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RRSP deadline is March 1.

Keep your future on track with complimentary, expert advice that’s right for your life. Plus, take advantage of limited-time investment offers. Learn more



Make your money, make more money.

You might want more space, more education or more vacation. We’ll work with you to find real solutions to achieve what's important to you and your loved ones. Meet with our Investment Team to make sure your money is working as hard as it can. See a full list of our investment rates.

You could win $5000*.

Book a free advice session with one of our investment advisors today, to be entered into a draw for a chance to win $5,000* towards your savings goals. *Contest rules apply.

LEARN MORE

Investment Products

GICs
GICs

With our GICs, your money makes money while it's invested. Available in redeemable or non-redeemable options, there's something to suit every need.

Mutual Funds
Mutual Funds

Have your money managed by professionals and invested in a range of stocks and bonds that match up to your goals.


Registered Accounts

Registered accounts (such as TFSAs and RRSPs), offer grants and tax-deferrals to encourage you to save.

TFSA - Tax-Free Savings Account
TFSA - Tax-Free Savings Account



RRSP - Registered Retirement Savings Plan
RRSP - Registered Retirement Savings Plan


RESP - Registered Education Savings Plan
RESP - Registered Education Savings Plan


RRIF - Registered Retirement Income Fund
RRIF - Registered Retirement Income Fund


Our experienced Investment Team can help find the right solutions for your financial goals

3-Year Non-Redeemable Term Deposit
Secure our highest return rate for a longer-term.

4.40%1


  • Available as RRSP, RIF, TFSA, RESP
  • Only need $500 to get started

Talk to our Investment Team

15-Month Non-Redeemable Term Deposit
Get a high return on a shorter-term commitment.

5.00%2


  • Available as RRSP, RIF, TFSA, RESP
  • Only need $500 to get started

Talk to our Investment Team

1-Year Better Than Cash® Term Deposit
A flexible term deposit/GIC that pays like a locked-in rate, but it's redeemable after 6 months without penalty on interest payable.

4.00%


  • Redeemable after 6 months without penalty on interest payable3.
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • Check out our Help and Support Page for more information

Talk to our Investment Team
The Low-fee, More-for-me Mutual Funds®4
Our family of mutual funds gives you more of what you want: conservative management, simplicity and affordability.
  • Lower management expense ratio fees.
  • Conservative fund management
  • Simple and flexible to fit your investment goals, life-stage and risk tolerance
  • Start with a $50 monthly contribution or a minimum investment of $1,000
  • Broad selection of investment choices
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
Learn more

What are you saving for?

Retirement
Retirement

To reach your retirement goals faster, meet with us to optimize your TFSA, RRSP and mutual fund options

Education
Education

It's never too late to start saving for your or a child's post-secondary education. Meet with our Investment Team to build a plan and understand the savings products available to you.

Let’s build the right plan, together.
Our experienced Investment Team can help with an investment plan that's right for you. Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.
Book appointment
Find a branch
Safe Bet, No Sweat™ Market-Linked Term Deposit5
Tap into the stock market with this term deposit/GIC where the return is based on the performance of an underlying market index¹.
  • 1, 3 or 5 year term available
  • Potential to earn higher returns linked to stock market performance
  • Principal investment protected
  • Interest is compounded annually and paid at maturity
  • Only $500 to get started
  • No commissions or management fees
  • Choose from a globally diversified or Canadian financial services term deposit
  • Available in Non-registered and Registered Account such as an RRSP or TFSA
Learn more

Additional Mutual Funds6
Through our preferred partners SEI, Fidelity, NEI, CI and Guardian Capital, we offer a number of professionally managed and reputable mutual funds.
  • Not locked in, so you can buy or sell mutual funds at any time
  • Most mutual funds have a minimum investment of $1,000
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • Many other mutual fund brands can be transferred for consolidated fund management




Talk to our Investment Team

Online Investing 7
Ready to self-manage your investments? We are pleased to partner with Qtrade Investor, Canada’s leading online discount brokerage.
  • Easy-to-use online and mobile trading platforms
  • Low commissions and independent research tools
  • Wide range of investments available including stocks, bonds, GICs, mutual funds and options, plus new issues/IPOs
  • Over 100 exchange-traded funds (ETFs) that you can buy commission-free
  • Discounted trading commissions for those who trade often or have a larger account balance
  • No administration fees when you maintain a minimum account balance
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA

Talk to a Financial Planner today

15-Month Non-Redeemable Term Deposit
Get a high return on a shorter-term commitment.

