Atherton Financial Group Inc.

Mutual funds

Mutual funds, including our exclusive Quadrus Group of Funds, are offered through our mutual fund dealer, Quadrus Investment Services Ltd.

Mutual funds allow individuals to pool their savings in a portfolio of investments managed by professional money managers. Because of the large amount of money in the pool, mutual funds can diversify a portfolio more widely than an individual may be able to when investing on their own.

  • Registered retirement savings plan (RRSP)
  • Registered education savings plan (RESP)
  • Registered retirement income fund (RRIF)
  • Tax-free savings account (TFSA)
  • Registered disability savings plan (RDSP)

Features and benefits

Mutual funds offer a number of features and benefits, including:

Liquidity

Mutual fund units may generally be redeemed at any time. The redemption value will depend on the unit value on the day of redemption and may be lower or higher than the purchase price.

Diversification

While an investment in a single company or industry exposes an investor to the ups and downs of that company or industry, mutual funds allow investors to diversify their portfolios among many different companies and industries within Canada and across the world. Through a selection of funds managed by different fund managers, investors may also benefit from diversity of investment style.

Returns

Mutual funds offer the potential for higher returns compared to guaranteed investment certificates (GICs) and deferred annuities. However, mutual funds also carry more risk.

Professional management

Unit holders benefit from the expertise of professional managers who have training and experience in the investment field. Fund managers continually research and monitor markets, trends and the companies in which they invest to maintain proper diversification, and to maximize returns consistent with the fund’s objectives.

Cost-effectiveness

Mutual funds are one of the most cost-effective ways to own a diversified, professionally managed portfolio. Mutual funds allow you to invest in several different companies at a fraction of the cost of buying individual units of each of the companies in similar proportions to the mutual fund.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.