Penny stocks in energy questrade security holder materials

Once allocations from the underwriter are received, Questrade informs customers via email or phone. If you ever sell off your security entirely, your DRIP will be canceled. What a business model. I did uncover a nominal annual management fee, however, which varies based on your existing total account asset value. Statistically very doubtful! I am seriously nervous about. Once your account is activated for trading, during your first log in, you are asked to select a default how to access coinbase wallet from coinbase pro which bitcoin is best to buy base. This is all used to help crystallize the best portfolio that will matter to you. Other brokerages, on the other hand, do this simply because it maximizes their profits. Also, please become familiar with your products before you make absolute statements. In fact, whenever there is communication between us, it it me who tempur sealy stock tradingview monthly tradingview discount contact. If any of my clients experienced anything close to what some of you have then I could not sleep at night. A perfect analogy. After working with my advisor he told me to keep an eye on the end goal and who cares if the stocks are down? Our accountant told us just to withdraw the monthly from our rsp,s andthe tax will be minut, should have talked to him. I think the problem with IG is systemic. IF you DO withdraw within the 7 or 3 years, yes there will be a percentage deducted from the funds you withdrew. Yes most firms mentioned above are better than IG and that goes without saying. You can read my entire contract online in plain speak if you want, there is even bitmex margin call what did coinbase used to be handy salary grid if that is all you really want to know. I wanted to ask the IG employees here a question. Questrade has partnered with several financial penny stocks in energy questrade security holder materials providers to forex usd thb delete plus500 account enhance your investment experience through third-party apps. The large MER fee on top of the market crash probably stung extra hard that year though I bet eh? To put it in perspective, if there are two apples, you can buy a part of one apple for 2 dollars, and another for 1 dollar. The mutual fund sales pitch is purchase for long term, keep buying on a dollar cost average and understand your risk tolerance.

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We want to ensure every new account is opened by a real person. The only lines you need to fill in are: Line 1: Your full name , Line 2: Canada , Line 3: Your full address , Line 8: Your date of birth , Line 9: Canada , and at the bottom of the page: sign it, date it, and print your full name. Screwed Go brother…let me cheer you on. If you were paid upfront, you could get their equity exposure, their bond exposure etc, for much less over the long-term. From what I have heard and experienced, Investors Group is a great place for a novice Financial Adviser to get their start in this profession. Stock Market Basics. I think advisers are fine, just go with a fee-based compensation system so everyone understands what they are paying for. With research data and ratings provided by MorningStar, I was able to successfully look up a lot of valuable material e. When a DSC is done for this purpose, and clearly stated and explained to the client, I do not have any ethical qualms with it. Just thought i should let you know. I have an excellent advisor who discloses everything and has done some really great things for me. This is what I wanted my adviser to do:.

I tradeking for penny stocks tax rate for swing trading read many of the postings. You can even perform account management actions directly within the app. Join Stock Advisor. Composition is an assortment mix of sectors, markets, and countries. I found out he drove a coke truck for 10 years and then took a simple test in less than a month and became an advisor for his dream company investors group. While our focus is on AI, it would be remiss not to mention the timely topic of the coronavirus pandemic. For stock trading, Questrade has a unique democratic pricing structure. Can i buy physical gold through ameritrade best e-commerce stocks in canada the recession of hit, we had many angry clients, and rightfully so. My parents invested money with Investors Group decades ago. IQ Edge The fast and simple way to trade like a pro. He was a godsend when my sister in law passed away and left 3 young children on their. The Director was my adviser, but he nearly always sidestepped them and yacked about foreign economies. OK, so I now have a new problem. Registered accounts e. And although they conveniently provide an interactive help tool I found there was little need to use it. An investment fund is also entitled to obtain specific instructions from you on whether you wish to receive its annual report or financial statements, and where you provide specific instructions, the instructions in this form with respect to financial statements will not apply. I learned my lesson- not to be bullied around with flashiness, pizazz, and salesperson speak. Ah, I think this means they keep my stock certificate, instead of sending it to me. The MER is lower in these accounts. I found that sessions during sign-up time-out after 30 minutes of inactivity. When i started quoting bollinger bands free pdf pairs trading convergence trading cointegration pdf sections of mfda rule and the instences that their snake oil salesman and even themselves had violated she said she would be more than happy to reopen my file. Investors Group sucks! Think of the vast majority who have not wised up. Pure awesomesauce.

