Your Partner In Achieving Your Financial Goals


The financial market has a variety of investment options to suit each and every type of investor. At Chippingham Financial Group, our advisors will assist you in developing the perfect plan to satisfy your investment objectives. We offer investments in domestic and foreign markets for stocks, options, ETFs, mutual funds, futures, bonds, FX and GICs. Learn more about each financial product below, click for a description of each below. For more information please contact your Chippingham Financial Advisor at one of our branches.

Equities

Equities

Combining premium research with direct market access through BNCN, equity investing and trading with Chippingham offers worldwide opportunities.  Client can access U.S., Canadian, and global markets, complete with multiple currencies, options, and timely clearing across most major markets.  Please contact us for details.

What are stocks?

Stocks represent an ownership in a company. Trading stocks can be profitable when you buy (long) a stock at a lower price than you sell or sell (short) a stock at a higher price than you buy. Owning stocks can also be profitable when the company you own pays out a portion of its earnings to you in the form of dividends.

How do we pick stocks?

We begin by identifying key investment themes and trends through studying the macroeconomic picture, sector/industry growth, global regional opportunities, and geo political landscape. We then identify companies with good growth prospects by screening for reasonable valuations, history of earnings growth, positive earnings surprises, and future growth expectations.

How do we manage risk?

One of the keys to managing risk in equity investing is to have the ability to keep your winners and identify your losers quickly. This approach requires discipline, which is why we continually monitor both the markets and our portfolio holdings. We are active managers dedicated to keeping your capital intact during difficult periods and capturing the gains during positive markets.

Registered Accounts (RRSP,RESP,TFSA,etc)

Registered Accounts

For deferring taxes, saving for college, creating a fixed income for retirement, or generating tax-free income, we have a wide selection of registered account to meet your needs.  Please contact us for details.


 

Registered Retirement Savings Plan (RRSP)

A tax sheltered investment account designed to help Canadians save for retirement or future use.

Benefits of an RRSP

Tax-Deferred Growth & Earnings

  • Any profits (interest, dividends, capital gains) made from investments held within an RRSP will not be taxed until they are withdrawn from the account

Potential Tax Refunds

  • Taxable income can be reduced by the contributions made to an RRSP of up to a certain limit resulting in potential tax refunds

 

Registered Education Savings Plan (RESP)

A tax sheltered investment account used to save for a beneficiary’s education (child, grandchild, nieces, nephews, or family friends). The beneficiaries must be a Canadian resident and have a valid social insurance number (SIN). The maximum lifetime amount you can contribute to a RESP is $50,000 per beneficiary.

Benefits of RESP

Tax-Deferred Growth & Earnings

  • Any profits (interest, dividends, and capital gains) made from investments held within a RESP and the government grants will not be taxed until they are withdrawn from the account. When the beneficiary is enrolled in a qualifying post-secondary education program, any withdrawals attributed to the investment income and grants will be taxed in the beneficiary’s hands.

The Canada Education Savings Grant (CESG)

For every eligible beneficiary under the age of 18, the government will match 20% on the first $2,500 contributed annually to a RESP. The maximum total CESG the government will give per a beneficiary is $7,200. The government will pay an additional CESG amount of up to 20% on the first $500 contributed for each qualifying beneficiary.

Canada Learning Bond (CLB)

For families entitled to the national child benefit supplement (NCBS) for their child, the CLB will provide an initial $500 to children born on or after January 1, 2004 and an additional $25 to help cover costs of opening an RESP. The CLB will thereafter pay an additional $100 annually for up to 15 years for each year the family is entitled to the NCBS for the child.


 

Tax Free Savings Account (TFSA)

A Tax-Free Savings Account (TFSA) is a registered savings account that allows you to put your savings toward eligible investments while not having to pay tax on the investment income or growth you generate.

Benefits

Tax-free income and growth

  • All investment income and growth within a TFSA are not taxable allowing you to reach both your short and long term savings goals a lot faster Annual Contributions Allowed You can contribute up to an amount of $5,500 annually to your TFSA and more if you have unused contribution room from prior years.

Tax-free withdrawals

  • Any funds withdrawn from a TFSA are not taxable including the investment growth and income portion.

 


Registered Disability Savings Plan (RDSP)

A Registered Disability Savings Plan (RDSP) is a tax sheltered investment account intended to help parents and others save for the long-term financial security of Canadians with a disability. The person with the disability must be eligible for the Disability Tax Credit in order to open this savings account.

Benefits

Tax-deferred income and growth

  • Income and capital growth on investments held in the RDSP are not taxed until the funds are withdrawn.

Government Assistance

Canada Disability Savings Grant (CDSG)

Maximum CDSG grant per year is $3,500 until the end of the year in which the beneficiary turns 49. Lifetime limit for CDSG grant is $70,000.

