pivotal select understanding your investor profile · 2021. 6. 5. · 35% 602 702 1202 3002 5002...

PIVOTAL SELECTTM

Understanding your Investor Profile

SEGREGATED FUNDS Savings and Retirement

Investing in fixed income and equity securities is not without risk. Financial markets can rise and fall and investment decisions revolve around the risk/return trade off you are willing to assume. Before investing it is important to understand your financial goals, attitudes towards risk and time horizon; to help you determine what investments suit you.

UNDERSTANDING YOUR INVESTOR PROFILE | PIVOTAL SELECT EQUITABLE LIFE OF CANADA2

Equity

Fixed Income or Guaranteed Interest Account

Risk

Retu

rn

1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative

3. Moderate Conservative

4. Balanced

5. Growth

6. Aggressive Growth

10

770

0%

660%

% 60%

40

10

880

0%

WHAT IS AN INVESTOR PROFILE?

An Investor Profile is a summary of an investor’s financial goals, financial situation, time horizon, and risk tolerance. It can help investors, like you, select appropriate investments. In general terms, your profile defines the level of risk you are willing to take. For example, if you need to protect your money and have a short time horizon, you may follow a more conservative portfolio. If you have a longer time horizon and are focused on growing your money, you may follow a more aggressive equity-based portfolio.

EQUITABLE LIFE OF CANADA UNDERSTANDING YOUR INVESTOR PROFILE | PIVOTAL SELECT 3

Equity


Risk

Retu

rn

1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative


4. Balanced

5. Growth


10

770

0%

660%

% 60%

40

10

880

0%

Please see the Investor Profile Questionnaire to determine your risk profile

4

WHERE CAN I GET MY INVESTOR PROFILE?

The best way to get your investor profile is from Equitable Life’s Investor Profile Questionnaire. Equitable’s Questionnaire will ask you a series of questions. Based on your response, a score will be given. Use this score to determine your investor style from the matrix provided. The matrix will help you uncover your investor profile.

WHAT CAN I DO WITH MY INVESTOR PROFILE?

By knowing your Investor Profile, you are now ready to take the next step of building your portfolio. Building a portfolio doesn’t need to be hard work now that you know the types of investments you should be looking at. Let’s take a look at investment solutions for different investor styles.

Portfolio solutions can offer instant diversification. With a single fund, you can invest in fixed income and equity securities around the world. Equitable Life’s Pivotal Select gives you access to multiple portfolio solutions from multiple fund managers.

PORTFOLIO SOLUTIONS

Our product line-up also allows you to build your own customized solution. Pivotal Select offers you a choice of more than 30 funds, including all major asset classes as well as many domestic and foreign focused funds.

The custom portfolios are for illustration purposes only. Consult with your advisor to determine the appropriate portfolio solution for you.

CUSTOM PORTFOLIOS

UNDERSTANDING YOUR INVESTOR PROFILE | PIVOTAL SELECT EQUITABLE LIFE OF CANADA

5

MINIMAL RISK

Definition of a minimal risk investor You have a very low tolerance for risk. You are unable to tolerate any investment losses or you

have a very short investment time horizon. You prefer knowing that your capital is safe. You

are willing to accept lower returns to protect your capital.

Investment Options• 100% guaranteed

(Daily Interest, Guaranteed Interest, Term Deposit Accounts)

Custom SolutionsN/A

Equity


Risk

Retu

rn1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative


4. Balanced

5. Growth


10

770

0%

660%

% 60%

40

10

880

0%

EQUITABLE LIFE OF CANADA UNDERSTANDING YOUR INVESTOR PROFILE | PIVOTAL SELECT

6

CONSERVATIVE

Definition of a conservative investor You have a low tolerance for risk and potential loss of capital. You have a short investment time

horizon. You are willing to accept some short term fluctuations. You accept small losses in your

investment portfolio in exchange for modest returns. The primary objective of your investment

portfolio will be to provide income by investing primarily in funds that invest in fixed-income

securities. Capital appreciation is not a priority. A small portion of your portfolio may be

invested in equity funds to provide the potential for some growth to offset the effects of inflation.

