Business > Investments
Mutual Funds | Term Deposit or Guaranteed Investment Certificate |
Bonds | RRSPs | RRIFs | RESPs | Non-Registered Investments
PROFIT SHARING: When you invest with the Caisse, you share in the profits
Investing is no longer a luxury for some – it’s reality for all. The Caisse offers access to a wide range of products and services that will get your money working for you. When you’re ready to invest, talk with your Caisse Certified Financial Planner professionals, or our Caisse partners, Credential Financial Strategies Inc. or C Finance.
As a Caisse member, you have access to a broad selection of mutual funds* to meet your individual investments needs and style. These funds, including Ethical Funds®, are available through our partner, Credential Asset Management Inc., which provides a broad selection of mutual funds* through the top fund companies, as well as the Manitoba labour-sponsored ENSIS Growth Fund.
*Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. ENSIS Growth Fund offers a 30% tax credit available to residents of Manitoba. Tax credits are available to eligible investors provided that the shares are held for at least eight years from the date of purchase. Ethical Funds® are available only to Canadian residents. ®Ethical Funds and The Ethical Funds Company are registered marks owned by Ethical Funds Inc. and are used under licence. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.
Earn an attractive and guaranteed interest rate through this investment of funds for an open or fixed period of time (terms range from 30 days to seven years).
The Caisse offers its members Canada Savings Bonds, Manitoba Builder Bonds (redemption only) and Manitoba Hydro Bonds.
A Registered Retirement Savings Plan is a government-approved plan through which you save money for your retirement years. Contributions, within limits, are tax deductible and the income earned is tax-sheltered. Investment options include mutual funds*, GICs or term deposits. Ask us about borrowing funds at a preferential rate of interest to maximize your RRSP contribution.
A Registered Retirement Income Fund is a tax-sheltered plan that allows members to convert accumulated RRSP savings without penalty into a flexible, secure retirement income. RRSPs must be converted to RRIFs at age 69.
A Registered Education Savings Plan is an investment plan (where interest earned is tax sheltered) providing post-secondary education funding to the beneficiary. The federal government will also contribute 20 per cent on the first $2,000 deposited annually into a RESP account.
We can also manage all your non-registered (non-tax sheltered) investments.
Credential Financial Strategies Inc. and/or C Finance are not available at all Caisse locations. Please contact your Caisse branch for details.
Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities.
®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.
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