Friday, April 19, 2019

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head_investmentsAt Oak Tree we offer many different investments or combinations of investments which are tailored to meet each investor’s profile and needs.

With each of the above investments we can further direct them into the following registrations to meet your needs.



Term Deposit/GICs for a specific period under one year. (30 to 364 days)



This is a one year GIC which can be cashed out early. Usually after 30, 60, or 90 days.



When you buy a Guaranteed Investment Certificate (GIC) from a bank, trust company, or credit union, you are lending them money for a stated period of time (days, months or years, with the longer term receiving the higher interest).   This is a signed contract so if you think you may need your money back early, buy a GIC that allows you to change your mind without any penalty.

When you buy a Guaranteed Investment from a life insurance company it can be referred to a Guaranteed Investment Contract, Option or Annuity (GIC, GIO or GIA).

At Oak Tree Financial we offer guaranteed rates from 60 companies, for non-registered and registered (RRSP, RRIF, RESP, TFSA etc) terms.

Bank and trust company deposits are insured up to $100 000 by the federal, Canadian Deposit Insurance Corporation (CDIC), while the credit unions are covered provincially by Deposit Insurance Corporation of Ontario (DICO or similar insurance programs in the province of domicile.  Insurance companies operate on the same principles but they have their own $100 000 deposit insurance through Assuris.



A mutual fund lets you invest in a group of stocks or other investments picked by a professional investor. A fund often offers a broader range of investments than you could buy on your own.

How do mutual funds work?

  • When you put your money in a mutual fund along with many other people, it creates a large pool of money that can be invested. The company that runs the mutual fund puts a professional in charge of investing the money. This person is the fund manager.
  • The fund manager decides where to invest the money and manages it for all of the investors, so you don’t have to decide what to do. The manager also decides when to buy and sell investments for the mutual fund.
  • You put money into a mutual fund by buying units of the fund. You can choose a fund that buys the kinds of investments that you’re comfortable with, and that will help you meet your goals. Is the most important thing to keep your money safe? Get regular income? Grow your money? The fund you choose must be right for you.

How do I make money from a mutual fund?

  • The price of your units will go up if the investments in the fund do well, and you will make money if you sell. If they are not doing well, the unit price falls. You will lose money if you decide to sell your units when the price has dropped.
  • In some cases, the money the fund makes will be distributed to its investors in the form of cash or additional units.

Remember: With mutual funds, you have fewer decisions.

You are putting your money in the hands of a professional. You do this hoping that you will make more money than you could on your own. For some investors, this is not the best choice. It depends on what kind of investor you are.



A Segregated Fund (Seg Fund) is a type of investment fund administered by Canadian insurance companies in the form of individual, variable life insurance contracts offering certain guarantees to the policyholder such as reimbursement of capital upon death to beneficiaries. As required by law, these funds are fully segregated from the company’s general investment funds.


Mutual funds are sold through PEAK Investment Services Inc.
Segregated funds, GIAs, GIOs & insurance are sold through PEAK Insurance Services Inc.