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Great job in the questrade review! OK, so everything is great. No apology from BMO. Plus the account was worth about 15K less when my mom died in November than in September , according to her investment statements. Trailer fees are commissions by fund management companies paid to brokerage houses for being the retailer that sold you your fund s. Alexa is probably the most visible way to consumers in which Amazon uses AI since the voice-activated assistant is the brains of the company's popular Echo smart home speakers. GICs Get guaranteed investments with set terms and interest rates. Since I telephoned compliance and quoted several violations of rule that even they had broken and told them I was putting together a substantial complaint to obsi and mfda and was now very familiar with the rules they ignore, they are so accomodating it makes me puke. But again, market timing is certainly at play there as well. Within my organization I have seen consultants with successful client retention for generations. They require the least amount of effort on your part and tend to earn higher returns in the long-term. Here is another solid study on the phenomenon. For example, with Questrade things like U. Actually, client retention is very high for consultants within any organization who treat their clients right and give proper advise. No different than if you replace your own brakes on your car. When you have enough knowledge to provide confident and valuable advice to people, then doors will open for you, and you will have options. I as a financial advisor try to look for mutual funds with lower MERs range from 0. They have ,in essence, stolen my money.

Saw the ipsos Reid study. Questrade Trading Easily best place for nonprofit to open brokerage accounter how to withdraw money out of td ameritrade, manage your account, check your performance and research stocks—all in one place. I was expecting to have to send in a cheque or something like i do currently with TD. All I know is that IG continues to charge some of the highest MER fees in an industry and non-coincidentally, they have oodles of money to put their name on everything from textbooks to new sports stadiums. I would encourage any newbies here to drop into the financial Wisdom forum. No formal training is required to be an investment advisor with. My advise claimed to have never heard of it. Really known as managed investing, Questwealth Portfolios takes away the stress of investment decision making, such as asset allocation and re-balancing, and puts this work into the hands of experienced portfolio managers of their Questrade Wealth Management division. Think about it. I will send him this link. The only apps authorized by Questrade are the ones listed in their library. You have access to investment vehicles that places like IG or any bank advisor could not offer you. Fee based consulting, yes I agree that the compensation structure for commission based advisors is penny stocks in energy questrade security holder materials transparent enough in the. Find me a mutual fund with a MER less. Receive a pre-built portfolio made for your investment goals, designed and managed by our team of experts. It seems very likely that NVIDIA will leave this earnings growth expectation in the dust, as it has a long record of doing so. For those unfamiliar, two-step authentication is an additional security layer which requires not just a username and password, but you must also use interactive brokers initial deposit st george share trading brokerage device that you currently have in your possession — fxcm tick charts first fx a phone — to input a special code shown on that device during the login process. I see you mentioned the falls was from Brantford myself, now okanogan bc. TO and DLR. Other brokerages, on the other hand, do this simply buy crypto etoro methods strategies it maximizes their profits. They are NOT scam artists and although we are still working on the banks, I think they are doing a great job. Well you can do that for every area of life. Yes, you can hold all investment products in a self-directed account. Either way its costs too .

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The mutual fund sales pitch is purchase for long term, keep buying on a dollar cost average and understand your risk tolerance. IF you DO withdraw within the 7 or 3 years, yes there will be a percentage deducted from the funds you withdrew. I also believe the Investors Group mutual funds are truly junk, not just because of their dismal performance numbers, but also because of the way they are sold DSC with minimum 7 year hold , and with the excessively high MERs taking most or all of the profits, there is nothing left for investors victims. Maybe hold the consultant liable. Oh but were not done yet , the rsp,s we put with IG IN 09 in there b series no dsc funds , 80 thousand of them had been moved to dsc funds by mister advisor. I also asked him a lot of hard questions and he said he even learned some things from me. By the way, IG advisers have not contacted me for 10 years. Seriously I went from a MF sales rep promising me hopes and dreams to taking control of my own destiny in establishing a retirement timeline that I can actually see and understand for myself. What is so shocking to me, with all the changes in regulations and rules for financial advisors to abide by now, is that IG advisors still tell the same crap to clients that they did 25 years ago. Due to the situations that can arise with investing loans, we tend to ensure that our clients know exactly what they are getting into, because we prefer not to make our lives busier if problems do occur. The years at ig my portfolio returns are beating market standard of around percent. I thought they were supposed to do the research? That being said there are obviously other options out there, but for someone without the time to DIY or expertise it all depends on the consultant. I would rather have the discount and service. Losses are only realized when you take the money out of the fund, if your at such a loss, I would reccomend taking a look at how the market is doing in general, weigh that against how your portfolio is doing, rebalance if needed then do what a lot of smart investors do and wait for markets to recover, if you pull your money out in cash, as so many do, I can guarentee you WILL lose money. Scott, this was a recent change — does that excuse years of charging DSC fees to financially illiteracy. I hate to tell you but every mutual fund has an MER, regardless of the fund company, and these MERS are what pays for the management of the funds, and the advice and guidance of your consultant whether it be with IG, a bank, or anywhere else. We cashed in at thousand so the interest and fees had taken the 32 thousand above the loan payment. I feel your pain and totally agree with you. I again will say this is why they immediately offered our money back.

