Investment Accounts

With an Investment Account, also referred to as a Non-registered Account, there's no limit on how much you can invest, and the income you earn is generally fully taxable.

For all open investment accounts, you can open a cash account and/or a leverage account. Cash accounts or leverage accounts can be opened individually, jointly or in the name of a corporation.

Benefits of an Investment Account

  • Tax-sheltered growth with corporate class funds
  • Flexible investment options
  • Consolidated reporting

Cash Investment Account

A cash account is an investment account in which all transactions are settled in cash. A variety of investments are available through this type of account, including Mutual FundsGICsAnnuitiesBonds* and Stocks (equities)*.

*Bonds and Equities are made available through an exclusive arrangement with B2B Bank. Please speak to your Financial Advisor for details on this service.

Leverage Investment Account

A leverage account is an account that allows certain investments to be used as collateral for a loan. Follow the button below for more information on the types of leverage accounts available.

You’ve Got Choices

We offer a number of investment solutions for your non-registered portfolio:

1) Mutual Fund Investment Account

Choose from an extensive lineup of mutual funds from more than 35 fund management companies. Our fund selection encompasses a full range of savings, income and growth funds.

2) Signature Service Account

Designed with the investor in mind, this is not your typical investment account. It’s a premium asset management service that’s commission-free and gives you access to all the services, advice and investment options you need to meet your financial goals. Learn more.

3) Managed Portfolio Investment Account

Building a diversified portfolio and constantly monitoring and adjusting it takes time and expertise. For this reason, many investors prefer our “All-In-One Fund Solution,” which offers an easy and effective way to handle the money management and asset mix.

4) GIC or High-Interest Investment Account

We offer Guaranteed Investment Certificates (GICs) in terms ranging from one to five years. GICs provide guaranteed principal and interest, so they make an ideal addition to a diversified portfolio.

5) Self-Directed Investment Account

Our platform provides all the available products under one plan, with maximum flexibility to manage your investments.

Get Started

Your first step is to complete an investor profile questionnaire to help prepare an investment plan. Then you can decide on evaluating your investments.

Investor Profile Questionnaire

Investment Knowledge
If you have a high level of investment knowledge, you have a good understanding of the relative risk of various types of investments and understand how the level of risk taken affects potential returns. If you have very little knowledge of investments and financial markets, speculative and high-risk investments and strategies are likely not suitable options for you.
1. Which statement best describes your knowledge of investments?
Subtotal: 0
Investment Time Horizon
The length of your investment time horizon impacts the types of investments that may be suitable for you. If, for instance, you had a time horizon of greater than three years, you would have a greater degree of flexibility when building a portfolio (although risk tolerance and investment objectives must also be considered). If you have a short time horizon, more conservative investments like GICs or money market funds may be a more suitable option for you. Choose your investment time horizon.
2. When do you expect a need to withdraw a significant portion (30% or more) from your investment portfolio?
Subtotal: 0
Investment Objectives and Asset Mix
Your savings objectives are the goal or result you want to achieve from investing. Knowing your savings objectives will help you determine your investment asset mix and the types of investments best suited to meet your needs. The investment products used to meet your savings objectives can have varying levels of risk and potential returns
3. What is your primary goal for this portfolio?
Subtotal: 0
Comments:
Risk Capacity
Your financial situation includes your assets, debts, and your income, including the stability of your income which are all important when determining how much risk you can take with your investments. In addition, the larger the portion of your total assets that you are investing, the more conservative you might wish to be with this portion of your portfolio.
4. What is your annual income (from all sources)?
5. Your current and future income sources are?
6. Estimate your net worth by adding Liquid Asset (cash and investments) plus Fixed Assets (home and other real estate) less total Liabilities (mortgages, personal loans, credit card debt and all other debts)?
7. How would you classify your overall financial situation? The option you choose should reflect your current % of debt to assets. For example, if you have Investor A and B each with a net worth of $1,000,000. Investor A has a net worth that consists of $2,000,000 in assets and $1,000,000 in debt representing a 50% debt to asset ratio. Whereas Investor B has a net worth that consists of $4,000,000 in assets and $3,000,000 in debt representing a 75% debt to asset ratio.
8. The market value of the investment account/plan(s) covered by this questionnaire represents approximately what percentage of your total savings and investments? Total savings and investments include all the money you have in cash savings, GICs, savings bonds, mutual funds, stocks, and bonds.
9. What is your age group? Your age is an important consideration when constructing an investment portfolio as it relates to your capacity for risk. A younger investor may have a portfolio with a higher percentage of equity type investments in their asset mix to maximize the potential for growth with the understanding that should their portfolio drop in value, the longer investment time horizon provides an opportunity to recover any losses. An investor who is retired or near retirement may be less able to withstand losses and thus may desire a portfolio that is invested to maximize income and capital preservation.
Subtotal: 0
Comments:
Assessing Your Risk Capacity: Your age combined with your financial situation, including assets and debt, amount of income and the stability of that income, are important when determining how much risk you can take on with investment products. The questions in this section deal with these aspects in relation to your capacity for risk. The maximum score for this section is 68.
Interpreting the results: The scores for each section of this Investor Profile Questionnaire (IPQ) are meant to help inform the completion of your Know Your Client form – specifically, Time Horizon, Investment Knowledge, Investment Objective, and Risk Tolerance. Based on your scores in each of these categories, this IPQ also provides general KYC guidelines and a suggested asset mix.
The scores with respect to Risk Capacity and the resulting allocation on the KYC Risk Tolerance and asset mix recommendation will rely on interpretation and judgement. While scoring 30+ indicates that you have some capacity for risk and exposure to some aggressive growth products may be appropriate, it is the starting point in determining the appropriate amount and should not be interpreted as accepting 100% high risk.
It should not be inferred that a score of 30+ means that you are an aggressive investor and want substantial exposure to high-risk securities, but rather that it may be appropriate to recommend that a portion of your asset mix be in some high-risk securities.
The following table provides basic guidelines as to the suggested allocation to Risk Tolerance on your Know Your Client form based on the score in this category:
Risk Capacity Score Guidelines for Risk Tolerance Allocation
30-34 Up to 10% in MH or H
35-39 Up to 15% in MH or H
40-44 Up to 20% in MH or H
45-49 Up to 30% in MH or H
50-54 Up to 40% in MH or H
55-59 Up to 50% in MH or H
60+ 50%+ in MH or H
If the Risk Capacity Score is in the 60+ range, which would potentially allow for 50% or more in a higher risk tolerance allocation on your KYC form, it is important to go back and reflect on the responses to each of the questions in the Risk Capacity and Risk Attitude sections before making the final assessment. Consider your age. What’s your investment knowledge and experience with investing? What’s your net worth, and what percent does this plan represent to your liquid assets and to your net worth? A 50% or more risk allocation in Medium/High or High Risk investments is a significant amount of risk to undertake. The utmost care must be taken when arriving at the amount that is suitable for you.
Risk Attitude