Investment Options• 30% equity

• 70% fixed income or guaranteed

Portfolio Solutions

Custom Solutions

Equity


Risk

Retu

rn

1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative


4. Balanced

5. Growth


10

770

0%

660%

% 60%

40

10

880

0%

Funds Allocation

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)

DSC NL LL NL-CB NL-CB5 DSC NL LL NL-CB NL-CB5 DSC NL LL NL-CB NL-CB5

Guaranteed Interest Account (GIA)

25% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

EL Mackenzie Income Fund Select

25% 641 741 1241 3041 5041 841 941 1341 3141 5141 1041 1141 1441 3241 5241

EL Dynamic Global Discovery Fund Select

15% 645 745 1245 3045 5045 845 945 1345 3145 5145 1045 1145 1445 3245 5245

EL Active Canadian Bond Fund Select

35% 602 702 1202 3002 5002 802 902 1302 3102 5102 1002 1102 1402 3202 5202

Portfolio Solution

Most Suitable Investment

Profile

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Quotential Diversified Income

Portfolio SelectConservative 623 723 1223 3023 5023 823 923 1323 3123 5123 1023 1123 1423 3223 5223

DSC = Deferred Sales Charge NL = No LoadLL = Low Load NL-CB, NL-CB5 = No Load CB


7

MODERATE CONSERVATIVE

Definition of a moderate conservative investor Your tolerance for portfolio volatility and loss of capital is low. You are willing to tolerate some

short-term fluctuations in your investment returns. You accept small losses of capital in exchange

for modest potential capital appreciation.


• 40% fixed income

• 20% guaranteed

Portfolio Solutions

Custom Solutions

Equity


Risk

Retu

rn

1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative


4. Balanced

5. Growth


10

770

0%

660%

% 60%

40

10

880

0%

Funds Allocation

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


Guaranteed Interest Account (GIA) 15% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

EL Mackenzie Income Fund Select 35% 641 741 1241 3041 5041 841 941 1341 3141 5141 1041 1141 1441 3241 5241

EL Invesco Global Bond Fund Select 20% 611 711 1211 3011 5011 811 911 1311 3111 5111 1011 1111 1411 3211 5211

EL Dynamic Equity Income Fund Select 30% 649 749 1249 3049 5049 849 949 1349 3149 5149 1049 1149 1449 3249 5249

Portfolio Solution


Profile

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Active Balanced Income Portfolio

Select

Moderate Conservative 638 738 1238 3038 5038 838 938 1338 3138 5138 1038 1138 1438 3238 5238

EL Fidelity® Tactical Asset Allocation Income Portfolio

Select


EL Quotential Balanced Income Portfolio Select



8

BALANCED

Definition of a balanced investor You have a moderate tolerance for risk and loss of capital. You are willing to tolerate some

fluctuations in your investment returns. You will accept moderate losses of capital. You have at

least a medium term investment time horizon. The objective of your portfolio will be to provide a

combination of income and long-term capital growth. Your portfolio will include at least 40% in

fixed income investments.



Portfolio Solutions

Custom Solutions

Equity


Risk

Retu

rn

1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative


4. Balanced

5. Growth


10

770

0%

660%

% 60%

40

10

880

0%

Portfolio Solution


Profile

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Active Balanced Growth Portfolio

SelectBalanced 639 739 1239 3039 5039 839 939 1339 3139 5139 1039 1139 1439 3239 5239

EL Active Balanced Portfolio Select Balanced 637 737 1237 3037 5037 837 937 1337 3137 5137 1037 1137 1437 3237 5237

EL Fidelity® Tactical Asset Allocation

Balanced Portfolio Select

Balanced 644 744 1244 3044 5044 844 944 1344 3144 5144 1044 1144 1444 3244 5244

EL Quotential Balanced Growth Portfolio Select

Balanced 622 722 1222 3022 5022 822 922 1322 3122 5122 1022 1122 1422 3222 5222

Funds Allocation

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Mackenzie Canadian Growth

Balanced Fund Select40% 635 735 1235 3035 5035 835 935 1335 3135 5135 1035 1135 1435 3235 5235

EL Active Canadian Bond Fund Select 30% 602 702 1202 3002 5002 802 902 1302 3102 5102 1002 1102 1402 3202 5202

EL Dynamic Global Discovery Fund Select 30% 645 745 1245 3045 5045 845 945 1345 3145 5145 1045 1145 1445 3245 5245


9

GROWTH

Definition of a growth investor You have a high tolerance for risk and loss of capital. You are willing to tolerate large

fluctuations in your investment returns. You are willing to accept moderate to large losses

of capital in exchange for potential long-term capital appreciation. You do not have any

significant income requirements from your investments. You have at least a medium term

investment time horizon.