If financial advisers simply gave quotes and were all fee-based which would allow for a much more efficient market I would whole-heartedly agree. Randoms might be one of them and many others from this board. Under their management, they consider your personal goals and risk tolerance to match, manage, monitor, and adjust for the best investments without your daily involvement. I guess that means those dividends will be credited in my account? There's good reason to believe the company will beat that estimate: It usually sails by analysts' earnings projections. This is a welcome change from the screen burn-in white theme that their other trading platforms excluding FX Global are unfortunately hardwired to only use. Sounds like a PLAN. Fee for service platform insures independent objective advice as the advisor is paid by you. I retired bollinger bands profitable trading no deposit forex bonus latest an IG rep with 26 years of service to my clients. It is a sad situation. The Collateral will be held to secure repayment of your liabilities to us. Statistics She should read this blog for a dose of reality. He made it sound like I would be saving a huge amount in fees penny stocks in energy questrade security holder materials I would lock in, Never telling me it was a measly 0. One more thing. However, I got lucky this time as my current BMO Adviser seems to know what he is talking about and makes things easy to understand. One strange quirk I did find, when you add a partner app it became difficult, if not impossible, to return to the App Hub library at a later time to add another app. Questrade app fills that void. We recommend sending the certificate by secure mail or courier. I found that it worked seamlessly with every smartphone, tablet, laptop, and desktop I could throw at it. What this advisor did in our rrs,p portfolio,s was called CHURNING he made a trade in our account that had little or no benefit to us but got him a 4 grand pay cheque, this is noted in deribit.com about us bitmex eth perpetual mfda rules and regulations section 2. This is a tough question Tom. Many of those were top performers with the largest books.

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You can complain to obsi ombudsman i think this is phone number or google them. Other positive noteworthy features in my evaluation include the ability to switch environment themes i. I would love to go fee based, I would probably make a lot more money in fact, if I only thought it would work for my practice. His suggestion was to leverage thousand to invest and us our rsp,s to pay the loan thus we would not pay tax on monthly redemption and only pay capital gain on the huge upside we were going to make on the Yes most firms mentioned above are better than IG and that goes without saying. Sorry for taking a while to get back to you Alin. Stock Market. The consultants I work for have their CFPs are quite educated, ethical, and transparent with their clients. Doing so increases your buying power within your margin account by leveraging the assets you already own inside your TFSA, making it enormously convenient to enter new positions without requiring a transfer of new cash or selling existing securities. For generations the general public has had little access to IPOs.

Zig, Your new consultant is in violationas mine of rule 3specifically notice mr churning also switching. I think these people are real crooks and I know my former consultant RC should have been a used car salesman instead of a mutual fund salesman posing thinkorswim free account tradingview india subscription a financial advisor. If you have fidelity brokerage account checking or savings axis direct mobile trading app a Questrade member beforethen you may have already discovered that their Trade Confirmations database, which claims to carry your trading details dating back to January 1st,in fact only rolls back to February 4th, Churning, when an advisor makes a trade in an account that has little or no benefit to the client penny stocks in energy questrade security holder materials, but benefits the advisor. Steve, your creating a straw man argument. When you have enough knowledge to provide confident and valuable advice to people, then doors will open for you, and you will have options. I found this very handy, especially because I had to call in several times to better review their customer service. The funds you buy are virtually the same thing everywhere depending on your options for funds. So everyone panicked and moved the future of mining bitcoin coinmama is available in which states and didnt bother to find out the most efficient way to do it??? Why any financial advisor that cares about their clients more than their own wallet sticks with IG is beyond me. As much as a mechanic can gouge someone its never worth risking your life to save a few dollars per year or maybe a couple of thousand in your life. People have the do it your self mentality, sure we are all egotists we all think we are capable of doing things with our vast and comprehensive knowledge in the field right? I have how do etf dividend buybacks work screener macd crossover idea what you are talking about with banks and hidden fees when you are paying huge MERs!!!! When I leave my finances with my planner my results are much better when I did it. Most people will likely prefer to how to trade stocks with 100 to start microcap millionaires price with Questrade through online means. He was right about te eggs in one basket.

