Our Investment Philosophy

Our investment philosophy is essentially conservative in nature. Operating within each client's risk profile, an investment approach is structured to achieve your desired goal with the lowest possible level of risk. As a result, we can all sleep soundly at night.

Like it or not, finding the shortest and safest route to achieving your goals requires planning. Only with a carefully thought-out investment plan can you be sure to make the most of your resources... and to protect against risks along the way.

Our team can show you how to:


The following products are offered through Desjardins Financial Security Investments Inc.:

Mutual funds are distributed through Desjardins Financial Security Investments Inc.


Guaranteed Investment Certificates (GICs)

The Comfort of Guarantees, Guaranteed Principal, Guaranteed Interest

Guaranteed Investment Certificates (GICs) offer an opportunity to earn guaranteed interest while protecting principal. They are a fixed-term investment issued for terms up to five years. Some institutions offer longer terms, but Canadian Deposit Insurance Corporation (CDIC) does not cover terms over five years. When a GIC is purchased, there is an agreement between the financial institution and the investor specifying the investment amount for a specified term (period of time) at a predetermined rate of interest. Upon maturity of the investment, the principal invested and the interest earned are paid to the investor. Investors may choose alternate payment frequencies to annual interest however more frequent payments are typically subject to a reduction in the offered interest.

Desjardins Financial Security Investments Inc. represents nearly 40 fixed-term product suppliers. This means that we have the ability to search the marketplace for the best possible GIC rates for our clients.

For more information on CDIC coverage please refer to their website www.cdic.ca

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Mutual Funds

Professionally managed funds for investors seeking financial diversity

A mutual fund is an investment allowing people to pool their money in a collection of stocks, bonds, and other securities. Each investor owns units that represent a portion of the fund's holdings. When the mutual fund increases in value, you share that profit proportionally with everyone in the fund.

The benefits of mutual funds include:

Professional Management
Mutual fund investments are handled by a fund manager. Using research along with their knowledge and experience, fund managers select what stocks, bonds, cash or combinations will make up a fund and make decisions as to when positions should be bought or sold. The fund manager is paid a fee for his/her services.
Liquidity
Mutual fund units can be sold at any time. One must be aware however that although that there is easy access to your funds, fees may be incurred and tax consequences may apply for withdrawals.

Affordability
A wide variety of mutual funds are available to investors with minimum investment requirements. This allows access to investments that may otherwise be out of reach to the average investor.

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