You've probably heard it's important to have a diversified investment portfolio, but how can you find the right balance between higher and lower risk investments?

At Envision, our team of investment professionals can help you develop a customized plan to accomplish your financial goals.

How a diversified plan can work for you

Say you have $10,000 to invest. You want that money to grow, but you don't want to risk your original principal. To accomplish that goal, you might:

• Invest $8,339 in a five-year term deposit earning 3.7% interest per annum and you'll be guaranteed to receive $10,000 at the maturity date
• Invest the remaining $1,661 of your initial $10,000 in mutual funds* offered through Credential Securities Inc. and Credential Asset Management Inc., allowing you an opportunity for greater growth potential.

The investment values and rate of return shown are used only to illustrate the effects of the compound growth rate and the potential effects of diversification and are not intended to reflect future values of mutual funds or returns on investment in mutual funds.

A diversified plan can be a good solution if you are:

• Approaching retirement
• Cannot risk the loss of your capital
• Looking for higher returns
• Wanting an opportunity to diversify your term deposit portfolio
• Unfamiliar with stock market investing

Speak with an investment professional at your nearest Envision Credit Union branch for your customized plan.

*Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities Inc. 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 funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member-CIPF. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.

 

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