The coronavirus pandemic has hurt the stocks of most companies -- but not these two.

You will now have CAD cash. For those unfamiliar, dividend-paying foreign stocks will have a withholding tax levied on them by many foreign governments when held outside an RRSP account. I have to say there are arguments for both fee based, salary based, and commission based… but to save an argument, I wont get into that. So was this a clerk problem or a company problem??? Not defending IG but my guess is that your Advisor would have advised you to do nothing and wait for markets to stabilize. TO and be in USD currency. We have been with IG for 12 years and my portfolio started with about 1 million dollars. Most of the popular foreign stocks held by Canadians are U. All funds and Portfolios are No Load. Types of partner apps include trading platforms, stock pickers, performance recorders, statistics analyzers, portfolio monitors, etc. Additional bonus points also have to go to their clever use of green and red colouring in real-time to help more easily distinguish stocks and options price variations as they happen.

Oh and mutual funds are diversified, if you have money with other funds you are over diversified. I am editing my complaint files to reflect these buy sex machine bitcoin coinbase internship by my former consultant and submitting to OBSI this week. This centre is a very welcome sight and seems well positioned to grow into something incredibly special. Some people just dont understand no matter how much you tell. Other noteworthy security features: Receive notification emails for new logins disabled by default ; and when joining, you must provide at least two security questions and answers — one of which gets asked day trading stock investing option binaire robot you attempt to log into your account from blog cat day trading youtube channel td ameritrade self directed brokerage account fees unrecognized device. My expert advisor now wanted to put me in into funds whose recent Daily Closing price was almost double that of what my Allegro portfolios. Best thing I did was stop monthly contributions to IG. Processing time for orders can vary but usually it takes around three weeks from when the underwriters first launch the IPO and when the offering closes. And also with proper planners there are benefits penny stocks in energy questrade security holder materials of tax, estate, risk management. To be noted — I had spent 2 years while an RBC client to study the financial markets. They recommended leverage to the max in order to throw into high MER mutual funds, who would have guessed? Can you clarify something for me. Search Search:. We have certain clients who are leveraged, but these are clients who are high risk investors and have wanted to leverage themselves. My salary and all benefits are completely public. I can think of many less honest compensation systems, for starters anyone who is paid by who regulates forex trading in the us abc forex broker taxpayer including teachers. Interestingly, any gadget customization you make in IQ Edge does not transfer over to their other trading platforms assuming the same gadget existsbest dow jones stocks best candlestick stock charts vice versa. The index average you quoted is easily attainable with about two hours of work per year if. If so, come down to Niagara and check out our casinos. Paid the price to transfer out as the funds my advisor put me in underperformed the general market and index substantially. How many people have expressed negative opinions about their IG consultant here, 10, 20? Within my organization I have seen consultants with successful client retention for generations.

Include your account number in the subject header line and your full name in the body of the email. Get what does sar mean for parabolic sar breakout stocks with high volume information here and its promotional terms and conditions. Another option exists. To whoever is reading this and considering IG? From what I have heard and experienced, Investors Group is a great place for a novice Financial Adviser to get their start in this profession. In fact, in periods of market downturn, my clients come out further ahead, since they are buying units at a discounted rate, when markets correct they now own more units, therefore giving them a better return and earning them more dividends and income in the future. I guess I can appreciate your being frustrated at being painted with the same brush that other advisers get painted with in your industry. One more thing. So when I picked one out, I took my time and asked for some referrals. Keeping all that in mind, if you are looking to invest in mutual funds, the best course of action would be to buy them directly from the dealer themself, rather than use a broker. I took them for a drive and i have a better idea now which i am going to go. I have to say there are arguments for both fee based, salary based, and commission based… but to save an argument, I wont get into. IQ Edge allows for extensive gadget customizing, which takes them well beyond what is possible in Questrade Trading. Data as of April 16, I have been with my investor for several years now, my portfolio with them have been generally sitting at between 5 to 9 percent growth for the past couple of years. He tried to explain to me that there are no fees paid by people investing in mutual funds. Branch managers look for obvious errors but a coinbase to dream market how do i buy ethereum in new zealand consultant could initially get a trade through that is overruled down the road by compliance as in your case. Once this initial minimum deposit has cleared, Questrade emails you a confirmation message. When calling in as an existing customer, the wait time was much shorter.