5.00%2


  • Available as RRSP, RIF, TFSA, RESP
  • Only need $500 to get started

Talk to our Investment Team

Why invest with Coast Capital?

Real Partnership Real Partnership

As a member-owned financial cooperative for over 80 years, if it matters to you it matters to us. We work hard to understand members personally, so we can help you build a plan to live the real life you want.

Real Advice Real Advice

Our members are our shareholders, so your success is our success. Our focus is to educate and guide you to the right financial solutions with clear, simple and personalized advice that you can feel confident about.

Real Impact Real Impact

As a Certified B Corp we want a more sustainable world for all. That’s why we reinvest 10% of our profits to unlocking financial opportunities for our members, employees and communities to build better futures.

Transparency Transparency
We will simplify complicated financial jargon and offer clear advice so you truly understand your finances. 

Optimize your investment strategy

GROW YOUR MONEY
Pay Yourself First: the benefits of automatic savings.
Learn how to inject more certainty into your savings through a technique known as pay yourself first, or a little more dramatically automatic savings.

Read article
GROW YOUR MONEY
How Financial Planners can optimize your savings strategy
Learn about all the parts of a comprehensive financial plan and how valuable it is to have a financial planner to help you navigate through it all.
Read article
GROW YOUR MONEY
Top 4 reasons you need a financial plan
A financial plan is an important tool for anyone who wants to manage their money effectively, whatever their income or net worth. Learn how it can help you.
Read article

Worldsource Financial Management

Worldsource logo

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.


CDIC Deposit ProtectionCDIC Deposit Protection

Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC). More CDIC information


Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performances may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. 

Financial planner Financial planner

Meet Michael Hintz, CFP.

He's just one of our Certified Financial Planners® available to help you reach your financial goals. Our Financial Planners can develop financial solutions to help ensure you save for the future while living well today, whether you're planning your retirement, your child's education, or looking for ways to protect your family or business from the unexpected.

Our Investment Team is here to help:

  • Investment Team available at our Contact Centre, Mon-Sat, 8am-8pm
  • Financial Planners available at all our branch locations

Meet Michael Hintz, CFP.

He's just one of our Certified Financial Planners® available to help you reach your financial goals. Our Financial Planners can develop financial solutions to help ensure you save for the future while living well today, whether you're planning your retirement, your child's education, or looking for ways to protect your family or business from the unexpected.

Our Investment Team is here to help:

  • Investment Team available at our Contact Centre, Mon-Sat, 8am-8pm
  • Financial Planners available at all our branch locations
What type of product are you interested in?
Park-It RRSP GIC
RRSP contributions are easy with Park-It. Get your tax receipt†, earn interest and then decide how to invest later.
3.25% ‡ 1-year term
  • Get your RRSP tax receipt† and then decide on your long-term investment later. Meet with our Investment Team when it's more convenient for you. 
  • One time option to convert to another Coast Capital GIC or mutual fund before one year term ends
  • Only $500 to get started
  • Also available for purchase as RIF and TFSA registered accounts
  • Confirm your RRSP limit before making a contribution
Book an appointment or get started online.
GET STARTED
† Read terms and conditions.
Terms and Conditions.† Get a printed copy of your RRSP tax receipt from a branch or a digital version will be emailed to you at the end of the month.‡ Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500. Eligible for non-registered, TFSA, RRSP and RRIF. Rate holds are not eligible for the promotional offers.
Close
15 Month Non-
Redeemable GIC
Get a high return on a shorter-term commitment.
4.90% †
  • Available in Registered Accounts such as an RRSP, RIF, RESP or TFSA
  • Only need $500 to get started
  • Non-redeemable prior to maturity
Get Started
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination, without notice, at any time. Interest rates are calculated annually and accrued daily. Rate holds are not eligible for the promotional offers.

