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 provides access to investment and financial planning services via our experienced, in-house Credential Asset Management Inc. team.

 

Contact the Credential Asset Management Inc. team at Vision.
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
Jim Grant at 780-842-1373, jim.grant@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@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
Jim Grant at 780-842-1373, jim.grant@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca


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
Jim Grant at 780-842-1373, jim.grant@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca


 


Get investment rewards without the risk

Our no-fee, three and five-year term RRSPs offer the potential of stock market performance with a guaranteed principal and minimum rate of return. It’s all upside, no downside. Available only until March 1.

 


Performance Products Canada 2023 | 3-year term RRSP
Principal-protected RRSP investments

  • No risk exposure to the returns of the S&P TSX 60 Index
  • 3% minimum guaranteed rate of return
  • 22.5% maximum rate of return of up (7% annualized)
  • Interest paid on maturity
  • No fees

Performance Products US 2023 | 5-year term RRSP
Principal-protected RRSP investments

  • No risk exposure to the returns of the S&P 500 Index
  • 5% minimum guaranteed rate of return
  • 30% maximum rate of return of up (5.39% annualized)
  • Interest paid on maturity
  • No fees

Performance Products 2023 are also available as Term Deposit and TFSA investments – deadline, March 16.

Learn more. Talk to a Vision member service representative today.

Plant your savings somewhere safe and watch them grow

Take advantage of Vision Credit Union’s special 18- and 30-month term RRSPs. Grow your savings with our high interest rates and earn a 25% profit share interest bonus.

 


  • 18 Month: 4.1% (Rate after estimated Profit Share return 5.12%)*
  • 30 Month: 4.2% (Rate after estimated Profit Share return 5.25%)*
*based on a 12-year average of 25%

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
Jim Grant at 780-842-1373, jim.grant@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca

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
Jim Grant at 780-842-1373, jim.grant@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@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
Jim Grant at 780-842-1373, jim.grant@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@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, or 3/5-year Escalator formats.

Write your own future

You’ve got goals. For your future. For your family’s future. Pursue them with the confidence that comes from expanded investor knowledge and expert insights. And from tools that help guide your investment decisions.
We’ve partnered with Qtrade Direct Investing™ to give you the confidence to buy and sell stocks, bonds, ETFs, and mutual funds – with low trading fees.

 


  • Execute with ease on an award-winning trading platform. Qtrade has consistently been ranked Canada’s #1 online investing platform.

  • Realize opportunity with industry-leading tools. Whatever your level of investment experience, build, evaluate and test your portfolio with calculators, and tools like Portfolio Creator™, Portfolio Score™ and Portfolio Simulator™, which feature the industry's most advanced risk analysis and portfolio-building technology.

  • Move forward with Canada’s best online trading support. You can count on Qtrade. Friendly and responsive client service. Online self-help. How-to videos. An extensive library of articles and learning resources. And more.

The key to investing confidence is in your hands. Qtrade can help you work toward your financial goals today. Open an account.

Not ready to commit? Take Qtrade for a spin with a 30-day free trial account. Sign up.

Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade, Qtrade Direct Investing, and Write your own future are trade names and/or trademarks of Aviso Wealth Inc.

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