Investment Services for GIC's, Mutual Funds & More

How do I Know Where to Start My Investment Journey?

Investing for your future or retirement sometimes makes people feel adrift. Helm Asset & Wealth Management can help steer you through investment decisions suiting your individual needs. We understand that our clients need to manage their wealth and help it grow. Instead of selling you specific products, we offer instead guidance and expertise. We are a premium investment partner connecting our clients to the services that help them reach their unique wealth goals.

What is a GIC and How Does it Work?

A GIC is a solid investment with a small yield. Sold by Canadian banks and trust companies, the Guaranteed Investment Certificate has a fixed rate of interest; however, the rate of return is low, typically under 3%. Credit unions will typically offer a higher Return On Investment (ROI) than big banks, but that's usually a difference of less than 1%. It's a good choice for a retirement or long-term savings portfolio, as there is little risk – the certificate is valid unless the bank defaults. For those who have a long time to allow a GIC to mature, it's an easy choice. However, the low rate of return isn't best for investors who need to multiply their investment quickly.

How Can I Get More Out of GICs?

You can get a better ROI from your GIC by working with a Deposit Broker, one of the services Helm offers. Deposit brokers exist to find the best rates for GIC and bonds – we can shop around to different institutions, as well as put together a group of investors for larger purchasing power. If you're looking to diversify your retirement portfolio to include higher-return investments, Helm can steer you on the right course.


What Are Mutual Funds and Are They For Me?

Mutual funds are a lower risk way to invest in the stock market. Managed by a Fund Manager, they group money from several investors for purchasing stocks and bonds. The investment risk and historical return is found in the Fund Prospectus, and the job of the fund manager is to ensure that the fund delivers. This is less risky than an individual investor putting their money in one or two stocks -with a group investment, the stocks that perform well help shore up the losses from the laggers. But are mutual funds alone the best investment choice?

When you employ professional investment management with a tailored portfolio, you have more control over the investment – if you choose to sell shares of a stock, you can instruct your portfolio manager to do so, which is something you cannot with a mutual fund (all the buying and selling decisions rest with the fund manager). In addition, professional investment management gives you more flexibility – as your needs change, your portfolio can make the changes to a more or less risky option.

There's another difference that sets Helm apart: more personal involvement. Your account manager is available in real time to answer questions you have about the market and your money. Not every mutual fund manager knows their clients personally – some have only communicated via email or a third party. Helm planners live here, work here, and play here. With our unique feel for the communities of Drumheller and Eastern Alberta, we have a deep understanding of your needs that a big bank lacks.

What Our Customers Are Saying

Check out what some of Alberta's most satisfied clients have to say about Helm and our variety of investment solutions. These Alberta investors have put us at the Helm of their ship and as a result, we brought their portfolio to places they never thought possible with other firms. We were partners, navigated the seas of retirement savings together and secured the financial futures of them and their families. When you know Alberta and its residents like we do, calling us is an easy choice for simple, straightforward investment planning from local experts who care about your financial goals.

It’s been great working with Helm to get me started in the right direction when it comes to investing my money. I have seen great return, but even better, I feel supported every step of the way.
— Christine Reyes, Customer

Tell Us About Your Biggest Investment Concerns

We Want to Manage Your Future with Confidence, Let Us Sit Down & Have a Free Consultation With You

Still, have questions about purchasing a GIC versus a mutual fund or looking to chart the right course for your financial Destination? Picking the right financial partner is the key.  Drop us a line by calling us or tell us about your investment concerns using the form below. One of our account managers will book an appointment for a free personal consultation. Choose Helm Asset & Wealth Management to steer you on the right course for your financial future.


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