Your comfort level with risk is important in determining how conservatively or aggressively you should invest. Generally speaking, you need to consider accepting more risk if you want to pursue higher returns. If you decide to seek those potentially higher returns, you face the possibility of greater losses.
10. In making financial and investment decisions you are:
11. The value of an investment portfolio will generally go up and down over time. Assuming you invest $100,000, how much of a decline in your investment portfolio could you tolerate in a 12-month period?
12. When you are faced with a major financial decision, are you more concerned about the possible losses or the possible gains?
13. The chart below shows the greatest one year loss and the highest one year gain on four different investments of $10,000. Given the potential gain or loss in any one year, which investment would you likely invest your money in:
14. From September 2008 through November 2008 and again from February 2020 through March 2020, North American stock markets lost over 30%. If you currently owned an investment that lost over 30% in 3 months, would you:
15. Investments with higher returns typically involve greater risk. The 4 charts below show a hypothetical annual return (annual gains and losses) for four different investment portfolios over a 10-year period. Keeping in mind how the returns fluctuate, which investment portfolio would you be most comfortable holding?
Subtotal: 0
Comments:
Assessing Your Risk Attitude
The questions around hypothetical gain/loss scenarios are meant to gauge your comfort and attitude towards risk. The maximum score for this section is 60.
Interpreting the results
You may find that there is a disconnect between your risk capacity and attitude towards risk. For example, you may express an appetite for risk, scoring high on risk attitude, but your score for risk capacity is low. Conversely, you may have a high capacity for risk but score lower for risk attitude. Your risk profile should reflect the lower of (a) your willingness to accept risk (attitude) and (b) your ability to endure potential financial loss (capacity).
General Plan KYC Guidelines
Time Horizon:
Investment Objective:
Risk Tolerance:

Open an Investment Account

The next step is to open an investment account with us. You pay no annual administration fees and receive $125 towards transfer costs.

Here’s how we can help

Next, we will help you determine the monthly deposit required to cover the cost and how best to fund those deposits.

Additional Information

Investment Account FAQ

Frequently Asked Questions About Investment Accounts

In this FAQ, we answer the most common questions asked about investment accounts, also known as non-registered accounts. If you have any specific questions, send us an email, and we would be pleased to help.