Canada Disability Savings Bond (CDSB) Maximum CDSB grant per year is $1,000 per year until the end of the year in which the beneficiary turns 49. Lifetime limit for CDSB grant is $20,000. No annual contribution limit Contributions can be made at any time up to the end of the year the beneficiary turns 59. The current lifetime contribution is $200,000.

Futures Trading

Futures Trading

Precious metals, energy, agricultural products, and many other segments can be traded over futures exchanges. Chippingham specializes in advising and trading these challenging, high-risk/high-reward sectors. Not only can we help clients execute trades across most global futures markets, but we can provide unique trading recommendations from our company founder, a highly successful futures trader. Please contact us for more details.

What is futures trading?

A form of investment which involves buying and selling a commodity at a pre-determined price in the future. Futures contracts are standardized financial instruments that detail the quality and quantity of the underlying commodity.

Benefits of futures trading

Highly leveraged investment

An investor only has to put up a small fraction of the value of a futures contract (usually around 10%) to gain exposure to the full value of the futures contract.

Futures Markets are very liquid

Thousands of futures contracts are traded daily allowing orders to be filled very quickly.

Hedging risk exposures

We can trade futures to help limit your portfolio or business to risks associated from price fluctuations in specific commodities.

Mutual Funds

Mutual Funds

Mutual funds rely on third party professional fund managers to deliver diversified funds covering virtually every sector of the market. From market index funds, to international growth funds and everything in between, we can provide a fund that fills the role your portfolio requires. Please contact us for details. Mutual funds rely on third party professional fund managers to deliver diversified funds covering virtually every sector of the market.  From market index funds, to international growth funds and everything in between, we can provide a fund that fills the role that your portfolio requires.  Please contact us for details.

What are Mutual Funds?

Mutual Funds are a basket of securities hand selected by professional fund managers to seek a specific investment objective and style.

What are the benefits of Mutual Funds?

Diversification

By investing in mutual funds, you could be diversifying your funds in securities among various geographic regions, industrial sectors, and asset classes. This will allow any downturns in any one region or sector to be offset by strong performance in other regions or sectors.

Easy Access

Mutual Funds are very liquid investments and can be bought or sold with ease

Professionally Managed Funds

Mutual funds allow you to gain access to professional investment management.

Foreign Exchange

Foreign Exchange

As one of the largest markets globally, the $5 trillion traded daily on foreign exchange markets gives investors a way to either balance currency exposure, or trade against both major and exotic currencies. We bring both knowledge of these complex, rapidly changing markets, and full broker services to execute trades. Chippingham clients also enjoy one of the lowest foreign exchange rates in Canada. Please contact us for details.

Benefits of Foreign Exchange Trading

Highly leveraged investment

An investor only has to put up a small fraction of the value of a foreign exchange trade FX markets are open 24 hours a day, and the most liquid asset group$5 trillion traded daily on foreign exchange markets allowing orders to be filled very quickly.

Hedging risk exposures

Whether you’re importing or exporting goods for your business, our advisors will help mitigate that risk so you can focus on your business.

Fixed Income / Bond Products

Fixed Income & Bonds

Whether for retirement, or balancing a portfolio, having access to fixed income products in crucial.  However, most financial institutions do not posses the expertise to help clients navigate this very complex but very large market.

At Chippingham, our expertise can help create a solution specifically for your needs.  Chippingham is one of Canada’s top bond trading institutions.  Let our expertise become your advantage!  Please contact us for details.

What is a Fixed Income investment?

A fixed income investment is a type of investment that provides a fixed rate of return for a definite period of time. Bonds can be issued from the government (Federal, Provincial, Municipal), Federal crown corporations, and other privately owned corporations.

What are the benefits of a fixed income investment?

Protection of principal investment plus interest income. Principal investment is guaranteed by the issuer with the benefits of interest income.

Flexible Options

Our investment advisors can help you navigate through all the fixed income investments available and choose the ones with the right maturities and income options.

Ease of access

Bonds can be bought or sold at its market value any time you need access to it.

Exchange Traded Funds

Exchange Traded Funds

Allowing easy access to formerly challenging markets, ETFs are more popular than ever. Often with lower costs than traditional mutual funds, ETFs make building a well performing portfolio easier than ever. We have a full library of ETFs that can drive income, growth, or offer stable performance. Please contact us for details.

What are ETFs?

An ETF is a pooled security that can hold a basket of different stocks, bonds, and other investments to meet a certain investment objective. ETFs are traded on an exchange just like a stock.

What are the benefits of ETFs?

Diversification

By investing in ETFs, you could be diversifying your funds in securities among various geographic regions, industrial sectors, and asset classes. This will allow any downturns in any one region or sector to be offset by strong performance in other regions or sectors.

Easy Access

ETFs are very liquid investments and can be bought or sold with ease on an exchange.

Professionally Managed Funds

ETFs provide investors with professionally managed funds at one of the lowest costs in the industry.