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Our investments are handled by our President and in-house expert, Laurie Renton. For all investment and wealth manement related topics, Click here to Contact Laurie directly.

Mutual Funds

A mutual fund is an investment allowing people to pool their money in a collection of stocks, bonds, and other securities. Each investor owns units that represent a portion of the fund’s holdings. When the mutual fund increases in value, you share that profit proportionally with everyone in the fund.

Mutual funds can offer the advantages of diversification and professional management. But, as with other investment choices, investing in mutual funds involves risk. It pays to understand both the upsides and the downsides of mutual fund investing and how to choose products that match your goals and tolerance for risk. We can help you make the right decision for you! Some attractive investment choices will include professional management, diversification, affordability and liquidity. Visit us today to find out how we can make mutual funds work for you, safely and securely.

Equity Mutual Funds are used primarily for growing your money over a longer period of time. “Market risk” poses the greatest potential danger for investors in stock funds. Stock prices can fluctuate for a broad range of reasons — such as the overall strength of the economy or demand for particular products or services. Not all stock funds are the same and we can guide you through the process of what is and isn’t right for you.

Bonds Funds are simply a loan, but in the form of a security. They are usually issued by the government or corporations like IBM or General Motors. By issuing bonds, these borrowers can raise money from the public. Bond funds are known to be less risky than stock funds, as they don’t have as many variables. However, you should be well educated before you decide to invest in bond funds.

*Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund’s Simplified Prospectus before investing. Mutual fund securities are not guaranteed, their values change frequently and past performance may not be repeated.

Guaranteed Investment Certificates (GIC’s)

GICs are secure investments that guarantee to preserve your money. Your investment earns interest, at either a set or a variable rate, or based on a market-linked formula. Some benefits of GIC’s would include:

• Security and safety–both your original investment and interest payments are guaranteed
• Competitive interest rates–guaranteed for the full term of the investment
• Flexible investment terms–ranging from one day to five years, seven years and ten years

Principal Protected Deposit Notes

Principal Protected Deposit Notes are investments that guarantee their principal when held to maturity. PPNs are linked to potentially higher performing investments such as mutual funds, equities, and commodities, unlike other fixed term products. Also known as “principal-protected products” and “principal-protected securities,” these investments are tailored for risk averse investors wishing to protect their investments while participating in gains from favorable market movements.

Principal Protected Notes (PPNs) provide an investment alternative for investors who want to participate in market growth but are uncomfortable with volatility. Guaranteed principal, growth potential and RRSP eligibility are just a few of the benefits PPNs have to offer.

Available in a wide variety of terms, features and maturity dates, there is a note that can meet any investors’ specific needs.

*Principle Protected Notes (PPNs) are not similar to GICs or Segregated Funds. Commissions, management fees, structuring costs, guarantee fees and redemption fees may be associated with PPNs. Please read the Information Statement and any Information Supplements before investing. Returns are based on the underlying investment and are not guaranteed. In no way does an investment in a PPN reflect a direct investment in the underlying asset. The principal is guaranteed only at maturity. Prior to maturity the values may change frequently and the past performance of the underlying investment(s) may not be repeated. PPNs have a complex structure and Investors should consult, to the extent necessary, their own independent tax, financial and related professionals as to the merits of investing in PPNs. The nature and construction of a PPN makes them suitable for Investors with a long term time horizon.