​INVEST IN YOUR BUSINESS

Growing your business starts today.

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TAKE BUSINESS GROWTH INTO HYPERDRIVE

Build an investment plan for your business so you can keep more of your hard-earned money and grow.


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GROW YOUR BUSINESS WITH EXPERT ADVICE

It takes a lot to run a successful business. Luckily, you don't have to do it alone: our Business Banking Advisors have the experience and expertise to help take your business to the next level. 

From setting up your accounts properly to writing compelling business plans that'll secure financing, we're here for you. 

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INVESTMENT OPTIONS


Term Deposits

Term deposits are a great way to grow your money in the short term. Terms can vary from 4 months to 5 years and are either redeemable or non-redeemable. They also come with a deposit guarantee. 

Learn more about term deposits

Mutual Funds

Mutual funds are investments that pool money from many individuals and invest the funds according to certain stated objectives. Mutual funds are managed by fund managers.​

We offer a full range of investment solutions from NEI Investments, including the Responsible Investment (RI) solutions. Our full range of RI solutions cover all major asset classes, investment styles and geographic regions. A variety of RI approaches are applied selectively by NEI’s proprietary ESG team across NEI's lineup of funds and portfolios, with solutions that carry the Responsible Screen (RS) designation automatically excluding investments in select categories and industries.

  • Funds can be registered (i.e. RSP/RIF) or non-registered
  • Invest as little as $50 per month and redeem funds should you need them
  • Own many different types of underlying investments within each fund to reduce your overall risk Investments available to suit any risk tolerance
  • Small investors can gain the potential of high returns through access to higher-yielding securities such as stocks and bonds
  • Funds are professionally managed
  • Dividend and capital gain income is taxed at a lower rate than earned interest

Segregated Funds

Segregated funds are similar to mutual funds but offered by insurance companies. They have a bit more security built into them, and consequently, generally more modest returns. ​

Simply put, a segregated fund combines the growth potential of a mutual fund with the security of a life insurance policy. Since there is an insurance component to segregated funds, they need to be sold by our licensed wealth management specialists.

Segregated funds:
  • offer the same features and options as mutual funds but they protect your investment savings from sudden market declines.
  • offer benefit guarantees so you and your family will be able to rely on this income for life.
  • preserve the value of your estate for your loved ones
  • offer beneficiary designation so you can avoid probate – a sometimes long and lengthy process
  • provide potential creditor protection for small business owners and professional 

Stocks and Bonds

For seasoned investors who want to manage their investment plans personally, stocks and bonds provide the flexibility to completely customize their portfolio with the possibility of achieving high returns. ​

Stocks

When you purchase stocks in a company, you are buying part ownership, or shares, in that company. Investing in individual securities outside of mutual funds can generate increased returns for more sophisticated investors.

  • Stock prices usually reflect the earnings experience of the company and generally, the higher the potential return, the greater the risk.
  • The advantage of being a stockholder, is that you share in the profits of the company you hold stock in.
  • Stock prices are dependent on a number of variables including the time of year, the economy and how well the company is doing in the public eye.
  • There are several different kinds of stock which pay a different percentage of dividends to stockholders.
  • Consider buying stocks as part of your mutual fund portfolio.

Bonds

Bonds are a debt investment whereby you loan money to companies and other entities for a defined period of time at a fixed interest rate—basically an IOU.

  • Although they may seem to offer an insignificant return compared to the stock market, their safety and security can be invaluable during uncertain economic times.
  • Unlike stocks, bonds do not entitle the Bondholder to a share in the companies profits.
  • Bonds do carry some risk in that the promised payment may not be made.
  • Bonds, similar to common stocks, fluctuate in market value and, if sold prior to maturity, may produce a gain or a loss in principal value. 

Capital Dividend Accounts

Capital dividend accounts are special accounts that small businesses and corporations use to pay dividends to their shareholders tax-free.
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Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. Mutual funds and related financial planning are also offered through Qtrade 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 insured nor guaranteed, their values change frequently and past performance may not be repeated. 

BOOK A FINANCIAL SNAPSHOT

Understand your business and its needs from a holistic perspective. With a financial snapshot, you can identify your greatest financial strengths and your most pressing needs. 

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WE'RE HERE FOR YOU

Everything is easier with a little help.

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