|
A Better Way to Bank
|
CU RRSP Newsletter
Shaunavon Credit Union - RRSP Newsletter
| Volume 2 Issue 2 - January 27, 2001 | | RRSP Newsletter | | Page 1 |
Put a team of heavy hitters in your portfolio with
just one simple investment |
 What determines how well an investment portfolio performs over time? You may be surprised to discover that 80% to 90% of a portfolio's return results from how you allocate your assets, rather than which particular stocks or bonds you pick.
That's why financial experts talk about asset allocation. The term refers to how to divide your investments between the different types of assets: stocks, bonds, cash and foreign equities. When you build an investment portfolio, it's crucial to consider how the different types of assets: stocks, bonds, cash and foreign equities. When you build an investment portfolio, it's crucial to consider how the different investments interact with each other. If your mix is well chosen, then each investment generates returns while offsetting some of the other's risk.
Asset allocation sounds simple, but it can be difficult for individual investors to put into practice. Mutual fund investors have thousands of funds to choose from. Deciding which mutual funds to put into your portfolio is time consuming and frustrating.
Fortunately for credit union members, there's a new kind of mutual fund that allows you to choose the right mix of assets with just one simple investment. The Credential ® Portfolios are strategic asset allocation mutual funds. Each Credential Portfolio is a complete portfolio filled with brand name mutual funds from trusted managers like Fidelity, AGF, Trimark/AIM, Desjardins and Ethical Funds®. The combinations have been carefully designed and rigorously tested by professional portfolio managers to match your objectives.
Which of the seven Credential Portfolios is right for you? That depends on your investment objectives. Sit down with your credit union representative and talk about your financial future. How old are you? How long do you plan to invest? What's your attitude towards risk? Based on your answers, your credit union representative will recommend a Credential Portfolio with the appropriate mix of assets for you.
Invest, and relax. Your Credential Portfolio is monitored by professionals and automatically rebalanced to maintain the mix that's right for you.
Now it is possible to enjoy the benefits of a diversified portfolio with just one simple investment. Investing made easy. Visit or call Shaunavon Credit Union today and ask about Credential Portfolios for your RRSP, RESP, or open investment account.
® Credential and Ethical Funds are trademarks and a registered mark owned by Ethical Funds Inc. and are used under licence. Credential Asset Management Inc. and Credential Securities Inc. are licenced users of the marks.
*Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities Inc. Those companies are subsidiaries of Credit Union Central of Canada. Commissions trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Unless otherwise stated, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer which insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member - CIPF.
The information in this report was obtained from sources believed to be reliable; however, we cannot represent that it is accurate or complete. This report is provided as a general source of information and should not be considered personal investment advice to buy or sell mutual funds.
Mutual funds or Ethical Funds® are sold in all provinces and
territories across Canada
Member Retirement Services
 Taking Control of Your Future
While Enjoying Tax Benefits Today!
Contributing to an RRSP is a commitment to a financially secure retirement. It's also a great way to take advantage of substantial tax savings now! Choose from a variety of hardworking credit union RRSPs.
By Gaining Your RRSP Advantage
Arrange for convenient monthly RRSP deposits which earn attractive compounded
interest. Or, if the deadline for contributions is fast approaching and you're short of cash, Shaunavon Credit Union can help with and RRSP loan.
Shaunavon Credit Union can help you plan for the retirement of your dreams!
WEALTH MANAGEMENT
Whatever your financial need may be, Shaunavon Credit Union has created a special Financial Planning Centre in our Shaunavon Branch. Our specialists will assist credit union members in developing long-range plans that will assist them in achieving their financial objectives. Once the objectives have been established, they can assist you in choosing from a broad range of investment products to meet your investment needs.
Terry Shields, CFP
Financial Advisor
(Mutual Funds)
Credential Securities
|
Stop in and see Terry Shields who is an Investment Advisor with Credential Securities and a Certified Financial Planner. Or see Diane Krahn who has several years of experience in the mutual fund business and is a Mutual Fund Investment Specialist with Credential Asset Management Inc.
|
Diane Krahn
Mutual Funds Investment Specialist
Credential Asset Management inc
|
"Mutual funds are offered through Credential Asset Management Inc. and
mutual funds and other securities are offered through Credential Securities
Inc. Those companies are subsidiaries of Credit Union Central of Canada.
Commissions, trailing commissions, management fees and expenses all may be
associated with mutual fund investments. Mutual funds and other securities
are not guaranteed, their values change frequently and past performance may
not be repeated. Credential Securities is a Member - CIPF."
[...Past Issues]
|
Legal Disclaimer &
Trademarks
Site created & maintained by U Vision Designs
Site best viewed with 800X600
resolution
|
For as low as
$25.00 »
RRSP
loans »
RRSP
purchase »
Term
deposit »
RRSPs »
RRIFs »
RESPs »
Insurance »
Mutual Funds »
Financial Planning »
Full Service Brokerage »
Stock
quotes »
Net worth
calculator »
RRSP
planner »
RRSP
savings calculator »
RRSP borrowing
calculator »
CU RRSP
Communicator »
|
