Investment products

 

Mutual funds

A mutual fund lets you pool your money together with other investors, making it easier for you to own a wider range of investments. It includes investments like stocks, bonds, and other funds. A mutual fund pool is administered by a professional fund manager, so you don’t have to worry about buying and selling investments on your own.

 


Vision Credit Union offers investment and financial planning services via our experienced, in-house Credential Asset Management team.

 

Contact Vision’s experienced team of Credential Asset Management Financial Advisors.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Sandra Bucknell at 780-624-5850, sbucknell@visioncu.ca

 


Mutual funds offered through Credential Asset Management 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 covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. 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® is a registered mark owned by Aviso Wealth Inc. and is used under license. Credential Asset Management Inc. and Northwest & Ethical Investments L.P. are all wholly owned subsidiaries of Aviso Wealth Inc.

Tax Free Savings Account (TFSA)

A TFSA is a “tax-advantaged account.” Contributions to a TFSA don’t earn an immediate tax break, but any gains you make on your investments are tax free. A TFSA can be used for any savings goal, withdrawals are free of tax and you can start a TFSA Variable investment at Vision with as little as $50. Another benefit? At Vision Credit Union, our TFSAs also qualify for our profit sharing program.

 


Ready to get started?

Contact Vision’s experienced team of Credential Asset Management Financial Advisors.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Sandra Bucknell at 780-624-5850, sbucknell@visioncu.ca

 


Looking for a low risk investment?

Vision Credit Union offers TFSAs as Prime Rate Riser term deposits.

  • Guaranteed principal
  • Interest based on Bank of Canada’s prime rate. If prime rate goes up, so does your rate of return.
  • 5-year term rate: Prime minus 1%
  • 3-year term rate: Prime minus 1.5%
  • Term RRSPs are eligible for Vision profit shares.

Contact your branch to learn how Vision’s Prime Rate Riser account can help you achieve your financial goals.

Registered Retirement Savings Plans (RRSPs)

RRSPs are an essential part of any retirement plan, but they also offer financial benefits for today. By contributing to a Vision Credit Union RRSP every year, you build your retirement nest egg, and you also pay less income tax right now. Your RRSP can include different kinds of investments, like GICs, savings accounts, mutual funds, and stocks and bonds.

 


Ready to get started?

Contact Vision’s experienced team of Credential Asset Management Financial Advisors.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Sandra Bucknell at 780-624-5850, sbucknell@visioncu.ca

 


Looking for a low risk investment?

Vision Credit Union has term RRSPs available as Prime Rate Riser term deposits.

  • Guaranteed principal
  • Interest based on Bank of Canada’s prime rate. If prime rate goes up, so does your rate of return.
  • 5-year term rate: Prime minus 1%
  • 3-year term rate: Prime minus 1.5%
  • Term RRSPs are eligible for Vision profit shares.

Contact your branch to learn how Vision’s Prime Rate Riser account can help you achieve your financial goals.

Registered Retirement Investment Funds (RRIFs)

A RRIF provides regular retirement income from investments previously held in your RRSP. Here’s how it works. Before you retire, you invest in your RRSP where your money can grow, tax-sheltered. Once you retire, you can roll your RRSP investment into a RRIF. Once it becomes a RRIF, you draw an income from it while the funds continue to grow in the RRIF, tax sheltered until they are withdrawn.

 


Ready to learn more about RRIFs?

Vision offers fixed term and variable rate RRIF plans to provide maximum flexibility for your retirement income options. Contact Vision’s experienced team of Credential Asset Management Financial Advisors.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Sandra Bucknell at 780-624-5850, sbucknell@visioncu.ca

 


Looking for a low risk investment?

Vision Credit Union has term RRSPs available as Prime Rate Riser term deposits.

  • Guaranteed principal
  • Interest based on Bank of Canada’s prime rate. If prime rate goes up, so does your rate of return.
  • 5-year term rate: Prime minus 1%
  • 3-year term rate: Prime minus 1.5%
  • Term RRSPs are eligible for Vision profit shares.

Contact your branch to learn how Vision’s Prime Rate Riser account can help you achieve your financial goals.

Registered Education Savings Plans (RESPs)

A RESP is one of the most effective ways to save for a child’s education. Your RESP contributions become tax sheltered earnings and they can help you qualify for up to $7,200 in matching contributions from government grants. A RESP can be used for tuition, books, living expenses and more.

 


Learn more about your options for education savings.

Contact Vision’s experienced team of Credential Asset Management Financial Advisors.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Sandra Bucknell at 780-624-5850, sbucknell@visioncu.ca

Registered Disability Savings Plans (RDSPs)

An RDSP is a long-term savings plan to help Canadians with disabilities and their families save for the future. If you have an RDSP, you may also be eligible for grants and bonds to help with your long-term savings. RDSPs are available to Canadian residents (with a SIN number) who have a long-term disability, are under 60 and are eligible for the Disability Tax Credit.

 


Learn more about the advantages of an RDSP.

Contact Vision’s experienced team of Credential Asset Management Financial Advisors.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Sandra Bucknell at 780-624-5850, sbucknell@visioncu.ca

Term deposits

Invest with the confidence of a fixed interest rate and guaranteed returns. Choose a timeframe, deposit your money, and watch with confidence as your retirement savings grow. RRSPs, RRIFs, TFSAs and term deposit are available in variable, redeemable and non-redeemable, 3/5-year Escalator or Prime Rate Riser formats.

 


Ready to get started?

Contact Vision’s experienced team of Credential Asset Management Financial Advisors for more information.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Sandra Bucknell at 780-624-5850, sbucknell@visioncu.ca

Online investing with Qtrade Investor

Prefer to manage your own investments? Vision Credit Union has partnered with the online brokerage, Qtrade Investor to provide you with online investing from one of Canada's best online brokers.

 


  • Exceptional value: $8.75 stock trades for everyone, regardless of your account value, and $6.95 stock trades for more active traders. Plus, choose from 100 free ETFs and trade mutual funds commission free.

  • Outstanding service: Prompt, friendly service is part of the Qtrade experience. Get the right answers and solutions, right away. Knowledgeable investment representatives are ready to help you open a new account, transfer funds, or place a trade.

  • Accounts you need: Non-registered and registered accounts, including cash, margin, RSP, TFSA, RESP, RIF, and more.

  • Investment choices: Build a diversified portfolio from a wide range of investments including stocks, ETFs, mutual funds, bonds, GICs, and options, plus new issues/IPOs.

  • Planning and research tools: In-depth research and powerful tools to help you set goals, find and evaluate investing ideas, and review your portfolio. Qtrade gives you all the essentials, plus plenty of extras, including real-time quotes, analysts' recommendations, market news, investment screening tools, model portfolios, technical data, and much more.

  • Convenient access: Stay connected to the markets, wherever, whenever. Invest, monitor your portfolio positions and access market information online, with Qtrade Mobile for iPhone, iPad, and Android.

  • Award-winning trading experience: Qtrade Investor's easy-to-use and comprehensive trading platform has consistently been rated among Canada's best by independent reviewers, including The Globe and Mail, MoneySense, and Surviscor.

Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.

 

Learn how Qtrade Investor can help you reach your financial goals.

 
Qtrade Investor
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