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Welcome to InvestmentFundsCanada.com

InvestmentFundsCanada.com is the centre for advisors who are independent of any particular mutual fund company. Rather they offer you a wide choice of any type of funds which interest you from different companies.

We see the main problem for the consumer is lack of choice.It all seems complicated and what you need is an advisor who can answer your questions and provide a wide choice of products.If you want a conservative equity fund you need to see them all, not just choices from one company.

Another problem is fees and charges. What are all these costs you wonder? Should I select no load or front end or back end charges?

To answer these problems the brokers do their best to show the correct choices.

But when you are satisfied that the fund is working well, you will feel very good. You then need to keep an eye on the performance of your investments as you do with your car. No one cares about your money or your car ) more than you .

Annuity Calculator

 

What is a Mutual Fund?

What do you want to start today?

Choose the asset class you want to view from the links below (click on the icon or link)

What kind of Fund is right for me?

Choose the fund or funds that best suits your needs.

4 Approaches To Mutual Funds

Choose Different Mutual Funds

A mix of different funds to meet your needs.


1 Aggressive Growth

A mutual fund that attempts to achieve the highest capital gains. Investments held in these funds are companies that demonstrate high growth potential, usually accompanied by a lot of share price volatility. ... Also commonly referred to as a "capital appreciation fund" or "maximum capital gains fund".

2 Capital Preservation

Is a priority for retirees and those approaching retirement, since they may be relying on their investments to generate income to cover their living expenses, and have limited time to recoup losses if markets experience a downdraft. ... Also referred to as capital preservation.


3 Fixed Income

These funds buy investments that pay a fixed rate of return like government bonds, investment-grade corporate bonds and high-yield corporate bonds. They aim to have money coming into the fund on a regular basis, mostly through interest that the fund earns. High-yield corporate bond funds are generally riskier than funds that hold government and investment-grade bonds.

4 Growth

These funds aim to track the performance of a specific index such as the S&P/TSX Composite Index. The value of the mutual fund will go up or down as the index goes up or down. Index funds typically have lower costs than actively managed mutual funds because the portfolio manager doesn’t have to do as much research or make as many investment decisions.

5 Growth and Income

A growth and income fund is a mutual fund that has a dual strategy of capital appreciation (growth) and current income generation through dividends or interest payments.

6 Income

These funds invest in stocks. These funds aim to grow faster than money market or fixed income funds, so there is usually a higher risk that you could lose money. You can choose from different types of equity funds including those that specialize in growth stocks (which don’t usually pay dividends), income funds (which hold stocks that pay large dividends), value stocks, large-cap stocks, mid-cap stocks, small-cap stocks, or combinations of these.

 

6 International Growth

The investment seeks capital appreciation. The fund mainly invests in the common stock of growth companies that are domiciled or have their primary operations outside of the United States. It may invest 100% of its assets in securities of foreign companies.


6 Money Market

These funds invest in short-term fixed income securities such as government bonds, treasury bills, bankers' acceptances, commercial paper and certificates of deposit. They are generally a safer investment, but with a lower potential return then other types of mutual funds.

Best Way To Buy Mutual Funds

We shop the mutual fund market so you don't have to. We provide funds from all the companies.

Before you invest, understand the fund’s investment goals and make sure you are comfortable with the level of risk. Even if 2 funds are of the same type, their risk and return characteristics may not be identical. Learn more about how mutual funds work. You may also want to speak with a financial advisor to help you decide which types of funds best meet your needs.

Where can I buy mutual funds?

Canadian investors can buy mutual funds from a variety of sources, including from banks, credit unions, brokers, trust companies and financial planning firms. You can also buy some mutual funds directly from the investment company. Most Canadians buy funds through an adviser, who helps them determine their risk tolerance and strategy and then recommends specific funds to support that strategy. The adviser generally earns a small commission on funds you purchase.

Why use an adviser?

While you can save commission charges by buying funds directly from the investment company, studies consistently show that retail investors who get professional financial advice do vastly better than those who don’t. A recent white paper from Vanguard finds that advisers can potentially add about 3 percent in net returns, compared to a do-it-yourself approach.

This is because good advisers are able to add value by helping with fund selection, asset allocation, whether to hold funds in Registered or non-Registered accounts, rebalancing decisions, and perhaps most critically, behavioral coaching: Research from DALBAR indicates that absent professional advice, the average retail stock investor lags the market by an average 3.52 percent per year over the past 20 years – largely because of poor timing.

 

 


You can get started right now. Click here, and fill out the prompts and an experienced adviser will contact you. Your adviser will ask you a series of questions about your financial situation, risk tolerance and your financial goals and time horizon. That will enable him or her to design a set of recommendations especially for you.

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