Investing Made Easy
Credential Select Portfolio Funds offer the simplicity of investing in one mutual fund, while gaining the diversity, expert management, and performance of many.
Each Credential Select Portfolio Fund
uses a fund of funds approach investing in a mix of other
top Canadian mutual funds with names you can trust: AIM/Trimark,
The Ethical Funds Company, Fidelity Investments,
Franklin Templeton Investments, and Mackenzie Financial.
The Credential Select Advantage Portfolios for All Investor Types Investing Made Even Easier with a PAC Plan How do I get started?
The Credential Select Advantage
Access to Multiple Top Fund Managers
Benefit from the expertise of underlying fund portfolio managers with names you can trust. All managers are experts in their respective area of specialization and style and have met and surpassed rigorous selection criteria based on track record, clarity, consistency, and strategic focus.
Diversified to Reduce Volatility
Your Credential Select Portfolio Fund gains wide exposure to the world's capital markets by diversifying across multiple investment types, manager styles, geographies, and asset classes. Diversification makes your investments less susceptible to market volatility, and positions them better to chart a path of steady growth.
Strategic asset allocation is done for you. And since as much as 91% of a portfolio's performance variation can be attributed to asset allocation, not market timing that's an important advantage. Your Credential Select Portfolio Fund takes care of the complexity of asset allocation for you weighting the asset classes to align with your financial goals.
Free yourself from the demands of monitoring your investments on a day-to-day basis. Each Credential Select Portfolio Fund is automatically rebalanced to ensure your portfolio's asset allocation continues to match your risk tolerance level and financial objectives.
Portfolios for All Investor Types
There is a Credential Select Portfolio Fund that's appropriate for almost every investor:
|Credential Select Conservative Portfolio|
investors who value income and security more than
growth, over a medium time horizon.
|Credential Select Balanced Portfolio|
investors who want both income and growth, over a medium
|Credential Select Growth Portfolio|
investors looking for long-term growth through equity
and income-oriented mutual funds.
|Credential Select High Growth Portfolio|
|For investors who want long-term growth through equity mutual funds.|
Which Credential Select Portfolio Fund is best
Credential Select Portfolio Funds have been developed for investors of all types, so there's a portfolio that's appropriate for you. Your investment professional will ask you a series of questions to determine your investing time horizon, your risk tolerance, and your financial goals.
Your unique investor profile will help identify which Credential Select Portfolio Fund is best suited to you.
Investing Made Even Easier with a PAC Plan
Consider paying yourself first with a Pre-Authorized
Contribution or 'PAC' plan. A PAC lets you conveniently and
regularly deduct as little as $25 a month (min. $25 per Fund)
from your credit union account. Set up a monthly PAC of $100 or
more for your RRSP and we'll waive the $25 annual administration
Contribute either weekly, monthly, every six months, or annually whatever works for you.
Applies to PAC plan contributions (equivalent to $1,200 or more/year) in new and existing Credential Select Portfolio Fund client name accounts. Annual administration fee of $25 plus taxes usually applies to RRSP plans with balances below $5,000. Minimum initial investment of $2,500 still applies.
How do I get started?
You can begin investing in a Credential Select Portfolio Fund with as little as $2,500*. Contact Quill Lake Credit Union Limited and ask to speak to a Credential investment professional. They'll work with you to fit the right investment solution to your particular needs. You can rely on friendly, supportive service and knowledgeable expertise and advice. It's that simple.
*Waived for Group RRSP payroll contributions
Credential Select Portfolio Funds are available only to Canadian residents.
Credential Financial Inc. is the wealth management distribution company servicing the Canadian credit union system
Credential provides credit unions with access to a wide range of wealth management solutions that help you build and create financial security for you and your family.
Credential investment professionals and insurance representatives operate through participating credit unions from coast to coast. Credential representatives are qualified professionals trained to take a personalized approach in assessing your particular financial needs. They'll help you with your financial decisions by providing the trusted advice and friendly, expert guidance you expect from your credit union.
For more information, visit
|For CAM only affiliated Credit Unions:|
|Mutual funds are offered
through Credential Asset Management Inc. Commissions,
trailing commissions, management fees and expenses all
may be associated with mutual fund investments and the
use of an asset allocation service. Please read the
prospectus of the mutual funds in which investment may
be made under the asset allocation service 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 Select
Portfolio Funds are available only to Canadian
residents. ®Credential is a
registered mark owned by Credential Financial Inc. The
Ethical Funds Company and There's good money to
be made are trademarks owned by Ethical Funds Inc.
AIM, the chevron logo and all associated trademarks
are trademarks of AIM Management Group Inc. *TRIMARK and
all associated trademarks are trademarks of AIM Funds
Management Inc. ®Fidelity Investments is a
registered trademark of FMR Corp. All marks and
trademarks are used under licence. Franklin Templeton
Investments and design are trademarks of Franklin
Templeton Investments Corp. All marks and trademarks are
used with permission.