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:


 

Desjardins Financial Security Investments Inc.

 

The following products are offered 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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Mutual Funds Disclaimer

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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Segregated Funds

Grow like a mutual fund, protect like insurance

Segregated funds are investment funds held within an insurance contract. Similar to a mutual fund, they are managed by professional money managers. "Segregated" refer to the fact that the money in your contract is "segregated" or kept apart from those of the insurance company.

Segregated funds are similar to mutual funds with many of the same features however there are some important differences:

Maturity and Death Guarantees
Segregated funds guarantee you get back 75 to 100% of your investment-regardless of market performance - at contract maturity or death. This feature is designed to provide protection from market fluctuations.
Designated Beneficiaries
Since segregated funds are held within an insurance contract, the policy holder may designate a beneficiary for their investment. This provides for simplified estate settlement upon death.
Consumer Protection
Segregated funds are eligible for coverage by Assuris which provides protection for policyholders should the insurance company collapse.

For more information on Assuris please refer to their website www.assuris.ca

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Annuities

In exchange for a single lump sum investment, an insurer makes guaranteed regular income payments to an investor that contain both interest and a return of principal. Annuity payments can continue for the lifetime of one or two people, or for a chosen period of time.

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