Mutual Fund Information

Fee Discussion (207.36 KB)
Fees can be difficult to understand. Here is a simple and effective diagram explaining how the fee structure in a mutual fund works.
Value of Advice (203.11 KB)
Getting help to invest, manage taxes and protect your family can be worth the cost.
Don't Miss Out (107.21 KB)
Don't risk missing out on the market's best days.
Check out the comparison of bad years to good years in the market - it may surprise you.
US Equity Returns (44.84 KB)
See the comparison of good and bad years for the American market.
Retirement (492.72 KB)
Retirement trends that will shape the rest of the decade.
Good advice is a great idea.
Think Globally (37.4 KB)
Performance of Canadian vs. International markets.
Don't let inflation decrease your purchasing power.
Market Movements (31.87 KB)
Check out the years the markets were up vs. when they were down.
What We Do (862.73 KB)
A Greater Perspective

General

Mackenzie Investments was founded in 1967 and is a leading investment management firm providing investment advisory and related services to retail and institutional clients.
Manulife Securities has $34.4 billion* in assets under administration and is a wholly-owned subsidiary of Manulife Financial – a leading Canada-based financial services group with principal operations in Asia, Canada and the United States.
Established in Canada in 1987, Fidelity Investments Canada is committed to distinguishing itself as the premier provider of investment services for Canadians.
Sentry was founded by John F. Driscoll, a passionate, industrious entrepreneur, who was driven by the goal of helping Canadians achieve their investment goals.
The Canada Revenue Agency (CRA) administers tax laws for the Government of Canada and for most provinces and territories, and administers various social and economic benefit and incentive programs delivered through the tax system.

Interesting Reads

In most provinces, a corporation can be licensed to receive insurance commissions, including commissions on insurance-based investment products such as annuities and segregated funds...
With the RRSP deadline approaching, retirement planning is top of mind for Canadians, many of whom invest with the sole purpose of securing a healthy retirement income. For advisors, having the ability to help clients develop robust retirement investment strategies is a fundamental key to success...
An ETF analog of the Fund Facts used for mutual funds, ETF Facts, is going to be required from dealers starting September.
Risk profiling is a complex, multidimensional process that combines many factors, both subjective and objective, to create an overall assessment of the most appropriate level of risk for an investor...
Buying your first home can one of the most nerve-wracking purchases of your life. You’re committing all (or most) of your earthly worth to a deal that seems straightforward but actually has a lot of crucial (and sometimes hard to understand) details...
Use this list to help your senior clients ensure they claim the most common tax credits, deductions and benefits for which they’re eligible...
You have a lot to remember as an advisor, so we’ve assembled this reference list of tax numbers. We’ll update it as things change...
Contributing too much to RRSPs can lead to harsh consequences. The most recent case to address this issue was Hall v The Queen (2016 TCC 221)...
Over the last 44 years, however, Canada’s Department of Finance has introduced various measures impacting the reporting and taxation of capital gains (see this chart for a comprehensive summary of those measures and their dates)...
There are three trends that will guide the Canadian economy in 2017...
In the late 19th century, Henry Chadwick, an English statistician and cricket fan, introduced the concept of batting average to the masses...
CRA has posted changes to services for the 2017 tax-filing season...
Gold slipped to a 10-month low and investors fled bullion-backed funds at the fastest pace in three years as the Federal Reserve signaled it will raise interest rates faster than previously expected...
Three in 10 Canadians currently working say they haven’t saved a cent for retirement, finds a poll by Insights West and Credential Financial...
As poll after poll reveals, only about half of adult Canadians have a will in place...
The slow speed of government decisions, which can take months or years, costs Canadians time and money to resolve tax disputes, the federal auditor general says...
Now is the time to use tax credits only available until Dec. 31, says CIBC tax planner Jamie Golombek...
Which makes you sweat more: the birds-and-bees talk with a world-weary teen or the services-and-fees talk with your blindsided client?...
You have a month to make 2016 your — and your clients’ — most tax-efficient year yet...
Kelly and her husband Anton* have merged — at least when it comes to their money. The Ontario couple have one joint chequing/savings account...
If your client runs a business, planning for succession is part of planning for success...
Thanks in part to FATCA and onerous tax reporting requirements, in the first quarter of 2016, there were 1,158 U.S. citizenship renunciations — up nearly 9.5% from the last quarter of 2015...
It’s an advisor’s job to give you the information and tools to make knowledgeable investing and saving decisions, but there are ways to empower yourself too...
Since the end of August, more capital has flowed into real estate—and that trend will continue, says Chip McKinley, senior vice-president and portfolio manager with Cohen & Steers in New York...
The 2016 Federal Budget contained changes that impacted the Capital Dividend Account (CDA) and transfers of life insurance policies in certain circumstances...
Do you have a business for which you’re looking at transferring ownership to management or your children? If yes, you should consider some of the benefits of a classic estate freeze, a strategy to help you manage your estate tax bill...
When a client is laid off or incurs unexpected costs, one of their first worries is whether they’ll be able to keep paying their day-to-day expenses. That’s why helping people build emergency funds is crucial...
In response to CRM2, you’ve probably become adept at showing clients not only the fees they pay but also the value you provide. And long-standing clients no doubt recognize your impact on their wealth...
The Ontario couple have one joint chequing/savings account. Both partners’ paycheques are automatically deposited to the account, and all bills and household expenses, as well as investments, are drawn from it...
The best advisors ensure clients take advantage of all tax-efficient retirement and savings vehicles. But what happens if a client has already maxed out his or her RRSP, TFSA and personal pension room — and has additional funds to spare?...
After the CSA propsed that prospectus mutual funds should be allowed to use hedge fund strategies and tactics, we asked Chief investment Solutions Officer at Fiera Capital, Francois Bourdon, about his opinion on the move and how it may affect the Canadian investment landscape...
The current low interest rate, low inflation landscape is being caused by a number of long-term factors, which are forcing financial advisors to adapt...
I turned 67 in February of 2016. I still work full time and my yearly income is about $96,000 annually. I also collect a survivor benefit of $389 per month and have contributed to CPP for 14 years...
How do you help a retiree who is in the decumulation phase of life? Advisor Group’s Editorial Advisory Board provides insights...
A popular piece of advice for investors is that “past performance does not guarantee future results.” While most long-time clients are probably well aware of this, a report from Financial Advisor IQ points out another expectation that advisors need to manage...
2017 Tax Updates
A seasoned advisor explains why she wants to see greater definition around what financial planners offer.
A new report suggested that advisors deserve more for what they bring to the table.
While its roughly $4-billion annual budget amounts to less than 2% of total government spending, we’re always interested in what our friendly neighbourhood tax collector is doing with public dollars.
Uncovered blocked calls and bad information.
The pros and cons of putting rental properties into corporations.
The pros and cons of working past 70 while collecting CPP and OAS.
Retirement planning is becoming more challenging than ever. People are living longer, investment yields are dropping — and 65 isn’t the career endpoint it used to be.
Minimum tax, also known as alternative minimum tax, pares back the tax advantages associated with some deductions, credits and tax shelters that reduce taxable income.
“A tax always has the effect of reducing the consumption of a good or service, and the same holds true for entrepreneurship,” said Mathieu Bédard, economist at the MEI and author of Entrepreneurship and Fiscal Policy – How Taxes Affect Entrepreneurial Activity.
Are you shopping around for a new advisor? Here's some important questions to consider...
Be sure to inquire about "change in use" when converting a property to or from a rental property.