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Mutual funds

When you invest in a mutual fund, you are pooling your money with many other investors. A professional fund manager invests that pool of money in a wide range of individual investments that meet the fund’s specific objectives. You own “units” in the fund, and each unit represents an equal share of the total assets of the fund.

Each mutual fund has a set of guidelines that governs the type of investments the fund manager can make, and the countries that can be invested in. The fund’s simplified prospectus gives you the details plus information about the risks involved, whether the fund will earn interest, dividends or capital gains, and the length of time you should be prepared to leave your money invested. All this helps you to choose a mutual fund that fits your needs and your approach to investing.

1,200 different mutual funds are offered through Credential Asset Management Inc. including socially responsible and labour-sponsored funds. Let the Mutual Funds Investment Specialists at Your Neighbourhood Credit Union help you decide which funds best meet your needs.

Your Neighbourhood Credit Union is committed to providing our Members with investment options suited to their individual needs. Today, more and more people are turning to mutual funds as a way to save for a comfortable financial future.

Credential Asset Management Inc. is a mutual fund dealer offering credit union Members a full selection of mutual funds.

Credential^® Asset Management is part of Credential Financial Inc., the national wealth management provider founded by the Canadian credit union system. Credential Asset Management has relationships with over 380 credit unions throughout Canada, and more than 2,700 representatives.

The Credential Asset Management Mutual Funds Investment Specialists at Your Neighbourhood Credit Union can provide you with the opportunity to purchase top quality mutual funds with names you'll recognize:

• AIM Trimark
• Ethical Funds®
• AGF
• Fidelity
• AIC
• Franklin Templeton
• C.I.
• Mackenzie
• Credential^® Select Portfolio Funds

With more than 4,000 mutual funds available to Canadian investors, it's not easy separating the winners from the underperformers. That's why a team of investment analysts at Credential^® has developed a proprietary selection process to assess these funds for you. The resulting Credential Platinum List of 40 best funds have been selected for their potential to outperform their peers over the long run. When you buy any of the Credential Platinum List Funds, you can invest with confidence.

Start building your investment portfolio with top quality funds available through Credential Asset Management. Stop by Grand River Credit Union and speak with a Credential Asset Management Mutual Funds Investment Specialist today.

Mutual Funds are offered through Credential Asset Management 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, mutual fund and cash balances are not insured nor guaranteed, their values change frequently, and past performance may not be repeated. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence. ®The Ethical Funds Company and Ethical Funds are registered marks owned by Ethical Funds Inc. and are used under licence. Ethical Funds^® are available to resdients of Canada only.