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Investment Products

Investing made simple. Results made real.

Investing doesn't have to be complicated. Start early, diversify your portfolio, and most importantly, get good advice.

YNCU has partnered with Credential Securities to ensure you always get professional, honest advice, as well as access to an impressive range of investment products. Our expert advisors take a personalized approach to find the solution that will best meet your needs and deliver a real financial result.

 
 

Mutual Funds

Start here for a diverse investment plan

Mutual funds combine the benefits of diversification and professional asset management with affordability – making them an ideal solution for many investors. Our seasoned Financial Relationship Managers offer smart advice to help you achieve your financial goals.

Together, they’ll work with you to understand your overall investment strategy and make recommendations on the right mix of mutual funds for your financial goals.

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. 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 securities and cash balances 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. Credential Asset Management Inc., Credential Qtrade Securities Inc. and Northwest & Ethical Investments L.P. are wholly owned subsidiaries of Aviso Wealth Inc.

 

Money Market Instruments

A Short-Term Money Exchange

A Money Market is a fund that invests in short-term debt securities. Our Credential Securities Investment Advisors have access to a range of Money Market Instruments, including:

  • Canadian Money Market
  • U.S. Money Market
 

Bonds

Tap into Fixed Payments with Bonds 

  • Federal Bonds
  • Provincials
  • Corporate
  • Municipals
  • U.S. Bonds
  • U.S. Corporations
  • U.S. High Yield
 

More Investment Products

Consider All Your Options

In addition to mutual funds, bonds, stocks and other securities, our Wealth Management Consultants have access to a range of other investment products, including:

  • High Yield
  • GIC Rates
  • Strip Coupons
  • Preferred Shares
  • Stocks on all major Canadian & U.S. Exchange
  • Labour Sponsored Investment Funds (LSIFs)
  • Registered Education Savings Plans (RESPs)

 

Talk to an advisor today to find out how a diverse range of investment options can help you achieve your financial goals.

Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

 

Glossary

 

A certificate which is evidence of a debt on which the issuer promises to pay the holder a specified amount of interest for a specified length of time, and to repay the loan on its maturity. Strictly speaking, assets are pledged as security for the loan, except in the case of government bonds, but the term is often loosely used to describe any debt issue. Bonds are issued by corporations and by federal, provincial and municipal governments. Bond holders are first in line before shareholders to claim any of a company's assets in the event of liquidation.

Companies sell bonds when they want to borrow money to grow and expand. They promise to pay the lender's money back on a future maturity date and pay interest in the meantime. There are different kinds of corporate bonds. Some are secured by specific assets which you can seize if the company fails to pay interest or return the original principal amount when the bonds mature. Others that aren't secured are called debentures. They are merely a promise to pay you. Corporate bonds often also have added features. You might be allowed to convert your bonds into the company's stock, or the company might have the right to buy back the bonds before they mature.

A deposit instrument most commonly available from trust companies or financial institutions requiring a minimum investment at a predetermined rate of interest for a stated term, i.e. one year, five years, etc. Generally non-redeemable and non-transferable prior to maturity, but there can be exceptions.

Mutual funds are investment strategies that allow you to pool your money together with other investors to purchase a collection of stocks, bonds, or other securities that might be difficult to recreate on your own.  An Advisor will help you to choose mutual funds that meet your investment time horizon and your overall financial goals. 

Usually high quality federal or provincial government bonds originally issued in bearer form, where some or all of the interest coupons have been detached. The bond principal and any remaining coupons trade separately from the strip of detached coupons, both at substantial discounts from face value.

Short-term government debt, usually issued in trading units of $250,000 and sold chiefly to large institutional investors. Treasury bills do not pay interest but are sold at a discount and mature at par (100). The difference between the purchase price and par at maturity represents the purchaser's income in lieu of interest. In Canada such gain is taxed as interest income in the purchaser's hands.

The stock, or ownership of shares in a company.

 

Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. The information contained in this webpage is provided as a general source of information, it was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete.

 

Smart Saving Tips

 

The sooner you start saving, the better. Time and compounding growth are a powerful combination.

Before you pay your bills set aside a portion of your salary - at least 10%. Have the money automatically deducted from your pay cheque. Contribute weekly, monthly, quarterly, or whatever works for you. Easy. Smart. Effective.

Hold a variety of investments in your portfolio. This minimizes the day-to-day effect of changing markets and helps you chart a steady path of growth.

Your investments may experience ups and downs in the short term, but history shows that patient, disciplined investors who stick with their plans and invest for the long term are rewarded.

Expert knowledge and sound advice are what you need. Your Credential Securities Investment Advisors can help you set goals, develop a plan, and invest wisely.

 

Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

 
 
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 Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA) .

 
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