One Member, Multiple Goals
No matter how much you have to invest, you can benefit from having a combination of short, medium, and long term investment goals.
Whether it’s retirement, children’s education, or a major purchase – you invest with a goal in mind. And your investments should be structured to help you achieve your goals. Consider what is most important to you and your family and prioritize.
Short Term Goals
For short term goals, you may value peace of mind over higher returns. You're more conservative in this approach as your principal is guaranteed while earning interest, and accessibility of funds is greater.
Short Term Goals include:
- Emergency fund
- Minor repairs and home improvements
- Immediate retirement needs
Medium Term Goals
For medium term goals you'll likely expect your savings to grow over time, not overnight. Suitable investments often strike a balance between income and growth potential.
Medium Term Goals include:
- Down payment on a home
- Vehicle purchase
- Home renovations
Long Term Goals
For long term plans, you may be willing to take on more risk to enjoy the potentially higher rewards. Suitable investments vary, but usually focus on capital appreciation.
Long Term Goals include:
- Starting a business
- Saving for your child's post-secondary tuition
Our investment solutions allow for a mixed balance of savings that will have you prepared for all your goals.
Invest in a secure, worry free investment with a Term Deposit. You can decide how long you'd like to invest, with options ranging from one to five years.
Build up your savings, tax-free! With a TFSA, you don’t pay taxes on any interest, dividends, or capital gains from your investments. TFSA’s can be a great complement to your investment strategy, enabling you to capitalize on reducing your taxes and keeping more money in your pocket
Registered Education Savings Plans (RESPs) are one of the best ways to help you, your children, or your grandchildren make the dream of college or university a possibility.
RRSPs & RRIFs
RRSPs are a steady, reliable savings tool and can be as aggressive as you want them to be. Not only do they build your wealth over time, RRSPs will put more money in your pocket through tax savings.
Invest in a professionally-managed fund with a pool of other investors to get access to a wider range of investments than you might be able to afford on your own. This is a great way to diversify your portfolio.
Mutual funds and related financial planning services are offered through Credential Asset Management Inc. Online brokerage services are offered through Qtrade Investor. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities. Qtrade Investor and Credential Securities are divisions of Credential Qtrade 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 fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities is a registered mark owned by Aviso Wealth Inc.
Ways to Bank
You’re busy managing your life - let us offer you convenient ways to manage your banking.
Our Digital Banking provides you with 24/7 online access to your accounts, allowing you to take care of your financial transactions - both personal and business - at your convenience.
Our mobile app is available on iPhone and Android™ devices. With tons of convenient features, it's a fast and secure way to handle your everyday banking wherever and whenever works for you.
Enjoy the convenience of telephone banking with our friendly and knowledgeable staff, always ready to help on the other end of the line.
Branches & ATM
Branches & ATM
We love to see you walk through our doors. Stop by and let us help you! Or visit one of our ATMs for quick access to your funds anytime of the day or night.