Valley First

Diversified Plan

This investment plan is for you if:

  • you're looking for higher returns.
  • you're unfamiliar with stock market investing.
  • you're not the type to put all your eggs in one basket.


Key Features & Benefits

You've probably heard it's important to have a diversified investment portfolio, but how can you find the right balance between higher and lower risk investments? The key is to have a properly allocated investment plan and then stick with that plan, rather than chase returns.

  • Generally, good investment portfolios are spread between three basic asset classes—stocks, bonds and cash. Each of these categories has an array of options
  • Find the investment allocation that works best together—try not to have a bunch of the same types of investments
  • By spreading out the risk, you lower the odds that all of your investments will lose money at the same time
  • Diversification works because it looks at long-term performance of the financial markets

At Valley First, our team of investment professionals can help you develop a customized plan to accomplish your financial goals.

How It Works

How a diversified plan can work for you

Say you have $10,000 to invest. You want that money to grow, but you don't want to risk your original principal. To accomplish that goal, you might:

  • Invest $8,339 in a five-year term deposit earning 3.7% interest per annum and you'll be guaranteed to receive $10,000 at the maturity date
  • Invest the remaining $1,661 of your initial $10,000 in mutual funds* offered through Qtrade Advisor and Qtrade Asset Management Inc., allowing you an opportunity for greater growth potential.

The investment values and rate of return shown are used only to illustrate the effects of the compound growth rate and the potential effects of diversification and are not intended to reflect future values of mutual funds or returns on investment in mutual funds.


Things to Consider

Determine what asset mix you should have based on your risk tolerance:

  • If you have a low risk tolerance, then the majority of your investments should be in safer or conservative investment holdings—for example, term deposits, bonds or segregated funds.
  • If you have a medium risk tolerance, then you should have about 50% of your investments in low risk holdings and 50% of your investments in a higher risk category with potentially greater returns.
  • If you have a high risk tolerance, then the majority of your investments could be put into higher risk holdings—for example, stocks & bonds or higher risk mutual funds.

Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. Mutual funds and related financial planning are also offered through Qtrade Asset Management Inc.

Consider investing online with our partner, Qtrade Investor—Canada’s best online broker. Contact us for more information or login to your Qtrade Investor account now. Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc.

Ready to invest? Creating an investment plan with us is easy!


Book an appointment online to meet with an investment specialist to reach your investment goals.

In Person

If you're more comfortable coming in to see us, we'd be happy to open a new investment account for you or make changes to your existing portfolio.

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