Close
Mutual Funds
We partner with leading Canadian Mutual Fund providers to curate portfolios of investment options to support your values, goals, timeframe and tolerance for risk.
  • Preferred partners include Guardian Capital, SEI, Fidelity, NEI and CI
  • Lower management expense ratio fees
  • Conservative fund management through an institutional-quality approach
  • ESG and responsible investing focus with our Sustainable Funds, managed and offered by Guardian Capital LP†
  • Available in Non-registered and Registered Accounts such as an RRSP, RRIF, RESP or TFSA
  • Most mutual funds have a minimum investment of $1,000
  • Not locked in, so you can buy or sell mutual funds at any time
Learn more
† Read terms and conditions.

Terms and Conditions.

† Guardian Capital LP is the Manager and Portfolio Manager of the Sustainable Funds. Worldsource Financial Management Inc. is the Principal Distributor of the Sustainable Funds.

Close
16 Month Flex GIC
Flexibility with a great return. Average return of 4.25%† over 16 months.
1.50% †
1 - 8 Months
7.00% †
9 - 16 Months
  • Available in Registered Accounts such as an RRSP, RIF, RESP, TFSA or FHSA
  • Redeemable with interest after 30 days
  • Enjoy a guaranteed return where the longer you stay, the more it pays
  • Only need $500 to get started
Call 1.888.517.7000 or book an appointment online today.
BOOK APPOINTMENT
† Read terms and conditions.

Terms and Conditions.

† The effective simple interest rate if held to maturity is 4.25% when averaging 1.50% for the first 8 months and 7.00% for the second 8 months of the term. Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum and accrued daily. Minimum investment of $500 ($250 for junior accounts). Choose interest to be paid every 8 months (compounding) or every 8 months (non-compounding). Partial or full redemptions allowed, subject to the minimum redemption amount of $500 ($250 for junior accounts) while maintaining minimum investment amount of $500 ($250 for junior accounts). No interest is payable if redeemed before 30 days. Rate holds are not eligible for the promotional offers.

Close
18 Month Non-Redeemable GIC
You'll get a great rate no matter how much money you have to invest.
4.80 % †
  • Available in Non-registered and Registered Account such as an RRSP, RIF, RESP or TFSA
  • Only need $500 to get started
  • Non-redeemable prior to maturity
Get Started
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination, without notice, at any time. Interest rates are calculated annually and accrued daily. Rate holds are not eligible for the promotional offers.

Close
Market-Linked GIC
Tap into the stock market with this GIC where the return is based on the performance of an underlying market index.†
  • Potential to earn higher returns linked to stock market performance​
  • Principal investment protected​
  • Interest is compounded annually and paid at maturity​
  • Only $500 to get started​
  • No commissions or management fees​
  • Available in Non-registered and Registered Account such as an RRSP or TFSA
  • Non-redeemable prior to maturity
Learn more
† Read terms and conditions.

Terms and Conditions.

† The variable return can only be known at maturity. These investments cannot be transferred or redeemed and will not pay any interest or principal before maturity. Product specific terms and conditions apply.

Close
Rising Rate GIC
Benefit from compound interest and the choice to redeem your money on each anniversary without penalty.
4.00% †
Year 1
4.20% †
Year 2
4.30% †
Year 3
  • Only $500 to get started
  • Choice of earning compound or annual interest
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
Book appointment
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum and accrued daily. Minimum investment of $500. Eligible for non-registered, TFSA, RRSP and RRIF. Choose interest to be paid annually (compounding) or annually (non-compounding). Partial or full redemptions allowed on the annual anniversary date of the GIC. Minimum redemption amount of $500 while maintaining the minimum investment amount. Redemption outside the designated anniversary date is strictly prohibited. Rate holds are not eligible for the promotional offers.

