{"id":4762,"date":"2019-05-13T15:00:19","date_gmt":"2019-05-13T19:00:19","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/?p=4762"},"modified":"2019-05-13T15:00:19","modified_gmt":"2019-05-13T19:00:19","slug":"select-the-investments-that-are-right-for-you","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/en\/personal\/investment\/select-the-investments-that-are-right-for-you\/","title":{"rendered":"Select the investments that are right for you"},"content":{"rendered":"<p>You\u2019re now on the final step of your investment approach: choosing the investments that best meet your investment objectives and your investor profile.<\/p>\n<p>When it comes to investments,\u00a0<strong>diversification<\/strong>\u00a0is the golden rule. Diversification consists in having a portfolio with investments with different features. These are:<\/p>\n<ul>\n<li>type of investment (e.g., stock bond)<\/li>\n<li>maturity date (e.g., 1 year, 5 years)<\/li>\n<li>issuer (e.g., governments, private corporation)<\/li>\n<li>liquidity<\/li>\n<\/ul>\n<h3>Exemple<\/h3>\n<p>Let\u2019s say you have $20,000 to invest. If you put it all in an international equity fund, your portfolio then becomes vulnerable to foreign market fluctuations. If, on the other hand, you spread the amount out among several types of investments\u2014term savings, bonds, dividend funds, Canadian and foreign equity funds\u2014you increase your chances of obtaining a good overall return no matter what the market conditions.<\/p>\n<p>It\u2019s important to understand that the major investment categories (liquid assets, bonds, shares) do not all earn value the same way, nor at the same rate. That\u2019s why it\u2019s wise to diversify and have a wide variety of investments. This way, you always make the most of market fluctuations.<\/p>\n<h3>If you\u2019d like some help<\/h3>\n<p>A financial planner can provide a structured action plan to help you meet your personal and financial objectives. To find out if a financial planner is trustworthy, get the answer to 3 specific questions. See:\u00a0<a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/placements\/comment-choisir-un-planificateur-financier\/\" target=\"_blank\" rel=\"noopener\">Choosing a financial planner<\/a>.<\/p>\n<h3>Did you know?<\/h3>\n<p><strong>Leveraging<\/strong> consists in borrowing to invest. You can, for example, borrow to invest in your RRSP. If you can get a higher return on your investments than it is costing you to borrow, then leveraging can be to your advantage. On the other hand, high-yield investments have a higher level of risk. Consequently leveraging becomes riskier. Before you borrow to invest, be sure to discuss it with your financial planner.<\/p>\n<p>See article:\u00a0<a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/reer\/emprunter-pour-cotiser-a-un-reer\/\" target=\"_blank\" rel=\"noopener\">Borrow to contribute to an RRSP<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re now on the final step of your investment approach: choosing the investments that best meet your investment objectives and your investor profile. When it comes to investments,\u00a0diversification\u00a0is the golden rule. Diversification consists in having a portfolio with investments with different features. These are: type of investment (e.g., stock bond) maturity date (e.g., 1 year, [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":3858,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[116],"tags":[],"class_list":["post-4762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Select the investments that are right for you | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/en\/personal\/investment\/select-the-investments-that-are-right-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Select the investments that are right for you | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"You\u2019re now on the final step of your investment approach: choosing the investments that best meet your investment objectives and your investor profile. When it comes to investments,\u00a0diversification\u00a0is the golden rule. Diversification consists in having a portfolio with investments with different features. 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