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The
Credential Select Advantage
Access
to Multiple Top Fund Managers
Benefit from the expertise of underlying
fund portfolio managers with names
you can trust. All managers are experts
in their respective area of specialization
and style and have met and surpassed
rigorous selection criteria based
on track record, clarity, consistency,
and strategic focus.
Diversified
to Reduce Volatility
Your Credential Select Portfolio Fund
gains wide exposure to the world's
capital markets by diversifying across
multiple investment types, manager
styles, geographies, and asset classes.
Diversification makes your investments
less susceptible to market volatility,
and positions them better to chart
a path of steady growth.
Asset
Allocation
Strategic asset allocation is done
for you. And since as much as 91%
of a portfolio's performance variation
can be attributed to asset allocation,
not market timing that's an important
advantage. Your Credential Select
Portfolio Fund takes care of the complexity
of asset allocation for you —
weighting the asset classes to align
with your financial goals.
Automatically
Rebalanced
Free yourself from the demands of
monitoring your investments on a day-to-day
basis. Each Credential Select Portfolio
Fund is automatically rebalanced to
ensure your portfolio's asset allocation
continues to match your risk tolerance
level and financial objectives.
Portfolios
for All Investor Types
There is a
Credential Select Portfolio Fund that's
appropriate for almost every investor:
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Credential
Select Conservative Portfolio |
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For
investors who value income and
security more than growth, over
a medium time horizon.
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Credential
Select Balanced Portfolio |
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For
investors who want both income
and growth, over a medium time
horizon.
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Credential
Select Growth Portfolio |
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For
investors looking for long-term
growth through equity and income-oriented
mutual funds.
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Credential
Select High Growth Portfolio |
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For
investors who want long-term growth
through equity mutual funds. |
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Which
Credential Select Portfolio Fund is
best for you?
Credential Select Portfolio Funds
have been developed for investors
of all types, so there's a portfolio
that's appropriate for you. Your investment
professional will ask you a series
of questions to determine your investing
time horizon, your risk tolerance,
and your financial goals.
Your unique
investor profile will help identify
which Credential Select Portfolio
Fund is best suited to you.
Investing
Made Even Easier with a PAC Plan
Consider paying
yourself first with a Pre-Authorized
Contribution or 'PAC' plan. A PAC
lets you conveniently and regularly
deduct as little as $50 a month (min.
$25 per Fund) from your credit union
account. Set up a monthly PAC of $100
or more for your RRSP and we'll waive
the $25 annual administration fee†.
Contribute
either weekly, monthly, every six
months, or annually — whatever
works for you.
† Effective Oct 1,
2004. Applies to PAC plan contributions
(equivalent to $1,200 or more/year)
in new and existing Credential Select
Portfolio Fund client name accounts.
Annual administration fee of $25 plus
taxes usually applies to RRSP plans
with balances below $5,000. Minimum
initial investment of $2,500 still
applies.
How
do I get started?
You can begin
investing in a Credential Select Portfolio
Fund with as little as $2,500*. Contact
Auto Workers Community Credit Union
and ask to speak to a Credential investment
professional. They'll work with you
to fit the right investment solution
to your particular needs. You can
rely on friendly, supportive service
and knowledgeable expertise and advice.
It's that simple.
*Waived for Group RRSP
payroll contributions
Credential Select Portfolio
Funds are available only to Canadian
residents.
About Credential®
Credential
Financial Inc. is the wealth management
distribution company servicing the
Canadian credit union system
Credential
provides credit unions with access
to a wide range of wealth management
solutions that help you build and
create financial security for you
and your family.
Credential
investment professionals and insurance
representatives operate through participating
credit unions from coast to coast.
Credential representatives are qualified
professionals trained to take a personalized
approach in assessing your particular
financial needs. They'll help you
with your financial decisions by providing
the trusted advice and friendly, expert
guidance you expect from your credit
union.
For more information,
visit www.credential.com.
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