Mutual Funds

Mutual Funds combine the benefits of diversification and professional management with being affordable to the average investor.

Valley Credit Union offers mutual funds in partnership with Qtrade Financial Group.



Who is Qtrade?

Qtrade Advisor and Qtrade Asset Management ("Qtrade") are part of Aviso Wealth, your credit union’s wealth management partner. Aviso provides investment advice and solutions to the members and clients of more than 300 financial institutions
across Canada.

We are committed to serving individual investors just like you. You have worked hard to accumulate what you have, so you already appreciate the discipline, patience and know-how it takes to reach important milestones. Qtrade along with the dedicated credit union investment representatives, work with you to apply the same discipline to your investments.

What services do Valley Credit Union and Qtrade offer our members?

Asset Management

NEI, an independent Canadian company, and wholly-owned subsidiary of Aviso Wealth Inc., now offers Canada’s largest and most diversified range of Responsible Investment (RI) solutions, mutual fund and investment portfolios. NEI’s goal is to make a positive difference - for investors, partners, and society.

NEI's full range of RI solutions cover all major asset classes, investment styles and geographic regions. A variety of RI approaches are applied selectively by NEI’s proprietary ESG team across NEI's lineup of funds and portfolios, with solutions that carry the Responsible Screen (RS) designation automatically excluding investments in select categories and industries.



Valley Credit Union also offers members a choice of Three (3) Fidelity Rebalancing Portfolios:

Income Portfolio

The Portfolio aims to achieve a combination of capital gains and income. It invests primarily in underlying funds that generally invest in Canadian equity and fixed-income securities.

The Fund invests primarily in underlying funds including other Fidelity Funds and ETFs. These underlying funds generally invest in Canadian equity securities, foreign equity securities and/or fixed income  securities, with generally more emphasis on Canadian equity securities and fixed income securities.  The Fund's neutral mix is 40% equity securities and 60% fixed income securities and money market instruments, which may vary by up to +/- 15%.

Balanced Portfolio

Investment Strategy

The Portfolio aims to achieve a high total investment return and uses a balanced approach. It invests primarily in underlying funds that generally invest in Canadian equity and fixed-income securities.

The Fund invests primarily in underlying funds including other Fidelity Funds and ETFs. These underlying funds generally invest in Canadian equity securities, foreign equity securities and/or fixed income securities, with generally more emphasis on Canadian equity securities and fixed income securities.  The Fund's neutral mix is 60% equity securities and 40% fixed income securities and money market instruments, which may vary by up to +/-15%.

Growth Portfolio

The Portfolio aims to achieve a high total investment return and is geared toward capital growth. It invests primarily in underlying funds that generally invest in Canadian and international equity and fixed-income securities.

The Fund invests primarily in underlying funds including other Fidelity Funds and ETFs. These underlying funds generally invest in Canadian equity securities, foreign equity securities and/or fixed income  securities, with generally more emphasis on Canadian equity securities and fixed income securities. The Fund's neutral mix is 85% equity securities and 15% fixed income securities, which may vary by up to +/- 15%.




Mutual funds and other securities are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. Mutual funds are offered through Qtrade Asset Management Inc., Member MFDA.

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

 

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