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Understanding your Risk Tolerance as an Investor

Some people may find sky diving thrilling; others would rather keep their feet on the ground. The difference between these individuals is quite likely their attitude towards risk – how willing they are to jump out of an airplane for an unforgettable thrill.

It is much the same when it comes to investing. Your attitude with respect to the potential of losing money and your ability to absorb a financial loss can be very different.

The risk of outliving your savings

Canadians are living longer and longer. Most of us will likely see our 80th birthday and a growing number of us are expected to live to 100. And while many of us do plan to keep working well after turning 65 — or even indefinitely — the majority are looking forward to some form of retirement when we hit our 60s.

That means we need to ensure that the nest egg we accumulate over our working life lasts long enough to support us through 30 or even 40 years of retirement.

learn more about how to protect yourself against the risk of outliving your savings, or what we call 'longevity risk.'

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The value of advice

In an effort to stay healthy, you make seeing your doctor a priority. Your doctor knows your medical history and, if there is a problem, can recommend a course of treatment. The same concept applies to your finances – regular checkups with an advisor can go a long way towards improving your financial health. Whether your goal is to reduce debt, buy a house, save for retirement or simply pay the bills, you don't have to go it alone.

Regardless of your stage of life or amount of wealth, you can benefit from the professional counsel and services of an advisor. In fact,71 per cent of advised households started working with an advisor when they had less than $50,000 in investable assets.1 Milestones such as buying a first home, starting a new job or having a child are all good opportunities to address new financial needs and begin working with an advisor.

To view the next steps click on the slides

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Frequently asked questions

Heda Investments has identified six client profiles — Equity Investor, Tax Wise Investor, Fixed Income & GIC Investor, Business Owner & Professional, Pre-Retiree, and Retiree — each reflecting a distinct set of goals, time horizons, and priorities. Review the profiles to find where you fit best. → Equity Investor → Tax Wise Investor → Fixed Income & GIC Investor → Business Owner & Professional → Pre-Retiree → Retiree

An IPS is a written document that defines your investment goals, risk tolerance, time horizon, income needs, and the constraints governing your portfolio — such as account types, tax considerations, and any restrictions. For Sunil's discretionary clients, the IPS is the governing document: it ensures your portfolio is managed consistently with your agreed strategy, even in volatile or uncertain markets.

Risk tolerance is assessed through a thorough Know Your Client (KYC) process that evaluates both your financial capacity to absorb losses and your emotional comfort with market volatility — two things that often differ significantly. Research consistently shows that investors overestimate their risk tolerance before a downturn. Sunil builds portfolios calibrated to both dimensions, not just one. → Book a portfolio review consultation

Research shows that investors who work with professional advisors accumulate significantly more wealth over time — not because of superior security selection, but because advisors prevent costly behavioural mistakes: selling during market downturns, chasing recent performance, and under-diversifying. A Portfolio Manager adds durable value through discipline, tax planning, and a structured investment process. → See what clients say — Testimonials

Absolutely. Life events — a business sale, an inheritance, retirement, a change in health, or new tax planning needs — can significantly shift your goals, income requirements, and risk tolerance. Sunil reviews each client's IPS regularly, ensuring the portfolio strategy evolves with your circumstances rather than remaining static and misaligned. → Book a consultation to review your investor profile