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Today's investor has no shortage of investment options to choose from. We believe so strongly in our mission to make money management easy for our clients that we went and had it registered as our Trade Mark - Money Management Made EasyŽ.

We want you to profit from our research. This section provides a base reference source of investment products in a simple format. The information outlined below is provided to give an overall illustration of parameters that may be in effect for this investment product.

SAFETY Score:- 6 - High/Very High
ACCESS TO FUNDS Score:- 5 1/2 - High/Very High
INCOME Score:- 3 -Moderate 
TYPE OF RISK Inflation - some interest rate risk
TERM / TIME FRAME 1 month to 18 months
  • Guaranteed interest income
  • Liquidity
  • Security of principal
  • 6 or 18 months $5,000
  • 3 months $10,000
  • 1 - 2 months $25,000
EARNINGS / DISTRIBUTIONS Short term at maturity
TAX TREATMENT Return is considered interest income, except if sold prior to maturity then the difference between the price paid and the selling price is capital gain or capital loss.
WITHDRAWALS / REDEMPTIONS May be sold prior to maturity at market value
  • Interest coupons and principal portion of federal or provincial government bond are separated or "striped" and sold separately at a discount to face value.
  • Fully guaranteed by the issuing government for any amount.
  • The longest money market instrument-term can be extended to 18 months.

Table reference scale:

1 - Low 2 - Low/Moderate 3 - Moderate
4 - High/Moderate 5 - High 6 - High/Very High

Simple risk definitions:

Inflation Increases in the value of goods will erode the purchasing power of your investment
Interest Rate Rates rise - Fixed rate investments lose value
Currency The value of your investment is effected by the fluctuations in currency value
Market Stock market - economic, political or social events that produce declines in value
Credit Possible default on payments or secured assets decline below par value or face value

Choosing which investments are right for you will depend on a number of factors:

Your Primary Goal - Is it to have your money readily accessible, to have a dependable source of regular income, or to build your assets over time? Each type of investment fulfills a different need.

Your Time Horizon - When will you need the proceeds of your investment? If it's within a few months or years then short-term cashable GICs or income investments should be considered. With a long term horizon, you may want to add growth investments to the mix.

Your Risk Tolerance - Growth investments with a higher level of risk will generally pay higher return, but if your nest egg and peace of mind are key, investments with safety of principal is the answer.

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