Investment Advice

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At Prism Financial Services we know that each and every investor is unique. We all have difference goals for our investment growth, priorities with how our money is invested, and comfort zones with respect to the risk and reward. Because of this we offer a diverse and flexible range of products that we can use to tailor your investment portfolio to you.

Common investment vehicles, mutual funds are packages of stocks, bonds, and other holdings that can help grow the value of your investment over time. These funds are expertly managed by a fund manager and teams of analysts that thoroughly evaluate each company into which they invest. Mutual funds tend to increase in value over long time spans, and are fairly liquid when you need to make a withdrawal.

Similar to mutual funds, segregated funds are composed of a diversified portfolio of stocks and bonds. Segregated funds, offered through insurance companies, also tend to increase in value over long time spans, and are liquid when you need to make a withdrawal. In general, segregated funds are subject to slightly higher fees then mutual funds, but may offer some capital guarantees, and a smoother transition to beneficiaries.

Like mutual funds and segregated funds above, ETFs are diversified packages of stocks, bonds or other assets. Actively managed ETFs are managed with some level of strategic decision making and subject to similar fees as mutual funds. Alternatively, index ETFs are passively managed lower fee alternatives that simply mirror an index. There are advantages and disadvantages to each approach; we can help you find a mix that is right for you.

For those with a low risk tolerance, we offer a variety of capital protected options. These accounts may (money market funds, high interest savings accounts) or may not (GICs) be readily liquid and easily accessible for withdrawals. While these investment vehicles provide peace of mind and capital certainty, they also have more limited growth potential than the above market exposed investments.

Segregated Funds are offered through Prism Financial Services. Please see Website Disclaimer by clicking on the link below.