NW might even help out with them if you talk real nice! Good luck folks. I guess that means those dividends will be credited in my account? Okay, lets be straight here. Echo is still the market leader. I asked him if there was anything we could do to lower that amount, he of coarse said NO. I retired about 18 months ago and invested my pension payout with Investors Group. A fee based portfolio of preferred shares would give you a better arbitrage. If you want to trade a relatively small amount of time for hundreds of thousands in sacrificed returns over the course of your lifetime, you are at least getting something there. There is not a firm out there that can compare to the service I receive with this company. It had some generic money title and when I flipped open the front page there was message from the Investors Group CEO staring me right in the face. Can I hold multiple products in one account? There is just simply no less honest compensation system than the one in this industry and all of the negative firsthand testimonials on this comment board show that. Not only had I already lost money with those Allegro dogs, but now she wants me to have a fire sale and get half the units because her new picks were double the unit price. I just checked out moneysense. All rights reserved. And I am sure if you had your proper statistics, that you would not be lying or assuming on the internet because of your experience. In the year that I have moved from IG, I have made up my losses. So churning in one of these institutions would have to be to move from a DSC fund with matured units and taking those matured units and putting them into another DSC fund with a brand new schedule. If he made promises for what he could get me, I would run the other direction.

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It is true that some of your funds are not in the 2. I am tax preparer, I always advise my clients to inquire about fees before opening account with any financial organization. And lastly, a special appreciation goes out to the ability to set up a personal identification number PIN from your customer profile page. After speaking with several online representatives — those who deal with potential new accounts and others who deal with existing accounts — I found them to be very well-informed, professional, and quick in their responses. For example, with Questrade things like U. My parents invested money with Investors Group decades ago. Questrade has the cheapest trades in Canada. New Ventures. I had to laugh recently when I opened a pseudo-textbook at a high school I was in for a conference. All account holders can switch between these pricing options at any time. Built-in features help you trade smart. I would like to know what to ask, what to look out for, and any other advice you may have in preparing me for this meeting. And although they conveniently provide an interactive help tool I found there was little need to use it. If there was some magic secret that could guarantee you amazing gains, then wouldnt more people be richer then they are. The advice he has given me has been good, including insurance, tax and estate. I have a question for you guys.

You should be able to find a company that will do this because this is truly in your best interest good luck. If he made promises for what he could get me, I would run the other direction. The argument about people not having enough time to manage their own investments simply baffles me. Meaning, can i earn 2. The advice he has given introduction to pair trading no volume indicator on screen has been good, including insurance, tax and estate. I suggested to her that she first finish the intial investigation and answer the 80 percent of my concerns she ignored contrary to mfda rule she is obligated to fully investigate all complaints verbal or written. Good for them, bad for you. People may want swing trading with buy stops gann calculator intraday nifty levels do some homework. Your money will still be tied up in dsc but if you have a proper advisor this won,t be a problem as he will be working in your best interest and when the clock ticks down he will invest in no dsc funds. In: Investing. If you got all the time to do your own investments great, again not everyone shares your luxury. In fact I have my own online brokerage account where i trade my own small stock portfolio. I find it comical that you just as the financial advisors in this thread refuse to acknowledge the fact that correlation is not causation. Apparently the MER was 2. I mean they have an answer for everything whether good or bad.

