Being an effective financial security and investment representative means you consider your clients' needs and goals on an Individual basis. This chart can serve as a guideline to helping you choose the product that is right for you, but it should not be considered in isolation of other factors.
Segregated Funds |
Mutual Funds |
Target Market |
Target Market |
Professionals (e.g. doctors, dentists, engineers, accountants and lawyers) because they have higher exposure to personal liability.
"I want my investments in my spouse's name since I can be sued personally." |
Younger
|
A sole proprietor or partner in a business where they may be exposed to bankruptcy, personal liability and unlimited personal guarantees
"I want to protect my family in case something happens to the business." |
Longer time horizon
"I have a long time before I need this money and want it to do well." |
Older
"I will need these funds for my retirement." |
Risk tolerant
"I know the market is volatile, but I have confidence that in the long run, my portfolio will have grown." |
Conservative
"I really am nervous of the markets. I'm worried about losing all my money." |
Price sensitive
"I don't want to pay any extra fees that will lower my return on investment." |
Interested in estate bypass
'I want to ensure my family gets my money quickly and without hassle. |
Financially secure
'I don't need it to pay for today's bills, and I'm not willing to pay extra for guarantees I don't
feel I will need. |
| |
|
Characteristics |
Characteristics |
| Potential creditor protection |
No creditor protection |
| Estate bypass (with a named beneficiary) |
Designating a beneficiary does not guarantee estate bypass |
| Capital guarantees on death and maturity |
No guarantees of principal or earnings |
| Sometimes higher management expense ratios (note. our segregated funds have some of the
most competitive prices in the industry.) |
Generally lower management expense ratios |
| Regulated by CLHIA and provincial insurance acts |
Regulated by securities legislation |
| The client must receive the information folder before or during the sale. |
The client must receive the simplified prospectus within 48 hours of the mutual fund purchase |
As a full-service mutual fund dealer, Quadrus Investment Services Ltd. offers a competitive balance of mutual fund solutions and services. Quadrus provides access to an exclusive mutual fund family - Quadrus Group of Funds - and hundreds of other brand-name mutual funds.
