Education Centre

Learning path for self-directed investors who want to know more about financial markets and investing


You are looking for long-term growth potential with a moderate amount of risk. Your portfolio is evenly diversified among the various asset categories in order to take full advantage of market opportunities.


Fixed-income securities

  • Non-Redeemable GICs
  • Bond and dividend funds
  • Government, municipal and corporate bonds
  • Dividend funds
  • Strip coupons

With the exception of GICs, the return on these securities is affected by changes in interest rates if they are redeemed before maturity. Spreading out maturities of GICs over time stabilizes your interest income and gives you regular access to cash if you need it.


  • Equity funds
  • Variable Yield GICs
  • Corporate shares
  • Index-linked funds
  • Specialty funds

The risk level for this class varies considerably depending on the type of investments you select. For example, corporate shares and index-linked funds represent a moderate risk while shares of small-cap companies or funds specializing in a specific economic sector entail a much higher risk.

Foreign investments

Although foreign investments have the same features as those available here in Canada, their return is also influenced by the Canadian dollar's performance compared to other currencies. Geographic diversification lets you take advantage of the differing growth phases of various countries and also allows you to benefit from a greater potential return while reducing the risk level of your portfolio.

This simulation provides estimations only and does not involve the responsability of the National Bank or its affiliates in any way.

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