Improve the Return on Your Investments

Typically, the potential return on an investment increases with the level of risk associated with that investment. So to increase potential return, you have to assume a higher risk.

Ideally, your objective should be to maintain the right balance between risk and return. To achieve this, you need the right combination of cash assets, fixed-income investments and equities.

Cash Assets

Cash assets are easily converted into money that can be used in an emergency or to take advantage of another investment opportunity. And that's a good thing. But it's important to remember that too much cash limits the potential return on your portfolio.

The most popular investments in this category are:

  • savings accounts
  • money market funds
  • redeemable guaranteed investment certificates (GICs)
  • government savings bonds.

Fixed-Income Investments

Fixed-income investments have two primary objectives: generate income and provide capital security. With these investments in your portfolio, you're sure to get stable returns as well as income.

The most popular investments in this category are:

  • bond and mortgage funds
  • non-redeemable guaranteed investment certificates (GICs)
  • dividend funds
  • strip coupons.


Since equities are listed on the stock market, they are governed by the law of supply and demand and are subject to price variations. These variations can result in higher returns. In a balanced portfolio, equity investments help increase the value of your portfolio.

The most popular investments in this category are:

  • company shares
  • equity funds
  • index funds
  • variable return guaranteed investment certificates (GICs)
  • specialized funds.

To see how you could improve the return on your investments, click on your investor profile.

If you don't have an investor profile, or if you think your profile may have changed, go to the Personalized Investment Plan (PIP).