Mutual funds

Think of mutual funds* as a way you can save for your financial future.

Whether you are starting out or already have a growing portfolio, we can help you make informed choices. Through our partnership with Credential Asset Management Inc. and Credential Securities, Gulf & Fraser can provide you with access to the right mutual fund* solutions to help you reach your financial goals.

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. Diversification allows an investor to reduce the volatility of their investment portfolio while historically generating higher returns over the long run when compared to most guaranteed deposit products. Mutual fund* returns and income may not only include interest income, but also may consist of tax-efficient income such as dividends and capital gains from the fund's sale of securities.

Benefits of investing in mutual funds:*

Professional management

You have access to professional portfolio managers from different investment management companies who look for, and continually monitor, investment opportunities around the world.

Tax efficiency

You can minimize taxes and maximize your investment returns with the help of corporate class funds and funds with tax-efficient income streams.

Diversification

When you invest in a mutual fund* you are purchasing a bundle of underlying investment types in different sectors and countries. Diversification reduces the overall volatility of your portfolio.

Liquidity

You can redeem your mutual fund* at any time at the current market value.

Accessibility

You can purchase mutual funds* with a low initial or monthly amounts.

Convenience

Your dividends may be automatically reinvested. As well, the mutual fund company will keep track of your capital gains and provide tax reporting to you.

What does it cost to invest in a mutual fund?

Here's an example: if the average market value of your fund was $10,000 and the Management Expense Ratio (MER) was 2.5%, the cost to you would be: $10,000 x 2.5% MER = approx. $250 per year.

Start building your investment portfolio today.

Work with our accredited investment professionals to review your financial goals and your return and risk objectives. Get a customized investment plan that suits your individual needs.

Whether you are an aggressive, balanced or conservative investor, you can choose from a full array of mutual fund options.* Because we work with all Canadian mutual fund* companies, you can feel confident we will recommend a portfolio with your financial goals and best interests in mind.

You can rely on investment professionals to be with you through the entire investment process—from the initial mutual fund* recommendation to regular reviews. This will ensure you're on track to your meet goals and your investments are still suitable for you, no matter your individual circumstances.

Aviso Wealth Inc. (“Aviso Wealth”) is the parent company of Credential Qtrade Securities Inc. Aviso Wealth is a wholly-owned subsidiary of Aviso Wealth Limited Partnership, which in turn is owned 50% by Desjardins Financial Holdings Inc. and 50% by a limited partnership owned by the five Provincial Credit Union Centrals and the CUMIS Group Limited.

*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.

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 the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. There can be no assurances that the money market fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.