Mutual Funds

I’m independent, meaning I have no connections to any particular fund family—my only bias as a financial advisor is in favour of your best interests.

The companies whose products I currently (however are not limited to) provide are:

  • AGF
  • Brandes
  • Chou
  • CI
  • Dynamic
  • Fidelity
  • Invesco Trimark
  • Mackenzie
  • Manulife
  • Renaissance
  • TD
  • Templeton

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Mutual Fund Disclaimers
Mutual Funds (no performance data):
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Money Market (no performance data):
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities 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 on your investment in the fund will be returned to you. Past performance may not be repeated.

Income Trust Mutual Fund:
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The payment of distributions should not be confused with a fund’s performance, rate of return, or yield. If distributions paid by the fund are greater than the performance of the fund, then your original investment will shrink. Distributions paid as a result of capital gains realized by a fund and income and dividends earned by a fund are taxable in your hands in the year they are paid. Your adjusted cost base will be reduced by the amount of any returns of capital. If your adjusted cost base goes below zero, then you will have to pay capital gains tax on the amount below zero. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Labour-Sponsored Investment Funds (LSIFs):
Commissions, trailing commissions, management fees and expenses all may be associated with investments in labour-sponsored investment funds (“LSIFs”). Please read the prospectus before investing. Labour-sponsored investment funds (LSIFs) are not guaranteed their value changes frequently and past performance may not be repeated. Availability and amounts of tax credits are subject to certain conditions and limitations and are subject to repayment if shares are not held for eight years.

Mutual Funds with Performance Data:
All returns are historical annual compounded total returns as at [month, day, year] including changes in unit value and distributions reinvested. Returns do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Before investing, read the [insert fund company name]’s simplified prospectus. Obtain a copy from your Financial Advisor.

Note: The standard performance data must be calculated for the 10, 5, 3 and 1 year periods and the period since the inception of the mutual fund if the mutual fund has been offering securities by way of simplified prospectus for more than one and less than 10 years; and end on the same calendar month end that is not more than 45 days before the date of the appearance or use of the advertisement in which it is included, and not more than three months before the date of first publication of any other sales communication in which it is included.

Money Market with Performance Data:
Commission, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The performance data provided assumes reinvestment of distributions only an does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can 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. Past performance may not be repeated. You must include the following statement immediately following performance data: This is an annualized historical yield based on the seven day period ended on [date] [annualized in the case of effective yield by compounding the seven day return] and does not represent an actual one year return.

Note: The standard performance data must be calculated for the most recent seven day period for which it is practicable to calculate, taking into account publication deadlines; and the seven day period cannot start more than 45 days before the date of the appearance, use or publication of the sales communication.

Flow-Through Shares Disclaimer:
There are a number of risks associated with an investment. Investors should refer to each Partnership’s prospectus for details. Important information about his offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should obtain the prospectus carefully, and consult your advisors, including tax advisors, before making an investment decision. This material does not constitute an offer to sell or a solicitation to buy any security. Such an offer can only be made by prospectus.