Invest in stocks, bonds & ETFs

Work with a Senior Financial Advisor to build a personalized portfolio or do-it-yourself using online investing tools.

What is a stock?

Stocks are securities that give you ownership in a corporation, offering greater potential return when a company does well through capital appreciation and dividend payments, but greater potential risk as well. Stocks offer a wide variety of investment options, including common and preferred shares.

  • Ownership in a corporation
  • Greater potential return & greater potential risk

"Stocks offer investors the greatest potential for growth over the long term. The opportunity cost for investing in stocks is “volatility” (ups and downs in the market). Successful investors need to maintain the emotional strength to continue to own stocks during any type of market ensuring their decision making process does not involve the 2 most dangerous emotions of fear and greed."

Trenton Mochnacz
Senior Financial Advisor
Cambrian Credit Union
Credential Securities

“Bonds provide balance to portfolios and can reduce volatility, provide diversification from equities and preserve capital.”

Sean Carnegie
Investment Advisor
Cambrian Credit Union
Credential Securities

What is a bond?

Companies and governments issue bonds with a set repayment date to the public to raise capital to fund their projects. Bonds may offer lower risk than stocks, but usually a lower return as well.

  • Issued by companies and governments
  • Set repayment date
  • Lower risk & usually lower return

What is an ETF?

An Exchange Traded Fund (ETF) is a security that is listed and traded on a stock exchange, similar to a stock. ETFs are made up of a mixture of securities such as stocks, bonds, commodities, etc and typically track the performance of an index or a certain market area.

  • Trades on an exchange like a stock
  • Made up of a variety of securities
  • Tracks the performance of an index or market area

“ETFs are a cost effective, highly liquid and diversified component of a well-balanced investment plan. A professionally managed solution comprised of a diverse range of ETFs will include a wide range of different asset classes, geographical locations, industries and sectors, which helps to alleviate unsystematic risk related to an individual company, sector or region.”

Megan Bednar
Senior Financial Advisor
Cambrian Credit Union
Credential Securities

Invest with a Senior Financial Advisor.

Discretionary Managed Solutions are portfolios with stocks, bonds, ETFs or other securities, that are constructed and managed by professional investment managers.

Our Senior Financial Advisors offer three discretionary management solutions, with one simple monthly fee based on account size and solution type.

OnPoint Pooled Investments

Beyond mutual funds
Minimum account size: $50,000

  • Each portfolio is built using a pool of funds selected to match your personal investment objectives
  • Six strategies ranging from Income to Total Equity, including a Fossil Fuel Free mandate

OnPoint Managed Portfolios

A winning combination
Minimum account size: $100,000

  • Each portfolio contains segregated equities and pooled funds, managed by pension-caliber investment managers
  • Over 10 strategies ranging from Income to Total Equity, including ETF portfolios

Credential Managed Account

It's personal
Minimum account size: $150,000

  • Each customized portfolio may contain stocks, bonds, pooled funds and ETFs
  • Unlimited combinations, with over 20 strategies across multiple asset classes

Invest online.

Our partner Qtrade's motto, "Write Your Own Future" invites everyone to become an investor, from the "set-it-and-forget it savers" to the "market-savvy-do-it-yourselfers"

Qtrade Direct Investing™

Buy and sell stocks, bonds, ETFs and mutual funds, yourself, online, with low trading fees.

An award-winning platform where you can manage your portfolio with ease.
Advanced risk analysis and portfolio-building technology.
A friendly client support team you can count on when you need them.
Online support including self-help and how to videos.

Qtrade Guided Portfolios™

Just answer a few questions to build a professionally managed portfolio that reflects your financial goals, timeline and risk tolerance.

A professionally designed investment portfolio specifc to your goals.
A fully automated monitoring service that actively manages your portfolio.
Continuous oversight with regular portfolio rebalancing by Qtrade Portfolio experts.
A friendly client support team you can count on when you need them.

Save on taxes.

Place investments in your Registered Savings Plans.

Registered Savings Plans

are registered with the Canadian Federal Government and enable you to save on taxes or take advantage of other financial incentives such as government grants.

These include:

Frequently
Asked Questions

How do I know if a GIC or Market Based Investment (i.e.: mutual fund; stock; ETF; bond) is most suitable for me?

The investment that is right for you depends on factors like your time horizon, risk tolerance and financial objectives.

We offer you a full suite of investment options and personalized advice to help you decide what is best for you.


We recommend booking a meeting with a Financial Advisor to review your investment options in detail.

How do I choose which investments are right for me?

There are a few ways to choose which investments are right for you if you are unsure:


1) Book a meeting with a Financial Advisor who will get to know you, your financial goals and timelines, your investment preference and risk tolerance to build an appropriate investment plan for you.


2) Invest online with Qtrade Guided Portfolios™. Just answer a few simple questions to build a professionally managed portfolio that reflects your financial goals, timeline and risk tolerance.


Qtrade Guided Portfolios is a trade name of Credential Qtrade Securities Inc.

What is the best way to invest?

Cambrian offers you three ways to invest: with a Financial Advisor, with our Wealth Solutions Team or online.

You choose which way is best for you.

Do I have to be a Cambrian member to invest with a Financial Advisor or the Wealth Solutions Team?

No, you do not need to be a Cambrian member to invest with a Financial Advisor or the Wealth Solutions Advisors.

Book a meeting with a Financial Advisor