as they are subject to stock market volatility and changing economic situations of countries. Therefore, if you want to invest in this kind of fund you must be comfortable with the value of your portfolio fluctuating.
j) Are you comfortable with the idea that your capital may fluctuate and have periods of decline?
No, I wouldn't like to incur any losses. I prefer to increase my capital slowly but surely.5 pts
No, I would change my portfolio during a market downturn.10 pts
Yes, I would accept a decrease in value and some volatility, but I would still be worried.15 pts
Yes, because I know that my returns will be favorable in the long term.20 pts
k) What would you do if the value of your shares declined sharply?
I would sell everything at a loss to avoid further losses.5 pts
I would sell part of my shares and keep the rest.10 pts
I would keep all my shares, hoping that their value would rise again.15 pts
I would buy other shares to capitalize on their low valuations.20 pts
l) You want to invest $10,000. Based on the following one-year returns, which investment would you choose providing its value would be between:
Investment A (between $10,300 and $10,800)5 pts
Investment B (between $9,000 and $12,000)10 pts
Investment C (between $8,000 and $14,000)20 pts
 
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value.