A protected savings option with guaranteed principal and interest.

Benefits of a term deposit:

• Can have different maturities up to five years
• Offers a choice of cashable, redeemable or non-redeemable
• Can have a guaranteed interest rate or market-based return with a guaranteed principal
• A great way to save or protect yourself against inflation
• All deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia.

Reduce your tax bill with these savings plans - TFSA, RRSP, RRIF, RESP and RDSP.

Tax-Free Savings Account (TFSA): ​Your savings will grow tax-free and you won’t pay taxes when you withdraw funds. Benefits:

• Grow your money tax-free
• Pay no tax when you withdraw funds
• Save for short-term goals with flexibility.

Registered Retirement Savings Plan (RRSP): Opening a RRSP is a good first step in preparing for your retirement. Benefits:

• Defer taxes until your marginal tax rate is lower
• Save taxes by reducing your taxable income
• Take advantage of income splitting.

Mutual funds are professionally managed investments that pool your money with other investors to provide access to a full array of investment types and effective diversification. 

Benefits of mutual funds:

• ​Professional management
• Tax efficiency
• Diversification
• Liquidity
• Accessibility
• Convenience

Stocks—also referred to as equities—represent ownership in a company where you have an opportunity to participate in the success of the company in either the form of dividends or capital gains which are more tax efficient than interest for most Canadians.

A bond is essentially a loan to the government or corporation. Bonds have a prescribed income stream and face value which is paid at maturity.

Responsible investment (RI) is the integration of environmental, social and governance factors (ESG) into the selection and management of investments.

Responsible investments may be right for you if:

• You are concerned about environmental risks, such as issues like species extinction, pollution and climate change.
• You are concerned about social risks, including human rights, worker safety and aboriginal rights.
• You are concerned about governance risks and the way companies are run.

As a member of Gulf & Fraser, through Credential Securities, you can choose from these low-fee investing solutions:

• Lower fee mutual funds*
• Fee-based investing*
• Exchange traded funds (ETFs)*
• Self-directed investing*

Get access to:

Qtrade Guided Portfolios^® – simple and convenient digital investing service that provides you with a professionally managed, low-cost portfolio to match your personal financial goals, timeline and risk tolerance.

Qtrade Direct Investing^TM – online investing services from one of Canada's best online brokers. If you prefer to self-manage your investments, Qtrade Investor empowers you to reach your investment goals.