• Investor Education | iA Clarington

    Management Expense Ratios explained

    The Management Expense Ratio, or MER, is a fee charged on mutual funds for the costs associated with running the fund. It’s not a new fee. In fact, the MER has applied to mutual funds since they were introduced in the 1980s. Recent changes in mutual fund regulations, designed to ensure that investors are clear on the fees they are being charged have brought the MER into focus. The MER now appears on all mutual fund statements, so investors can see what they’re paying.
  • Investor Education | iA Clarington

    Mutual fund investing: Understanding the costs

    Mutual funds are a popular investment option in helping Canadians achieve their financial goals. They are professionally managed, diversified investments that can provide ready access to your money. For many investors, mutual funds represent good value as they can be a cost effective way to run a portfolio.
  • Investor Education | iA Clarington

    Tax-Free Savings Account

    Like the RRSP, the TFSA is a registered account developed to help Canadians save. While TFSAs can be used to save for and during retirement, the rules are different, making TFSAs useful for short-term savings goals such as family vacations, and for longer-term goals such as purchasing a new car or home renovations.
  • Investor Education | iA Clarington

    Growth vs. value

    Making use of different investment styles can help your portfolio.

    Professional investment managers have different styles and approaches. Two of the best known are
    Growth. The portfolio manager looks for companies that are growing rapidly – in their earnings,
    sales and/or return on investment.
    Value. This style focuses on bargains: stocks that have strong potential but are not appreciated
    by the market. As a result, they have low prices that don’t reflect their true value.
  • Investor Education | iA Clarington

    What are mutual funds and why would you want to invest in them?

    A mutual fund is a way of pooling your investment money with a large group of other investors. As a group, you get advantages and cost savings that might not be available to you as an individual investor.
  • Investor Education | iA Clarington

    Understanding risk

    A crucial factor in successful investing is understanding risk and how much of it you can afford to take.

    All investments involve a certain degree of risk. Whether you’re buying a government bond or shares in a start-up company, you are lending money. In some cases it’s very unlikely you won’t be paid back, but you also won’t get much return for the risk you’re taking. If you’re willing to take more risk, you’ll be offered a better potential return. 

  • Investor Education | iA Clarington

    The bulls outweigh the bears

    No one enjoys a bear market – usually defined as a market decline of 20% or more over two months.

    But looking back through the history of both the Canadian and U.S. stock markets, it’s clear that on average, bull markets – an increase of 50% or more in the value of the stock market – last longer and more than make up for the losses during the bear markets.

    That’s yet another argument for taking the long-term view and staying invested – even when the bear is abroad.

    Your advisor can explain to you how your portfolio would likely be affected by a bear market and what strategies are in place to avoid the worst effects. 

  • Investor Education | iA Clarington

    The advantage of investing early

    Starting young can be one of the best ways to build your wealth.

    How much you save is important, but when you start can also have a big effect. The sooner you invest – even if it’s only a small amount – the more time your money has to reap the benefits of compounding. Put simply, not only will the money you originally saved have the opportunity to earn returns, those returns can also, potentially, earn returns.

    And lest you be discouraged, remember that no matter what age you are, “starting now” will always be earlier than “starting later.” 

  • Investor Education | iA Clarington

    Finding the right advisor

    Choosing a financial advisor can be one of the most important decisions you’ll ever make. So it’s worth taking the time to find the person who’s right for you.


    In order to choose the right kind of advisor, you should start by understanding what it is you’re looking for. Do you want someone to help you set goals and create a financial plan? Or are you just interested in investment advice? How involved do you want to be in making decisions? What are the financial issues that keep you awake at night? 

  • Investor Education | iA Clarington

    Emotional investing

    What is it and how can it help you?

    When something more powerful is threatening us, thousands of years of experience tell us to get out as fast as possible. That’s a useful reaction when dealing with bears, avalanches and hurricanes, but not so helpful when it comes to investing.