Education & Tools

If you’re new to investing in mutual funds, we recommend that you do some homework to become familiarized with their structure and attributes. The Ontario Securities Commission’s Investor Education Fund is a useful site for learning the basics of mutual fund investing.  You'll also find several links to the right that provide educational and industry information that you may find valuable. 

We feel that there are four aspects of investing that all investors, novice and sophisticated, should pay close attention to when building and monitoring a portfolio.

Asset Allocation

Your portfolio’s allocation of stocks, bonds and cash will have the greatest impact on your long-term returns, as well as your portfolio’s short-term volatility. Make sure you have a firm grasp of your investment objective and risk tolerance when building a portfolio.

Fees

Investment fees come in all forms and can substantially reduce your returns. Look to avoid unnecessary fees and seek low-cost investment products.

Risk & Diversification

If you are investing, rather than saving, risk cannot be avoided. It should, however, be understood. Diversification is an important tool for mitigating risk, but beware of the dangers of overdiversification.

Taxes

Taxes can take a notable bite out of your returns. Structuring your portfolio with taxes in mind and minimizing turnover within your portfolio can help reduce your tax bill.