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Power your possibleTM

What makes a ‘good’ investment? 

There are many, many options to think about and choices to make around investing. You may be wondering, what is a good investment? You want to determine the best place you should invest your money. You may also be concerned with choosing investments that are good for others—socially responsible investing choices. Gulf & Fraser's Credential Securities and Credential Asset Management Inc. investment specialists can help you make a good investment.

Where to start:

You can take control of your financial future when you partner with us to define your goals and create a customized investment plan. You can expect that through speaking with us and working together on your plan, you will gain the clarity and direction you need to help you achieve your financial goals. With us, there are no wrong questions. You already know you have many investment options open to you—our job is to help you choose which will work best for you and your unique life situation.

Smart investing begins with sound financial advice. Start by sitting down with an investment specialist and talking about your goals. 


Talk to a Gulf & Fraser Credential Securities and Credential Asset Management Inc. specialist and start investing today.

We'll help you understand the ins and outs of investing and what makes a good investment. We'll show you options for low risk investing and strategies to lower taxes on investment income. We've got so much to share with you, let's get started today!

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5 quick tips for first-time investors

If you’re a first-time investor, the range of options may seem intimidating. Here are five tips that can help you make good investments:

  1. Start saving early. It’s never too early to start saving for your future. Take advantage of the power of compounding by saving as soon as you can—every little bit counts!
  2. Invest regularly to take advantage of dollar-cost averaging. When you make regularly scheduled contributions to your retirement savings, rather than attempt to time the market randomly throughout the year, you dramatically increase your odds of capitalizing on short-term dips and buying low. When this happens, you are able to buy more mutual fund units with the same contribution amount.
  3. Stay the course and ignore market fluctuations. When markets decline for an extended period of time, it can be hard to stay invested and you may be tempted to stop investing for a while or sell some of your investments.
  4. Diversify. It’s a good idea to put your money into several different investment products, or diversify, because certain types of investments tend to move higher while others decline. For example, stock prices rarely move in tandem with bond prices. You can diversify by investing across all major asset classes, including equities*, bonds* and other fixed income securities*, cash, and cash equivalents* (treasury bills and Guaranteed Investment Certificates – GICs).
  5. Understand market risk. Market risk is how much market value and investment returns fluctuate. Generally, the more volatile an investment is, the greater potential return there is. On the flip side, lower risk investments typically deliver lower returns and are less volatile. To reduce risk, start investing as early as you can (so you have time on your side) and diversify your investments. 

What's a Smart Money PlanTM?

Your Smart Money Plan is for anything and everything you want to do: save, pay off debt, invest and more.

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We believe in your possible, meet with a Gulf & Fraser investment specialist today.

Gulf & Fraser puts your interests first. Our Credential Securities and Credential Asset Management Inc. investment specialists have access to a full array of investments. They provide investment advice which is unbiased so you can have confidence you are receiving advice with your best interests in mind.

We will work with you to ensure an investment plan is customized to meet your individual investment objectives. We are available to meet with you when and where it is convenient.

We are committed to providing full disclosure about the level of investment risk associated with the various products we offer, as well as their potential rewards. Feel free to ask us any questions about how your advisor is compensated. We will be upfront with you about all the fees and charges you are likely to encounter with each product or service along the way.

We’re here to help.

Gulf & Fraser’s Credential Securities and Credential Asset Management investment specialists can access a full array of investment solutions: such as mutual funds*, low-cost investment options*, socially-responsible investing options*, stocks and bonds* and sophisticated discretionary management solutions*.

Our approach is centered around you, as our member. We put your interests first. Our investment specialists provide unbiased advice so you can have confidence you are receiving advice in your best interests and are making a good investment.

We are committed to providing full disclosure about the level of investment risk associated with the various products we offer, as well as their potential rewards. 


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*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. OnPoint Managed Portfolios are distributed by Credential Securities. Referral fees, commissions, management fees, and expenses all may be associated with managed accounts or the investments therein. Please read the prospectus before investing. Managed accounts, and the investments therein, are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities is a registered mark owned by Aviso Wealth Inc.


Get to know the investment specialists at Gulf & Fraser.

Cory Cop is a mutual funds investment specialist with Credential Asset Management Inc. Read more about Cory and his team and how they'll work with you.

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