What is GP Wealth Management’s Investment Approach?

The investment strategy we recommend will take each of your goals into consideration. Our approach is to recommend a portfolio of mutual funds designed to give you maximum diversification. For goals more than 8 – 10 years away, we will recommend a portfolio to maximize the growth potential appropriate to that time frame.

For near-term goals, those in the next year or two, we will recommend using cash equivalents. For your in-between goals, we will recommend a combination of stock funds and short-term bond funds that reflects the length of time until you need the money.

How do I maximize my returns and lower risk?

Diversification is the spreading of investments across the major asset classes: savings, income and growth. It’s the most important principle of successful investing, because having the right mix is your best way of maximizing returns and lowering risk.

Are there saving programs that are specific to education funding?

Yes, the most common is the Registered Educational Savings Plan (RESP). In addition, the use of an In Trust Account has advantages when saving towards future education funding.

Investment and Retirement Products

GP Wealth carries mutual funds from over 30 fund management families. Funds may be discontinued or change names without notice. Some funds have minimum initial deposit requirements, a minimum duration, or have limited subscription.

Types of Investment and Retirement Products

MUTUAL FUNDSGUARANTEED INVESTMENT CERTIFICATES (GICs)
ANNUITIESBONDS AND DEBENTURES*
SEGREGATED FUNDSSTOCKS*

Mutual Funds Available

AGF MANAGEMENT LTD.IA CLARINGTON FUNDS INC.
BEUTEL GOODMAN MANAGED FUNDSMACKENZIE INVESTMENTS
BRIDGEHOUSE INVESTMENT PARTNERSMANULIFE MUTUAL FUNDS
CAPITAL INTERNATIONAL ASSET MGMT.MARQUEST ASSET MANAGEMENT INC.
MARQUEST ASSET MANAGEMENT INC.OCEANROCK INVESTMENTS
RENAISSANCE INVESTMENTSNATIONAL BANK MUTUAL FUNDS
CI INVESTMENTSNEI INVESTMENTS
COUNSEL PORTFOLIO SERVICESNEXGEN FINANCIAL LIMITED
DYNAMIC FUNDSPHILIPS, HAGER & NORTH INVESTMENT
EXCEL FUNDS MANAGEMENT INC.RBC ASSET MANAGEMENT INC.
FIDELITY INVESTMENTS CANADASENTRY SELECT CAPITAL CORP.
FIERA CAPITAL CORPORATIONSPROTT ASSET MANAGEMENT INC.
LOGIQ ASSET MANAGEMENTSTONE & CO. LTD.
FRANKLIN TEMPLETON INVESTMENTSTD ASSET MANAGEMENT INC.
BMO Mutual FundsYORKVILLE ASSET MANAGEMENT
INVESCO CANADA INVESTMENTS

Guaranteed Investment Accounts Available

B2B BANKBMO BANK (ADVISORS ADVANTAGE)
BMO MORTGAGE CORP (ADVISORS ADVANTAGE)BMO TRUST (ADVISORS ADVANTAGE)
BRIDGEWATER BANKCANADIAN WESTERN BANK
CANADIAN WESTERN TRUSTCOMMUNITY TRUST
CONCENTRA FINANCIALDUCA
EFFORT TRUSTEQUITBLE BANK
GENERAL BANK OF CANADAICICI BANK
HAVENTREE BANKHOME BANK
HOME TRUST COMPANYITALIAN CANADIAN SAVINGS & CU
LAURENTIAN BANKMANULIFE BANK/TRUST
MCAN MORTGAGE CORPORATIONPACIFIC & WESTERN BANK
PEACE HILLS TRUSTPEOPLE'S TRUST
VERSA BANK

Segregated Investment Funds

Invesco Segregated FundsGreat West Life Assurance Co.
CI Segregated FundsMackenzie Segregated Funds
Canada LifeStandard Life
Empire LifeTD Guaranteed Funds

If you have any questions about investing in investment and retirement products, send us an email and we would be pleased to help.

Important information

*Bonds and Equities are made available through an exclusive referral agreement with B2B Securities and Q-Trade Investors. Please speak to your financial advisor for further details on this service.

The Value of Advice

Canadians with financial advisors are more confident  about their future.

Need Advice?

Are you reviewing your investment portfolio and considering opening a non-registered investment account? We encourage you to contact us to arrange a no-obligation meeting to discuss your options.

Client Relationship Document

We’ve developed a plain-language document that describes the relationship between you and your GP Wealth Financial Advisor or Planner.

GET ON-LINE ACCESS

To obtain access to your accounts, email us or contact us at 1-800-608-7707 ext. 242.

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