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Building wealth through diversification.
A mutual fund* is a pool of money contributed by people with similar investment objectives. Investors can access the diversification and professional investment management that is usually only available to institutional investors and wealthy individuals by investing in mutual funds.
Casera provides access to a wide range of mutual funds through Credential Asset Management Inc. This company is part of Aviso Wealth Inc., a national, integrated financial services company serving the wealth management needs of Canada's credit unions as well as a range of independent financial organizations.
Professional managers select the fund's securities and, depending on the fund's investment objectives, will invest in bonds, equities, cash, derivatives or other securities, or any combination of these. The value of the investments a mutual fund owns will vary from day to day, reflecting changes in interest rates, economic conditions, and market and company news. The value of a mutual fund's units may go up and down, and the value of your investment in a mutual fund may be more or less when you redeem it than when you purchased it.
Investors in a fund share the income, expenses and any gains and losses the fund makes on its investments in proportion to their units. The value of an investment in a mutual fund is realized by redeeming the units held.
Diversity
Mutual funds are comprised of portfolios of different securities, including bonds, equities and derivatives. When you diversify your holdings, you spread your money around and reduce your overall risk.
Accessibility
By investing in mutual funds, average investors can access the diversification and professional management usually available only to wealthy and institutional investors.
Liquidity
Most mutual funds can be purchased or cashed in on reasonably short notice with limited or no penalties.
Professional management
With mutual funds, your money is managed by professional investment managers who have the expertise and a wealth of resources at their disposal. The Portfolio Managers are responsible for conducting the research and making the decisions of the fund.
* 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 securities 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 Aviso Wealth Inc.