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Start investing

As a member of Gulf & Fraser, you have access to a variety of investment products that will help you achieve your financial goals.

The type of investment you choose depends on your personal needs and goals.

4 steps to start investing with guidance from Gulf & Fraser

  1. We'll listen to you to get a better sense of your current financial situation, priorities and goals. Are you saving for a large purchase? Do you want to pay down debt?
  2. We'll determine which investment solutions are best for you. Credential Securities and Credential Asset Management Inc. will consider your time horizon, risk tolerance, and what funds you'll need to have available in the short term.
  3. We'll work closely with you to develop a customized plan to meet your financial goals. We will help you craft a financial plan based on your unique situation and goals. This is what we call your Smart Money Plan™.
  4. We'll make sure you stay on track. Once you have your Smart Money Plan™ set up, it's important that we meet with you regularly to make sure you're on track to meet your financial goals.

Not sure which investment option is right for you?

Our Credential Asset Management Inc. or Credential Securities investment specialists can help you create a plan. 

Whether you have $500, $1,000 or $5,000 you’d like to invest, you have many options to choose from to start growing your money. Our investment specialists will help you decide what will fit you best.

Here’s a list of investment products and options available to you:

Term deposit

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 InvestingTM  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.

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See your investment options with Gulf & Fraser

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Gulf & Fraser offers competitive interest rates

*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and trademarks of Aviso Wealth Inc. and its subsidiaries. Qtrade Guided Portfolios is a trade name of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. 


Talk to Gulf & Fraser about the investment that's right for you

Zaiba Riaf, Investment Specialist, Gulf & Fraser, Credential Asset Management Inc.

Book an appointment – we’d be happy to come to you!

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Mutual funds are offered through Credential Asset Management Inc.