Investment Profile Questionnaire Investment Profile Questionnaire
The investor profile questionnaire is a tool that allows the advisor and the client to discuss risk tolerance issues. I understand that the results of this questionnaire do not constitute an investment recommendation or allocation by ivari and any of its affiliates or subsidiaries. ivari has developed this questionnaire to assist in developing guidelines for assisting with the suitability of certain options within a universal life policy. This questionnaire does not form part of a contract or policy and should be completed with the assistance of an insurance advisor. All calculations are based on assumptions believed to be reasonable at the time of development. ivari and/or its affiliates are not acting in the capacity of an insurance advisor. ivari and/or its affiliates cannot be held responsible for any damages resulting from the use of this questionnaire by me or any other person.
Investment income within a universal life policy is interest income; however, all income (within certain limits) is tax deferred.
While universal life is usually a long-term investment vehicle; there are options that allow access to cash in the short term. Please speak with your advisor about these features, including tax and surrender charges considerations with respect to universal life insurance.
ivari is not liable to account to Owners for any revenue which arises from its activities in relation to the policy. ivari, for its own account, generally purchases a wholesale series of the same fund constituting the Designated Index. ivari derives a margin as fees and expenses attributable to a wholesale series are lower than those reflected in the retail series of the Designated Index.
Index Interest Option Fee is guaranteed not to change. Where applicable, the management fees and expenses (MER) and related taxes for the underlying designated index will apply.
The ivari CI Portfolios are managed by CI Investments Inc. on behalf of ivari.
™ivari and the ivari logos are trademarks of ivari Holdings ULC. ivari is licensed to use such marks.
Copyright © 2017, ivari. All Rights Reserved.
| Investment Profile | Target Asset Mix | Index Interest Options | ||
|---|---|---|---|---|
| Income | Equities | Managed | ivari Asset Allocation Portfolios | |
| Conservative | 55% - 80% | 20% - 45% | ivari CI Conservative Portfolio | ivari Asset Allocation Portfolio Conservative |
| Moderate | 35% - 55% | 45% - 65% | ivari CI Balanced Portfolio | ivari Asset Allocation Portfolio Balanced |
| Aggressive | 15% - 35% | 65% - 85% | ivari CI Growth Portfolio | ivari Asset Allocation Portfolio Growth |
| Very Aggressive | 0% - 15% | 85% - 100% | ivari CI Maximum Growth Portfolio | ivari Asset Allocation Portfolio Aggressive Growth |
| Investment Profile | Target Asset Mix | Index Interest Options | ||
|---|---|---|---|---|
| Income | Equities | Managed | ivari Asset Allocation Portfolios | |
| Conservative | 55% - 80% | 20% - 45% | ivari CI Conservative Portfolio AGF Elements Conservative Portfolio Franklin Quotential Balanced Income Portfolio |
ivari Asset Allocation Portfolio Conservative |
| Moderate | 35% - 55% | 45% - 65% | ivari CI Balanced Portfolio AGF Elements Balanced Portfolio Franklin Quotential Balanced Growth Portfolio |
ivari Asset Allocation Portfolio Balanced |
| Aggressive | 15% - 35% | 65% - 85% | ivari CI Growth Portfolio AGF Elements Growth Portfolio Franklin Quotential Growth Portfolio |
ivari Asset Allocation Portfolio Growth |
| Very Aggressive | 0% - 15% | 85% - 100% | ivari CI Maximum Growth Portfolio AGF Elements Global Portfolio Franklin Quotential Diversified Equity Portfolio |
ivari Asset Allocation Portfolio Aggressive Growth |
You have now completed the My Investment Profile questionnaire. Below you will find a report detailing investment portfolio options based on the information you provided.
This is a good place to start when meeting with your advisor about products that will meet your investment savings needs within a universal life policy.
To create an estate for my beneficiaries by accumulating wealth that will be transferred tax-free upon death
$50,001 - $80,000
Full-time
Some familiarity
1% to 3%
$9,700 - $17,100
10 - 15 years
Low
* If your investment profile is Very Conservative, you should consider investments with a target mix of 80-100% income and 0-20% equities. You may also want to consider Fixed-Rate Interest Options (1-, 5- and 10-year) or Treasury Bill Interest Options.
Investment income within a universal life policy is interest income; however, all income (within certain limits) is tax deferred.
While universal life is usually a long-term investment vehicle; there are options that allow access to cash in the short term. Please speak with your advisor about these features, including tax and surrender charges considerations with respect to universal life insurance.
ivari is not liable to account to Owners for any revenue which arises from its activities in relation to the policy. ivari, for its own account, generally purchases a wholesale series of the same fund constituting the Designated Index. ivari derives a margin as fees and expenses attributable to a wholesale series are lower than those reflected in the retail series of the Designated Index.
Index Interest Option Fee is guaranteed not to change. Where applicable, the management fees and expenses (MER) and related taxes for the underlying designated index will apply.
The ivari CI Portfolios are managed by CI Global Asset Management on behalf of ivari.
™ivari and the ivari logos are trademarks of ivari Holdings ULC. ivari is licensed to use such marks.
Copyright © , ivari.
All Rights Reserved.