Close
Online Investing
Ready to self-manage your investments? We are pleased to partner with Qtrade Investor, Canada’s leading online discount brokerage†
  • Easy-to-use online and mobile trading platforms
  • Low commissions and independent research tools
  • Wide range of investments available including stocks, bonds, GICs, mutual funds and options, plus new issues/IPOs
  • Over 100 exchange-traded funds (ETFs) that you can buy commission-free
  • Discounted trading commissions for those who trade often or have a larger account balance
  • No administration fees when you maintain a minimum account balance
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
CONNECT WITH US
† Read terms and conditions.

Terms and Conditions.

† Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc.

Close
90 Day Registered GIC
Lock in a great rate on a short-term, low-risk investment. Then meet with us to invest for the long-term when you’re ready.
1.25% † 90 day term
  • Only $500 to get started
  • Non-redeemable prior to maturity
  • Available in Registered Accounts such as an RRSP or TFSA
  • If you’re not already a member, apply online first and then book an appointment to get this GIC
BOOK APPOINTMENT
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination, without notice, at any time. Interest rate is accrued daily and paid at maturity. Only available to Coast Capital RRSP, TFSA, and RRIF holders. Only available at Coast Capital branches or Advice Centre. Rate holds are not eligible for the promotional offers. Minimum $500 investment required.

Close
1 Year Better Than Cash® GIC
A redeemable GIC that pays like a locked-in investment.
1.50% †
1 - 8 Months
  • Redeemable after 6 months without penalty on interest payable
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • Only need $500 to get started
  • Check out our Help and Support Page for more information on how to open a GIC online

Connect with us
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum and accrued daily. Minimum investment of $500. Eligible for non-registered, TFSA, RRSP and RRIF. Interest paid at maturity. No interest will be paid if you redeem this GIC within the first 6 months. Minimum redemption amount of $500 while maintaining the minimum investment amount. Rate holds are not eligible for the promotional offers.

Close
Park-It RRSP GIC
RRSP contributions are easy with Park-It. Get your tax receipt†, earn interest and then decide how to invest later.
3.25% ‡ 1-year term
  • Get your RRSP tax receipt† and then decide on your long-term investment later. Meet with our Investment Team when it's more convenient for you. 
  • One time option to convert to another Coast Capital GIC or mutual fund before one year term ends
  • Only $500 to get started
  • Also available for purchase as RIF and TFSA registered accounts
  • Confirm your RRSP limit before making a contribution
Book an appointment or get started online.
GET STARTED
† Read terms and conditions.
Terms and Conditions.† Get a printed copy of your RRSP tax receipt from a branch or a digital version will be emailed to you at the end of the month.‡ Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500. Eligible for non-registered, TFSA, RRSP and RRIF. Rate holds are not eligible for the promotional offers.
Close
3-Year Non-Redeemable Term Deposit
Secure our highest return rate for a longer-term.
4.40 % 1
  • Available as RRSP, RIF, TFSA, RESP
  • Only need $500 to get started

Terms & Conditions

1. Offers subject to change without notice at any time. Interest rates are calculated annually and accrued daily. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions.

Term deposit rates subject to change. Rate holds are not eligible for the promotional offers. Coast Capital Savings Federal Credit Union reserves the right to terminate the Offer at any time.

Minimum investment of $500 required.



Close
2-Year Non-
Redeemable Term Deposit (Registered)
Secure our highest return rate for a longer-term.
4.90% †
  • Available as RRSP, RIF, TFSA, RESP
  • Only need $500 to get started
  • Non-registered term deposits available for 4.60 %
Connect with us

Terms & Conditions

1. Offers subject to change without notice at any time. Interest rates are calculated annually and accrued daily. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions.

Term deposit rates subject to change. Rate holds are not eligible for the promotional offers. Coast Capital Savings Federal Credit Union reserves the right to terminate the Offer at any time.

Minimum investment of $500 required.


Close
15 Month Non-
Redeemable GIC
Get a high return on a shorter-term commitment.
4.90% †
  • Available in Registered Accounts such as an RRSP, RIF, RESP or TFSA
  • Only need $500 to get started
  • Non-redeemable prior to maturity
Get Started
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination, without notice, at any time. Interest rates are calculated annually and accrued daily. Rate holds are not eligible for the promotional offers.

