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You can build wealth by diversifying.
Mutual funds* are pools of money contributed by people with similar investment objectives. With mutual funds, investors can access diversification and professional investment management that is usually only available to institutional investors and wealthy individuals.
Through Casera, you have access to a wide range of mutual funds through Credential Asset Management Inc. This company is part of Aviso Wealth Inc., the national wealth management provider founded by the Canadian credit union system.
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 units they own. You realize the value of an investment by redeeming the units held.
Diversity
Mutual funds are portfolios of different securities, including bonds, equities and derivatives. Diversifying your holdings spreads your money around and reduces your overall risk.
Accessibility
By investing in mutual funds, average investors gain access to the variety of 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, professional investment managers manage your money. These managers have the expertise and wealth of resources at their disposal. They are responsible for conducting research and making investment decisions.
*Mutual funds are offered through Credential Asset Management Inc. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. 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.