INVESTMENT SERVICES
Money Market Accounts
Term Deposits
Index Linked Term Deposits
Registered Education
Savings Plan
Mutual Funds
- are offered through Credential Asset Management Inc.
Stocks Bonds and Mutual
Funds - are offered through Credential Securities Inc.
Online Trading - is offered through
Credential Direct®
Insurance and Segregated Funds -
are offered through Credential Financial Strategies Inc.
RRSP
For further information on our investment
services, please e-mail us at information@cornerstone.cu.sk.ca.
PERSONAL BANKING
Money
Market Accounts
Term
Deposits
Index
Linked Term Deposits
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Periodically throughout the year, Cornerstone Credit
Union offers Index-Linked Term Deposits. Returns on the MARKETFLEX™
Term Deposit are based on the performance of various market indices.
These products offer the ability to participate in the Canadian stock
market without risk to your principle investment. There are no
commissions or management fees and deposits are fully guaranteed by
the Credit Union Deposit Guarantee Corporation.
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Registered
Education Savings Plan
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Each child holds a wealth of opportunity in their hands
Put the advantage of
post-secondary education within their reach with
Ethical Funds® |
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The importance of education
"Education is a gateway to higher earnings," according to
Statistics Canada and the 2001 Census.
More than 60% of Canadians in the highest earning
category — over $100,000 a year — have a university degree.
Between 1991 and 2001, average undergraduate
tuition fees at Canadian universities rose by 135.4% — more than 6
times the rate of inflation. By the 2002/3 academic year, an
undergraduate at a Canadian university faced tuition fees averaging
$3,738 (Source: Statistics Canada, 2002). Fees are likely to
continue to rise.
Whether you are hoping for your child to attend
post-secondary school, or are an adult wishing to return to school
yourself, you'll need a savings plan to make the dream a reality.
Your Investment Options
There are a number of options available to make saving for education
as easy as possible.
Any one of these options — or a combination —
might be the right solution for you. Your investment professional
can help you determine what will work best for your situation.
Registered
Education Savings Plans (RESPs)
In-trust
Accounts (ITAs)
Formal
Trusts
Savings
and Investment Accounts
Lifelong
Learning Plans (LLPs)
Ethical Funds: The socially responsible
solution
Ethical Funds is Canada's leader in socially responsible
investing with a full family of Funds
to choose from for your education savings portfolio.
Ethical Funds screens all companies for
investment fundamentals. Ethical Funds has also developed a Shareholder
Action program to ensure that they screen with your values in
mind. This is the heart of socially responsible investing.
Getting Started
Every dream is different and every student is unique.
That's why we recommend that you consult with
your investment professional before you make any decisions about an
education savings plan. They have the expertise to help you build a
plan that works within your means to achieve your goals.
Talk to your Credential® Asset
Management Mutual Funds Investment Specialist at Cornerstone Credit
Union today about how Ethical Funds can become a part of
your education savings plan. Investing with Ethical Funds can
make a difference in the future of your child, and help companies
make the world a better place for all children.
For more information, visit www.ethicalfunds.com.
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Family
of Ethical Funds
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If you want your money to be invested
responsibly – both socially and environmentally – there’s only one
clear choice. Ethical Funds (important
legal information) is Canada’s most comprehensive family of
socially responsible mutual funds. Our family of funds gives you
a range of domestic and foreign investment options, so you can build
a portfolio suited to your goals. Whether you are investing in registered
or unregistered savings vehicles, the family of Ethical Funds
is the responsible choice.
Ethical Funds® are sold in all provinces and territories
across Canada
Mutual
Funds
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There are thousands of mutual funds available on the
market today. Sometimes the choices can be overwhelming.
Ask a Mutual Funds Investment Specialist to help you choose
the fund or funds that are right for you. Through Credential Asset
Management Inc., credit union members have access to hundreds of the
top performing mutual funds available today.
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. ®Credential is a registered
mark owned by Credential Financial Inc. and is used under licence. Top of Page
Stocks
Bonds and Mutual Funds
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Through our partnership with Credential Securities Inc.
(CSI), credit
union members have access to full service brokerage functions.
Our professional CSI Investment Advisor have access to full-service
back office systems and support, equity and fixed income markets and
up-to-the-minute research and information. Using an
investment planning
approach focused on your needs, goals and risk tolerance, our CSI Investment
Advisor can help the experienced or novice investor meet their investment
objectives.
Online
Trading
Introducing Credential
Direct ® 
The Power of On-line
Trading. The Values of Your Credit Union.
Trade any
time, anywhere with Credential Direct. We are owned by
the credit union system, so you get the same great service you expect
from your credit union. Here are just some of the great features
and benefits at Credential Direct that we have for you:
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Competitive Commission pricing
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Intuitive and User-Friendly
Website
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Friendly and Efficient
Customer Service
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Detailed Real Time Quotes
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Customizable charting tools
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Stock screening tools
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Tools for Technical Analysis
New clients can click here
to open an account.
Mutual funds and other
securities are offered through Credential Securities Inc. and Credential
Direct®, a division of Credential Securities Inc., which operates
as a separate business unit. 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 funds and other securities are not
guaranteed, their values change frequently and past performance may not
be repeated. Credential Securities Inc. is a Member - CIPF.
®Credential is a registered
mark owned by Credential Financial Inc. and is used under licence.
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Whether it’s investing, capital preservation,
estate planning, saving or insurance, credit union members can meet
their wealth management needs through Credential Financial
Strategies Inc.
A member-focused
strategy that accounts for the separate and distinct financial needs of
each member, Credential Financial Strategies
offers credit
union members across Canada the opportunity to obtain personal financial
planning and analysis from qualified and experienced professionals without
cost or obligation.
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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For further information on our investment
services, please e-mail us at information@cornerstone.cu.sk.ca.
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