Commissions,
trailing commissions, management fees and
expenses all may be associated with mutual
fund investments. Please read
the simplified prospectus before investing. Mutual
funds are not guaranteed and are not covered
by the Canada Deposit Insurance Corporation
or by any other government deposit insurer. There
can be no assurances that the fund will be
able to maintain its net asset value per
security at a constant amount or that the
full amount of your investment in the fund
will be returned to you. Fund values
change frequently and past performance may
not be repeated.
Labour
Sponsored Investment Funds (“LSIF”)
have tax credits that are subject to certain
conditions and are generally subject to recapture,
if shares are redeemed within eight years. Please
note that Mutual Fund Representatives in
Alberta are not permitted to sell LSIF.
An investor
proposing to borrow for the purchase of
securities should be aware that a purchase
with borrowed monies involves greater risk
than a purchase using cash resources only. The
extent of that risk is a determination
to be made by each purchaser and will vary
depending on the circumstances of the purchaser
and the securities purchased.
Discuss
the risks associated with leveraged mutual
fund purchases with an investment funds
advisor before investing. Purchases
are subject to suitability requirements. Using
borrowed money to finance the purchase of
securities involves greater risk than a purchase
using cash resources only. If you borrow
money to purchase securities, your responsibility
to repay the loan and pay interest as required
by its terms remains the same if the value
of the securities purchased declines.
Investors
should educate themselves regarding securities,
taxation or exchange control legislation,
which may affect them personally. This
web site is for general information only
and is not intended to provide specific personalized
advice including, without limitation, investment,
financial, legal, accounting or tax advice. Please
consult an appropriate professional regarding
your particular circumstances.
This Internet Website does not constitute
an offer or solicitation in any jurisdiction
in which such offer or solicitation is not
authorized or to any person to whom it is
unlawful to make such offer or solicitation.
Harbour
Financial & Estate Planning
Group is an investment funds advisor
[and may be licensed for the sale of life
insurance]. Harbour Financial & Estate
Planning Group is registered through
separate organizations for each purpose
and as such, you may be dealing with more
than one entity depending on the products
purchased. Harbour Financial & Estate
Planning Group will provide the name
of the entity being represented when insurance
business is conducted. The sale of
insurance products is not the business
of or under the supervision of FundEX Investments
Inc. and FundEX will not be liable or responsible
for such activities.
All non-mutual fund related business conducted
by Harbour Financial & Estate Planning
Group is not in the capacity of an employee
or agent of FundEX Investments Inc. Non-mutual
fund related business includes, without limitation,
advising in or selling any type of insurance
product, advising in or selling any type
of mortgage service, estate and tax planning
or tax return preparation. Accordingly,
FundEX is not liable and/or responsible for
any non-mutual fund related business conducted
by Harbour Financial & Estate Planning
Group. Such non-mutual fund related
business is the responsibility of Harbour
Financial & Estate Planning Group alone.
References
in this Internet Website to third party
goods or services should not be regarded
as an endorsement of these goods or services. By
accessing any of the links provided you will
be leaving the Harbour Financial & Estate
Planning Group site. Harbour
Financial & Estate Planning Group is
not responsible for the information contained
on these websites.
The
information contained on this Internet
Website is for general information purposes
only and is the opinion of the owners and
writers. This information is not intended
to provide specific personalized advice including,
without limitation, investment, financial,
legal, accounting or tax advice. However,
please call Harbour Financial & Estate
Planning Group to discuss your particular
circumstances.
This
web site is intended for Canadian residents
only and the information contained herein
is subject to change without notice. The
owner and publisher of this Internet Website
are not liable for any inaccuracies in the
information provided