Portfolio Solutions

Custom Solutions

Equity


Risk

Retu

rn

1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative


4. Balanced

5. Growth


10

770

0%

660%

% 60%

40

10

880

0%

Portfolio Solution


Profile

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Quotential Growth Portfolio

SelectGrowth 625 725 1225 3025 5025 825 925 1325 3125 5125 1025 1125 1425 3225 5225

Funds Allocation

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Bissett Dividend Income Fund Select 45% 616 716 1216 3016 5016 816 916 1316 3116 5116 1016 1116 1416 3216 5216

EL Dynamic Global Discovery Fund Select 40% 645 745 1245 3045 5045 845 945 1345 3145 5145 1045 1145 1445 3245 5245

EL Mackenzie Unconstrained Fixed Income Fund Select

15% 646 746 1246 3046 5046 846 946 1346 3146 5146 1046 1146 1446 3246 5246


10

AGGRESSIVE GROWTH

Definition of an aggressive growth investor Your tolerance for risk, portfolio volatility and investment losses is very high. You are willing to

tolerate potentially significant and sustained price fluctuations. You are willing to accept large

losses of capital. You have extensive investment knowledge. You have no income requirements

from your investments and have a long investment time horizon.


Portfolio Solutions

Custom Solutions

Equity


Risk

Retu

rn

1. Minimal Risk

100%

70%

30%

60%

40% 60%

40%

80%

100%

20%

2. Conservative


4. Balanced

5. Growth


10

770

0%

660%

% 60%

40

10

880

0%

Portfolio Solution


Profile

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Quotential Diversified Equity Portfolio Select

Aggressive Growth 624 724 1224 3024 5024 824 924 1324 3124 5124 1024 1124 1424 3224 5224

Funds Allocation

Fund Codes

INV (75/75) EST (75/100) PRO (100/100)


EL Canadian Stock Fund Select 40% 603 703 1203 3003 5003 803 903 1303 3103 5103 1003 1103 1403 3203 5203

EL Dynamic American Fund Select 30% 647 747 1247 3047 5047 847 947 1347 3147 5147 1047 1147 1447 3247 5247

EL Invesco International

Companies Fund Select

30% 630 730 1230 3030 5030 830 930 1330 3130 5130 1030 1130 1430 3230 5230


Any amount that is allocated to a segregated fund is invested at the risk of the owner and may

increase or decrease in value. Segregated fund values change frequently and past performance does

not guarantee future results. Professional advice should be sought before an investor embarks on any

investment strategy. Investors do not purchase an interest in underlying securities or funds, but rather,

an individual variable insurance contract issued by Equitable Life of Canada.

If you would like further details on the savings and investment opportunities available, please talk to your advisor.

1797(2021/06/01)

This information does not constitute legal, accounting or other professional advice. Readers are advised to seek professional counsel.® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada. Fidelity is a registered trademark of 483A

Bay Street Holdings LP. Used with permission.

The Equitable Life Insurance Company of Canada 1.866.884.7427 www.equitable.ca

Works for me.®

Canadians have turned to Equitable Life since 1920 to protect what matters most. We work with independent advisors across Canada to offer individual insurance, savings and retirement and group benefits solutions to meet your needs.

Equitable Life is not your typical financial services company. We have the knowledge, experience and ability to find solutions that work for you. We’re friendly, caring and interested in helping. And we’re owned by our participating policyholders, not shareholders, allowing us to focus on your needs and providing you with personalized service, financial protection and peace of mind.

pivotal select understanding your investor profile · 2021. 6. 5. · 35% 602 702 1202 3002 5002...

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