Investing

We offer investments in domestic and foreign markets for stocks, options, ETFs, mutual funds, futures, bonds, and fixed income. Learn more about each financial product below or contact an advisor to assist you in developing the perfect plan to satisfy your investment objectives.

Equities

Combining premium research with direct market access through NBIN, equity investing and trading with Chippingham offers worldwide opportunities. You can access U.S., Canadian, and global markets, complete with multiple currencies, options, and timely clearing across most major markets.

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

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.

RRSP
RESP
TFSA
RDSP

What is a Registered Retirement Savings Plan?
A tax sheltered investment account designed to help Canadians save for retirement or future use.

What are the Benefits of an RRSP?

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(interest, dividends, capital gains) made from investments held within an RRSP will not be taxed until they are withdrawn from the account

2. 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

What is a Registered Education Savings Plan?
A tax sheltered investment account used to save for a beneficiary 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.

What are the Benefits of an RESP?

1. 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.

2. Canadian Education Saving 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.

3. Canadian 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.

What is a 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.

What are the Benefits of a TFSA?

1. Tax-free income and growth
Investments and growth made within a TFSA are not taxable allowing you to reach both your short and long term savings goals a lot faster. You can contribute up to $5,500 annually to your TFSA and more if you have unused contribution room from prior years. In addition investment income earned by, and changes in the value of TFSA investments will not affect your TFSA contribution room for the current or future years.

2. Tax-free withdrawals
Any funds withdrawn from a TFSA are not taxable including the investment growth and income portion.

What is 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.

What are the Benefits of a RSDP?

1. Tax-deferred income and growth
Income and capital growth on investments held in the RDSP are not taxed until the funds are withdrawn.

2. Canada Disability Savings Grant
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.

3. 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.

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.

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?

By investing in mutual funds, you can diversify 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. Mutual Funds are very liquid investments and can be bought or sold with ease, and allow you access to professional investment management.

Fixed Income & Bond Products

Whether for retirement or balancing a portfolio, having access to fixed income products is crucial. However, most financial institutions do not possess 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.

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: Principal investment is protected through being guaranteed by the issuer, with the added benefit of interest income.

Flexible: 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: A bond can be bought or sold at its market value any time you need access to it.

Exchange Traded Funds (ETFs)

Allowing easy access to formerly challenging markets, exchange traded funds (ETFs) are more popular than ever. Often with lower costs than traditional mutual funds, ETFs make building a well performing portfolio easier. 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?

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. ETFs are very liquid investments and can be bought or sold with ease on an exchange and they provide investors with professionally managed funds at one of the lowest costs in the industry.

We Are a National Financial Services Firm Focused on Clients' Needs First

Chippingham Financial Group’s Futures Investment Advisors are also fully registered to deal in securities, mutual funds and options. They are empowered to provide you with
seamless service for your investing and trading with ready access to the markets and products you need.