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DISCLAIMERS
Below are all the disclaimers used throughout this website.
Commissions, trailing commissions, management fees and expenses all may be
associated with mutual fund investments. Please read the simplified prospectus
before investing. Mutual funds are not guaranteed and are not covered by the
Canada Deposit Insurance Corporation or by any other government deposit
insurer. There can be no assurances that the fund will be able to maintain its
net asset value per security at a constant amount or that the full amount of
your investment in the fund will be returned to you. Fund values change
frequently and past performance may not be repeated.
Labour Sponsored Investment Funds ("LSIF") have tax credits that are subject to
certain conditions and are generally subject to recapture, if shares are
redeemed within eight years. Please note that Mutual Fund Representatives in
Alberta are not permitted to sell LSIF.
Your Worldsource Financial Management Inc. (“WFM”), mutual fund advisor
maintains business interests that are separate and distinct from his/her WFM
business activities. You will be provided complete information concerning these
outside business interests, including who is responsible for each business
activity. The disclosure will provide you with that information and will
explain your rights and with respect to business that you place with WFM
through your mutual fund advisor. WFM assumes responsibility and liability for
“Worldsource Financial Management Inc. Business Interests” only. All business
activity undertaken by your mutual fund advisor that are not the specifically
designated as “WFM Business Interests” are not the responsibility of WFM.
Therefore, WFM does not assume any liability for any such activity.
The information contained on this Internet Website is for general information
purposes only and is the opinion of the owners and writers Investors should
educate themselves regarding securities, taxation or exchange control
legislation, which may affect them personally. This web site is for general
information only and is not intended to provide specific personalized advice
including, without limitation, investment, financial, legal, accounting or tax
advice. Please consult an appropriate professional regarding your particular
circumstances.
This Internet Website does not constitute an offer or solicitation in any
jurisdiction in which such offer or solicitation is not authorized or to any
person to whom it is unlawful to make such offer or solicitation.
References in this Internet Website to third party goods or services should not
be regarded as an endorsement of those goods or services. By accessing any of
the links provided you will be leaving the website
LisaMarquesFinancialServices.ca. LisaMarquesFinancialServices.ca is not
responsible for the information contained on these websites.
All information provided is believed to be accurate and reliable, however, we
cannot guarantee its accuracy. Worldsource Financial Management Inc. will not
be held liable for any inaccuracies in the information presented, nor will WFM
be held liable for any software damages resulting from the use of this website.
Mutual funds are offered to Canadian residents only.
Risk of Borrowing to Invest
Here are some risks and factors that you should consider before borrowing to
invest:
Is it Right for You? Borrowing money to invest is risky.
You should only consider borrowing to
invest if:
You are comfortable with taking HIGH risk.
You are comfortable taking on debt to buy investments that may go up or down in
value.
You are investing for the long-term.
You have a stable income.
You should not borrow to invest if:
You have a low tolerance for risk
You are investing for a short period of time.
You intend to rely on income from the investments to pay living expenses.
You intend to rely on income from the investments to repay the loan. If this
income stops or decreases you may not be able to pay back the loan.
You Can End Up Losing Money:
If the investments go down in value and you have borrowed money, your losses
would be larger than had you invested using your own money.
Whether your investments make money or not you will still have to pay back the
loan plus interest. You may have to sell other assets or use money you had set
aside for other purposes to pay back the loan.
If you used your home as security for the loan, you may lose your home.
If the investments go up in value, you may still not make enough money to cover
the costs of borrowing.
Tax Considerations
You should not borrow to invest just to receive a tax deduction.
Interest costs are not always tax deductible. You may not be entitled to a tax
deduction and may be reassessed for past deductions. You may want to consult a
tax professional to determine whether your interest costs will be deductible
before borrowing to invest.Your advisor should discuss with you the risks of
borrowing to invest.
Fund manufacturers may change, reduce or cancel the monthly fund distributions.
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