Desjardins simulator

Desjardins Insurance, life, health, retirement.

Discover which Investment Solution is right for you

Answer the questions below to find the Investment Solution that matches your profile.

Investment horizon

How old are you?

When do you plan to start withdrawing money from your investments?

In the short and medium term (3 to 5 years), are you planning to:

Financial situation

Which statement best describes your current financial situation?

Precarious

I don’t earn much income and it’s irregular. I can put very little or no money aside.

Variable

I have some big loans (mortgage, car, etc.) I don’t have much disposable income to put into savings.

Stable

My income is stable. If I have any loans, I have started to pay them back and am putting some money aside.

Defined

My financial situation is well-defined. If I have any loans, they’re almost all paid off and I am putting money aside regularly.

Solid

I earn more than I spend. I am able to save a large portion of my income and am financially secure.

What is your investment portfolio worth today?

Risk tolerance

How much do you know about investing?

Nothing or very little

It’s all new to me.

Not much

I know some of the basics and that some investments are riskier than others.

Average

I’m familiar with the main types of investment vehicles and their risk levels.

Advanced

I’m familiar with investment funds, stocks and bonds. I understand the relationship between the different levels of risk and different types of investments, and how they can fluctuate over time.

Expert

I have a good understanding of the financial markets and how they fluctuate and can impact the performance of my investments.

If the value of your portfolio dropped below your initial investment after 12 months, how would you modify your investment strategy?

How big a drop in the value of your investments could you tolerate during a period of turbulent market conditions?

Are you comfortable with the following statement “I can tolerate significant upward and downward movements in the value of my investments if there is a possibility for higher returns in the long term.”?

The graph below shows possible scenarios for the value of an initial deposit of $10,000. Which one would you be most comfortable with?

Some of the features of a guaranteed investment fund contract may not suit someone with a Maximum Growth investor profile.

Are you thinking about purchasing a GIF contract with a Guaranteed Lifetime Withdrawal Benefit?

Conservative

You want to protect your assets. You’re at a stage where your life, your obligations and your income are changing and you can’t assume a high level of risk.

The expression “a bird in the hand is worth two in the bush” sums up your investment philosophy of betting on a sure thing.

20% Equities 80% Fixed Incone Securities
Your Investment Solution

Moderate

You’re ready to diversify your investments provided your portfolio’s level of risk doesn’t keep you up at night.

You’re prepared to risk a small percentage of your investments. You’d like the value of your investments to grow while they generate income.

35% Equities 65% Fixed Incone Securities
Your Investment Solution

Balanced

For you, investing means preserving part of your capital and growing the rest by putting it into riskier vehicles.

A balanced approach seems to be the best strategy for you. You select your investments based on capital gains and the moderate income they generate.

50% Equities 50% Fixed Incone Securities
Your Investment Solution

Growth

Given your experience, knowledge of financial markets and financial situation, an aggressive investment strategy is right for you.

However, you still want to preserve part of your capital and invest a small portion of your portfolio in fixed-income investments.

65% Equities 35% Fixed Incone Securities
Your Investment Solution

Maximum growth

You remain calm and patient in periods of extreme turbulence and stay focused on the long term. As you’re financially stable, you are ready for more volatile investments because you believe that you’ll have a better chance of achieving your goals.

You don’t rely on your investment returns as a source of income to help you maintain your standard of living.

80% Equities 20% Fixed Incone Securities
Your Investment Solution

All information presented on this site is for illustration purposes only and is in no way an indication of past performance or future results.

On this site, the reader is both the Contract Owner and the Annuitant. If in your case these are not the same person, please see the Contract and Information Folder.

Click on the underlined terms in green to access their definition. These are defined terms of the Helios2 Contract that can be found in the glossary of the Contract and Information Folder.

The Contract and Information Folder (PDF, 2.66 MB) contains important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios2 and the DFS Guaranteed Investment Funds. Please note that our defined terms can be found in the Contract and Information Folder. Please read it carefully before investing.

Helios2 is a trademark owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds is a registered trademark owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company.

DFS stands for Desjardins Financial Security.

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Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.