Fundamentals of investing

Achieve a bright financial future


  • The investment process
  • Investing basics
  • Why getting professional advice is valuable
  • Fees associated with investing
  • Investment risks and how to reduce risk

Take control of your financial future when you partner with us to define your goals and create a plan. It is our priority to ensure that you gain the clarity and direction you need to achieve your financial goals. We provide the tools, information and advice you need to help you achieve the bright financial future you've always dreamed of.

Click below to learn the fundamentals of investing.

Investment process Expand/Collapse

Smart investing begins with sound financial advice. The best way to start is to sit down with a financial expert to:

  1. Get a better sense of your current financial situation, priorities and goals - Are you saving for a large purchase? Do you want to pay down debt?
  2. Determine which investment solutions are best for you - Consider your time horizon, liquidity needs and risk tolerance.
  3. Develop a customized plan to meet your financial goals - Our experts will help you craft a financial plan based on your unique situation and goals. This is your Smart Money Plan™
  4. Make sure you stay on track - Once you have your Smart Money Plan™ set up, it's important to meet regularly to make sure you're on track to meet your financial goals.

Investment basics Expand/Collapse

While investing may seem intimidating to first time investors, our wealth experts can help you achieve financial clarity. Some investing rules of thumb include:

  • Start saving early - It’s never too early to start saving for your future. Take advantage of the power of compounding by saving as soon as you can – every little bit counts!
  • Invest regularly to take advantage of dollar-cost averaging (DCA) - When you make regularly scheduled contributions to your retirement savings, rather than attempt to time the market randomly throughout the year, you dramatically increase your odds of capitalizing on short-term dips and buying low. When this happens, you are able to buy more mutual fund units with the same contribution amount
  • Stay the course and ignore market fluctuations - When markets decline for an extended period of time, it can be hard to stay invested and some investors may be tempted to stop investing for a while or sell certain investments
  • Diversify -It’s a good idea to put money into several different investment products, or diversify, because certain types of investments tend to move higher while other decline. For example, stock prices rarely move in tandem with bond prices. You can diversity by investing across all major asset classes, including equities*, bonds and other fixed income securities*, cash, and cash equivalents* (Treasury Bills and Guaranteed Investment Certificates (GICs))


Understanding investment risk Expand/Collapse

Market risk is how much market value and investment returns fluctuate. Generally, the more volatile an investment is, the greater potential return there is. On the flip side, lower risk investments typically deliver lower returns and are less volatile. To reduce risk, start investing as early as you can (so you have time on your side) and diversify your investments.

Meet with us

Don’t see what you’re looking for? Our accredited Credential Asset Management Inc. or Credentiual Securities Inc. experts are always available to offer complimentary personal and qualified advice. Need to meet after hours, over coffee, or at home? Our mobile experts can meet with you at your convenience.
*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc

*Credential disclosure and mutual funds disclaimer