Close
3-Year Convertible Term Deposit
You’ll get a great rate and the flexibility to switch to a different term deposit/GIC at any time.
.00 % 1
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • One time option to re-write to another Coast Capital Savings term
  • Only need $500 to get started
Talk to us about Term Deposits

Disclaimer

1. Interest rates are subject to change without notice and are calculated on a per annum basis. Product change is one-time only and must be to a non-redeemable term of equal or greater remaining length of original term. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions.

Close
1 - 5 Year GIC
You'll get our best rate no matter how much money you have to invest.
5.00% % 1 1-year-term
  • Have the interest paid out annually, monthly or enjoy compound interest
  • Only need $500 to get started
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • View our current GIC rates
Talk to us about GICs

Disclosure

  1. Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions.

Close
16-Month Convertible Term Deposit
You’ll get a great rate and the flexibility to switch to a different term deposit at any time.
.00 % 1
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • One time option to re-write to another Coast Capital Savings term
  • Only need $500 to get started
Talk to us about Term Deposits

Disclaimer

* Offer available to members who joined Coast Capital Savings before October 1, 2018. Interest rates are subject to change without notice and are calculated on a per annum basis. Product change is one-time only and must be to a non-redeemable term of equal or greater remaining length of original term. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions. Offer ends December 31, 2018.

Close
2-Year Flexible Term Deposit
The security of a guaranteed rate, but with the added flexibility to redeem after one year on your anniversary date.
2.25 % 1
New money to Coast Capital
2.00 % 2
Existing money
  • Fully redeemable on anniversary date
  • Minimum investment of $500
  • Available in Non-registered and Registered Accounts such as RRSP, RRIF, RESP or TFSA
Talk to us about Term Deposits

Disclosure

Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions. Option to redeem with full accrued interest on the anniversary of your term deposit opening date.

  1. Offer available for new money only which must come from non-Coast Capital sources. New money is defined as dollars not currently on deposit with Coast Capital Savings or money that has been on deposit for 60 days or less.
  2. Offer available for existing money from Coast Capital sources. Renewals and existing demand balances can be fully counted towards the new money definition at the promotional rate(s) as long as a 50% minimum has been added to the renewing amount for terms or existing demand balance(s).
Close
40-Month TFSA Non-Redeemable Term Deposit
Get a great rate with this special offer for Tax-Free Savings Accounts.
.00 % 1
New money to Coast Capital
.00 % 1
Existing money
  • Minimum investment of $500
  • Available in a TFSA only
Talk to us about Term Deposits

Disclosure

Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis. Minimum investment of $500; eligible for TFSA contributions only.

  1. Offer available for new money only which must come from non-Coast Capital sources. New money is defined as dollars not currently on deposit with Coast Capital Savings or money that has been on deposit for 60 days or less.
  2. Offer available for existing money from Coast Capital sources. Renewals and existing demand balances can be fully counted towards the new money definition at the promotional rate(s) as long as a 50% minimum has been added to the renewing amount for terms or existing demand balance(s).
Close

Helpful Resources

Worldsource Financial Management

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.

Go to Worldsource View

Worldsource Financial Management

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.

Go to Worldsource View


  1. Offers subject to change or termination, without notice, at any time. Interest rates are calculated annually and accrued daily. Rate holds are not eligible for the promotional offers.
  2. The variable return can only be known at maturity. These investments cannot be transferred or redeemed and will not pay any interest or principal before maturity. Product specific terms and conditions apply.
  3. Coast Capital® Mutual Funds are managed by SEI Investments Canada Company. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees, and expenses all may be related with mutual fund investments. Please read the Fund Facts carefully before investing.
  4. Worldsource Financial Management Ltd. provides mutual funds and services. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses all may be related with mutual fund investments. Please read the Fund Facts carefully before investing.
  5. Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc. Qtrade is a registered mark owned by Aviso Wealth Inc.

Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing.