Mutual Funds*

Mutual Funds* can provide the potential for greater returns than term deposits. At FirstOntario, qualified Credential Investment Professinals can help you to better understand how mutual funds might fit into your investment portfolio and provide options that match your investor profile.

 

FirstOntario members have access to mutual funds through Credential Asset Management Inc. and Credential Securities Inc. that provide:

• Access to over 1,000 top name mutual funds
• Well-known funds such as AGF®, Fidelity Investments® and AIM TRIMARK®
• A family of socially responsible funds offered under Ethical Funds®
• Investments using the Credential® select portfolio finder that provides a basket of funds proven to suit your investment style

Invest Widely To Get The Most Out Of Investment Sectors

Credential Select Portfolio Funds

Credential Select Portfolio Funds offer you the simplicity of one investment while giving you the benefits of investing in many mutual funds. These benefits include a well diversified portfolio, asset allocation that matches your risk tolerance, automatic rebalancing of your portfolio as the investment market changes and investment management by top performing investment managers. Talk to a Credential Investment Professional for more information.

 

Invest And Make a Difference In The World At The Same Time

Ethical Funds®

Your Credential Investment Professional can help you align your investments with your personal values by investing in Ethical Funds. These mutual funds invest in a portfolio of companies that meet tough ethical standards in the way they do business and care for their community. There is a family of Ethical Funds for you to choose from. Ethical Funds can also be included in the Credential Select Portfolio funds.

 

Maximizing Your Investments

To make it easier to invest sooner, a Pre-Authorized Contribution (PAC) allows you to start investing right away for as little as $50 a month. You can conveniently deduct your investment from your FirstOntario account weekly, bi-weekly, monthly, every 6 months or annually. Simply choose the frequency that is best for you.

Based on a return of 5%, you can see just how quickly this can add up.

Start investing at age	30	40	50
Years to save	35	25	15
Total value of investment ($100/month)	$113,609	$59,550	$26,728
Total value of investment ($200/month)	$227,218	$119,101	$53,457
Total value of investment ($300/month)	$340,827	$178,652	$80,186

 

*Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities 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.  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.

Labour Sponsored Investment Funds offer a 30% tax credit available to residents of Ontario. Tax credits are available to eligible investors provided that the shares are held for at least eight years from the date of purchase.

®Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence. Ethical Funds® are available only to Canadian residents.

®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.