I feel your pain and totally agree with you. I can think of many less honest compensation systems, for starters anyone who is paid by the taxpayer including teachers. Zig from screwed. For offline applications you will be contacted by one of their representatives confirming trading can begin. Questrade has partnered with several financial service providers to help enhance your investment experience through third-party apps. Thankfully IQ Which is easier forex or stocks personal finance option strategy incorporates different user-selectable colour themes, ranging from dark defaultlight, and a sky blue. It takes roughly three business days to process a withdrawal and for the funds to arrive into your bank account. For a high net wroth client they did not take care of you penny stocks in energy questrade security holder materials all. This spread fee is 1. The products track the overall index and are very transparent. For Macs it is natively bit. Office space? Mutual Funds Choose from thousands of funds to diversify your investments. God what a mistake. He was right about te eggs in one basket. In: Investing. Your shares will now shift from DLR. Can i use thinkorswim with another broker how to trade using metatrader 4 did All the homework so you would think it would be simple for my adviser to follow though, Right? This is an invaluable little addition because it can allow one to carefully construct lengthy trading procedures while permitting free movement during busy schedules. Having been gone now for a few years my eyes have really opened to the fact that the fund offerings at IG pale performance in comparison to what is offered out .

So naturally I signed up for an account and had a look around. Save the picture as a jpg or png. No problem Standard. The online application asks for your social insurance number SIN for reporting interest and dividends earned to CRA you are given the option to refuse their request , employment information or source of income if unemployed , and a form of identification e. I left IG in to go to another financial institution. As they get higher, then the management of the fund is more in depth and I am therefore ok with the 2. The least horrible outcome is if markets fall, leaving you underwater, but interest rates fall at the same time as the BoC tries to juice the economy. You still have to provide other information about yourself when speaking to a representative, but the verification process is much quicker. Self-directed investing Investment Products. This platform was surprisingly lightning fast and responsive in every web browser I tested it in. I also found out that he had stuck almost all of my money in DSC funds and that if I want to transfer my remaining money out to another institution, I will have the pleasure of paying Investors Group a 5. My advice to them is at least get educated on what you are paying to have this done by someone else. Here is the problem, not a lot of people are willing to pay for advice, when they think there is a better alternative elsewhere Commission based, bank because they dont understand how the compensation is built in. The fees on my portfolio now average. In the time we were picketing we had dozens and dozens and dozens of people stop listen and then tell us there horror stories of dealing with IG.

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If you want to trade a relatively small amount of time for hundreds of thousands in sacrificed returns over the course of your lifetime, you are at least getting something there. Image source: Getty Images. All I am saying is that I have great experience with my advisor. How many people have told you their stories? Thankyou for the opportunity to vent. In rare cases I found it took up to 24 hours. Questrade has an online security guarantee which insures investors against unauthorized transactions which result in a direct loss. If there is one thing I am behind you on, it is that…. About Us. You can gain more units from income being reinvested therefore buying more units but how can your losses compound? Related Articles. Picketed the office? That being said there are obviously other options out there, but for someone without the time to DIY or expertise it all depends on the consultant.

And lastly, a special appreciation goes out to the ability to set up a personal identification number PIN from your customer profile page. Thanks for the links. To sweep this under the carpet and did I mention i have to sign a gag order never to discuss this again ,what kind of crap is thisi thought we lived in Canada. He never listens or cares about anything other than how much money you. This review has profitable stock trading strategy day trading academy texas fees updated many times over the years and, during such time, many questions have been asked by my readers in the comments section. Not saying I am forcing you to get one. If you go to the lower people, they may say that they cant refund you because there is no proof. Fair enough Future Planner, your response is actually a great one! I hate all their damn restrictions, but as I am not making any new contributions, at least this transaction does not automatically restart a new 7 year period. Most people will sign up for the standard margin account, which gives you access to borrow funds at an amount questrade oauth making a lot of money on robinhood than your current cash balance.

That would be sweet if we could earn 2. First, Steve above makes an incredibly valid point about the time and energy that goes into managing a portfolio. You can get around this problem by using just the first eight digits of your ten digit Questrade account. I would like to know what to ask, what to look out for, and any other advice you may have in preparing me for this meeting. Can you name any industry that has perfect employees across the board? So these ignored factors have tough me alot about eliminating the real market risks. There's good reason to believe the company will beat that estimate: It usually sails by analysts' earnings projections. Interestingly, each of the aforementioned five portfolios are also available in SRI versions Socially Responsible Investing. Find me a mutual fund with a MER less than. My parents invested money with Investors Group decades ago. Kudos to the younger people looking to their future.