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Your Risk Tolerance Level: 218 It appears you have not completed the Risk Tolerance questionnaire.

Fill in the questionnaire now to determine which Portfolio Profile is most appropriate for your financial situation. 0 Guaranteed Investment Portfolio 1 - 130 Cautious with very low risk tolerance 131 - 160 Conservative with low risk tolerance 161 - 190 Moderate with average risk tolerance 191 - 230 Balanced with above average risk tolerance 231 - 260 Aggressive with high risk tolerance >260 Sophisticated with very high risk tolerance

Balanced with above average risk tolerance

The Balanced portfolio is designed for those investors who want a balance between portfolio growth and income at slightly higher than average volatility levels. This portfolio consists of 55% in equities for registered accounts and 60% in non-registered accounts. This portfolio is appropriate for middle-of-the-road investors who are interested in long-term growth but recognize the need for some stable investments with reduced risk levels for personal comfort.

Implementing Your Perfect Balance

Our Solutions utilize modern portfolio management techniques to maximize your portfolio returns and minimize your risk. "Perfect Balance" in your portfolio is achieved through proper diversification and by properly combining investments which have low correlations with each other.

Now that we have determined your proper asset types, the next step is to ensure your portfolio is properly diversified in the following areas: Country Canada, United States, Europe and other major markets in the world Asset Type Stocks, Bonds, Mortgages, Real Estate and Money market Asset Quality Preferred and Common Shares of companies, Small, Medium and Large Company stock, and various durations of government and corporate debt securities Sector Energy, Materials, Industrials, Consumer Discretionary, Consumer Staples, Health Care, Financials, Information Technology, Telecommunication Services, and Utilities represent some of the sectors you can invest in to diversify your portfolio Management Style Top-Down (focus on economic outlook), Bottom-up (focus on individual companies), Growth (focus on rapidly growing companies), Value (focus on companies currently under performing opposite their expected long-term value), and alternative styles of management. By investing in a wide variety of assets and investment styles you reduce risk in your investment portfolio. NOTE: Any amount that is allocated to a segregated fund is invested at the risk of the policy holder and may increase or decrease in value.