HFI Financial Group of Companies

Types of Funds

Mutual Funds, Segregated Funds, GIC's, Bonds, T-Bills, Income and Dividend

The possibilities are endless. We deal with a multitude of Financial Institutions each of which have many types of funds and other fixed securities. (see below)

Do you know where your Mutual Fund ranks with 1,500 others over the last year? Or, the last five years? Do you have the "Heavy Hitter's" list?

For history of returns just call us free of charge.

We provide a free evaluation of your situation and where you're headed. Considertation is given to your current holdings, RRSP's, personal investments, and/or corporate assets. How much you save or invest each year is analyzed together with your projected CPP, OAS or other pension plans, to provide your complete retirement picture. We can illustrate any rate of return or inflation rate you would like to see. Do you know how you sit at retirement given today's rates of return and the long term inflation rate?

Choosing the Right Mix

To help find the balance between risk and return best suited to your financial situation, start by asking these questions:

What are my savings goals? When do I plan to use my money? The "Time Horizon" of your investment is crucial. Money you plan to save retirement should probably not be invested in the same way as money that you will need for next year's tuition. With a long-term horizon, you can take advantage of funds that stress capital growth, while a short-term horizon lends itself to funds that provide the security of consistent income and capital preservation. Determining your savings goals and the time you have to achieve them goes a long way towards identifying an appropriate investment mix.

What is my "Risk Tolerance"?

No investment is risk-free. Equity funds, which emphasize long-term growth, are subject to short-term market volatility. Even fixed income vehicles, like government bonds, can fall prey to inflation and interest rate changes. Still, there are ways to manage risk. Diversification - investing in several investment options - is one way. Investing over the long haul is another. For example, while it is true that equity funds are subject to market volatility in the short-term, the effects of these economic cycles are reduced over time. By exercising patience and taking sensible risk, you improve your chances for higher long-term returns.

Brokerage through:

Fund Managers:

Life Insurance carriers:

Reference Accounts

References from other professionals and clients available on request.

More importantly is our ability to recommend and advise to suit your needs.