ARE YOU UNINFORMED?

Research shows retail investors identify their financial advisor as their most trusted source of investment advice*.

*CFA Institute 2016

ARE YOU DISSATISFIED WITH YOUR INVESTMENT PORTFOLIO?

Research shows 88% of mutual fund investors agree that they get a better return on their investments than they would without an advisor*.

*Pollara 2016

DO YOU WORRY ABOUT MARKET VOLATILITY?

Research shows 70% of investors believe they remain in financial markets despite volatility because of their financial advisor*.

*Ascentum 2013

TIRED OF BEING DISAPPOINTED WITH YOUR INVESTMENT PORTFOLIO?

Research shows that investors who work with an advisor accumulate 3.9 times more assets than those who don't*.

*The Gamma Factor and the Value of Financial Advice, Claude Montmarquette, Nathalie Viennot-Briot, 2016.

ARE YOU ON TRACK TO ACHIEVE YOUR FINANCIAL GOALS?

Research shows households that work with an advisor save almost twice as much as those that don’t*.

*The Gamma Factor and the Value of Financial Advice, Claude Montmarquette, Nathalie Viennot-Briot, 2016.

WHY INVEST ON YOUR OWN WHEN YOU CAN INVEST WITH ADVICE?

Much like planning a trip, buying a home, or looking after our health, the key to successful investing is being informed and having a well-constructed plan, combined with professional advice.

FIND OUT WHY ADVICE MATTERS

Why Invest on your own, when you can invest with Advice?

Hear from Jordy Chilcott

Hear from Mark Brisley, Managing Director & Head of Dynamic Funds, on why getting financial advice pays and what is the evidence for the value of advice.

Watch video

An advisor’s role

A professional financial advisor can help you set realistic goals and understand the investment products that make sense for your portfolio, and then help you monitor and understand how your investments have performed. With a trusted advisor and a financial plan tailored to your goals, you are on your way.

Working with a financial advisor can provide you with a better chance of:

  • Accumulating greater wealth through better saving behaviour
  • Building assets for a more comfortable retirement
  • Selecting tax-efficient investment vehicles
  • Maintaining a long-term investment strategy
  • Protecting against poor financial decisions
  • Avoiding emotional investing habits

Source: IFIC Value of Advice Report, 2012.

Advice Matters

Obtaining good advice can help you make better decisions.

It can help you avoid mistakes, turn challenges into opportunities and solve problems. Financial advisors provide convenient access, counsel and guidance to help investors grow their financial assets, and play an important role in helping you develop greater savings discipline.

Academic research indicates that households who have a financial advisor

Save At Twice the rate

than those who don't.

Non-advised Advised

Investors that receive advice are much better off when they have an advisor – and the longer that relationship lasts, the better.

In fact, recent research shows that investors who work with an advisor

accumulate 3.9x more assets

than those who don't.

1x 1.58x
Circle

4-6 Years

1x 1.99x
Circle

7-14 Years

1x 3.9x
Circle

15 Years+

Non-advised Advised

Econometric Models on the Value of Advice of a Financial Advisor, CIRANO Institute, 2012.

The Gamma Factor and the Value of Financial Advice, Claude Montmarquette, Nathalie Viennot-Briot, 2016

People who work with financial advisors benefit from

higher growth in investable assets

regardless of income & age.

Non-advised Advised

The Gamma Factor and the Value of Financial Advice, Claude Montmarquette, Nathalie Viennot-Briot, 2016.

What do investors think about financial advice?

When asked about financial advice, research shows that Canadian investors identify their financial advisor as their most trusted source of investment advice1.

  • 95% of investors feel that they can trust their advisor to give them sound advice2.
  • 88% agree that they get a better return on their investments than they would without an advisor2.
  • 70% of investors believe they remain in financial markets despite volatility because of their financial advisor3.

1 Pollara 2016 2 CFA Institute 2016 3 Ascentum 2013

Mutual Funds Matter

 
 

Mutual funds provide easy access to innovative solutions managed by highly trained investment professionals, while protecting investor interests. They can fulfill the needs of any investor portfolio, from the smallest investment accounts to the most affluent households.

When you purchase a mutual fund, you not only buy the product, but also the financial know-how of the portfolio manager. Managers that use an active management philosophy invest in a manner that is different than the benchmark, with the goal of outperforming the benchmark. An actively managed fund can provide substantial value and help differentiate investor portfolios.

  • Stewardship
  • Highly regulated
  • Financial literacy
  • Multitude of asset classes (fund categories)
  • People with low assets can invest
  • Strong advisor complement and alternative distribution channels
  • Product evolution to adapt to changing tax regime
  • Adaptations to meet emerging investor needs
  • Highly trained
  • Partnerships with academia
  • Evidence-based research

Get Started

Mutual funds are available through a variety of channels, with advisors being the most popular way for Canadians to purchase mutual funds. Financial advisors act as intermediaries between mutual fund providers like Dynamic Funds and investors to make the funds available for purchase.

At Dynamic Funds, we emphasize the importance of reliable financial advice when determining your investment strategy. An independent financial advisor can help you manage your goals and develop a process that is specific to your savings objectives.

Mutual fund MERs and cost to customer in Canada: Measurement, Trends and Changing Perspectives, Investor Economics 2012

There are thousands of financial advisors in Canada, each with their own unique process and way of operating. All financial advisors selling investment products must be registered with the provincial securities commissions. Most advisors are registered to sell either mutual funds only, or mutual funds and stocks and bonds. Many registered financial advisors will also provide comprehensive financial planning, sometimes for an extra fee.

You should determine your needs before you decide what type of advisor you want to work with. For example, do you simply want someone to help you choose investments or do you want to work with someone who will develop a financial plan for you and then help you to execute that plan? Are you interested in looking at ways to reduce your taxes? Many advisors can provide you with guidance on all these issues.

There are lots of questions you can ask a potential advisor to help you find the right one for your circumstances. First and foremost however is to look for someone who is committed to the profession. You will want to know about credentials and experience as well as their efforts to enhance their advice through continuing education.

Here is a list of questions to ask and what to look for in the answers you receive:

  • What is your background?
  • What experience do you have?
  • What kinds of clients do you work with?
  • What products and services do you offer?
  • What designations do you have?
  • Can you provide references?
  • How often will I hear from you?
  • How do you select investments?
  • How are you paid?
  • What is the background of your company?

Tools & Resources

Here are some useful brochures to help you learn about the value of investment advice and the important services you receive for the fees you pay.