The strength Sandi Promislow,
and security of dent,
Nulla ultricies gravida ipsum eu ultricies. Aenean quis massa
non ligula consequat tempus. Duis volutpat, risus a feugiat
porta, risus elit feugiat metus, a ultrices justo diam et erat.
Mauris vel mauris nulla. In quis augue eu sem placerat pulv-
inar sit amet ut turpis.
Investors Group Inc. is a Canadian leader in providing
personal financial planning services, and is dedicated
to building lasting client relationships.
President and Chief Executive Officer, Investors Group Inc. and
Co-President and Chief Executive Officer, IGM Financial Inc.
With the Power Financial Corporation
group of companies for 33 years
Like all major decisions in life, developing your future resources according to a
personalized financial plan requires careful consideration. At Investors Group
we believe you deserve a long-lasting relationship built on understanding, trust,
Investors Group is a part of IGM Financial, and a member of the Power Financial
Corporation group of companies, one of Canada’s largest and most respected
corporations. When you choose us, you enter into a relationship with an industry
leader that Canadians have trusted for more than 80 years. At Investors Group:
• We relate to our diverse clients through comprehensive planning.
• In all of our endeavours we are diligent in our efforts.
• We respect each other and the communities we serve by being people who care.
These principles guide our actions as we serve you. In recent times of market
uncertainty, when countless financial services companies around the world struggle,
the high quality of our business practices has been illuminated.
We keep your long-term interests at the forefront of our actions, through the
decisions we make on a daily basis. We are proud to be one of Canada’s leading
personal financial services companies, with more than 4,500 Consultants serving
approximately one million Canadians.
“Investors Group has the capital and scale, combined with the
systems, policies and procedures required to hold a position of
leadership and strength in the financial services industry.”
Executive Vice-President and
Chief Financial Officer, IGM Financial Inc.
With Investors Group and IGM Financial for 21 years
Our public company
Investors Group is a major As a public company, IGM Financial
subsidiary of IGM Financial Inc. adheres to standards of conduct and
3 Over $100 billion in IGM Financial is the fourth disclosure that govern all Canadian
assets under management* largest publicly traded global asset public companies. Through quar-
3 Member of Power manager by market capitalization, terly CEO/CFO certification, IGM’s
with over $100 billion in assets executive management personally
under management as of attests to the accuracy of all financial
group of companies June 30, 2009.* information provided to regulators,
3 Fourth largest publicly our shareholders, and the public.
IGM Financial is also a member
traded global asset of the Power Financial Corporation IGM Financial and each of its
manager by market group of companies, which includes subsidiaries, including Investors
capitalization** financial services companies located Group, is governed by Canadian
in Canada, the United States and legislation and internal policies
Europe. and processes that are designed to
protect the interests of our clients
Using our scale and investment in
and shareholders. These policies
technology, systems and processes,
and processes are regularly
we manage our resources effectively
reviewed by management, by a
for long-term growth in our
broad and constant program of
businesses. We have maintained
internal audit activities and by
a highly liquid and conservative
consistent internal audit activities
balance sheet and have made
and an independent external auditor.
prudent corporate investments.
This approach has served all *As of June 30, 2009
our stakeholders well and has **Source: Bloomberg
positioned the company for
“Over the past 25 years, I’ve seen first-hand how trust and
integrity impact Consultant-Client relationships. I believe
these attributes are in large part why over half of Investors
Group clients have been with us for more than a decade.”
Executive Vice-President, Financial Services
With Investors Group for 26 years
Our relationship with you
At Investors Group you benefit as investment asset allocation, tax
from the expertise and insight and estate planning, insurance,
3 Industry leader for more of our exceptional Consultants, mortgages, and securities.
than 80 years who have been helping Canadians Consultants receive training
3 Over 4,500 Consultants and their families for more than and support from a team of
80 years. professionals including account-
advising nearly one ants, tax and estate lawyers,
million Canadians Today we provide financial
actuaries, and pension experts
planning advice and services to
3 95 region offices from who are able to provide sound
Canadians through a network of
insights and advice in all areas
coast to coast over 4,500 Consultants associated
of financial planning.
with 95 region offices from coast
to coast. Our goal is to build lasting,
quality relationships with our
We provide Consultants with our
clients based on integrity and
initial comprehensive training
trust. Many clients have been
program when they begin, and
with us for decades, and it is
they are mentored by experienced
common for us to have multi-
Consultants as they begin working
generational relationships with
with clients. We then provide
some of the industry’s best contin-
uing financial services education Consultants work to understand
opportunities to keep our Consult- the unique financial situation of
ants in step with emerging issues each client and family, and are
to help our clients. equipped to help them explore
financial planning options at
All Consultants have access to
each stage of their lives.
local specialists and head office
teams of experts on topics such
“Effective information security is essential to
protect our clients and to maintain their
trust and confidence.”
Senior Vice-President, Information Services
With the Power Financial Corporation
group of companies for 35 years
Protecting your information and privacy
Information security is of utmost and to better serve your financial
importance to Investors Group. planning needs. All who work with
3 Comprehensive information
Through our affiliation with the this information are required to
security program Power Financial Corporation group respect its confidentiality.
3 Strict adherence to of companies, we have the strength
and efficiency of an integrated infor- Secure website
Canadian privacy laws
mation technology platform that is On our website, investorsgroup.com,
3 Encrypted, password- both global in scale and expertise. you can access your client records
protected, online access securely through our encrypted,
for clients Information security password-protected Client Account
We have a comprehensive View system.
information security program that
reinforces our information security Confirmations
technology, policies, standards, After any investment transaction,
awareness, and practices. We know you receive a written confirmation
that effective information security is of the details of the transaction,
essential to protect you and to main- usually within 10 business days of
tain your trust and confidence in us. the transaction.
Guarding your privacy Financial portfolio statement
We also take the guarding of your Each quarter you receive a detailed
personal information very seriously. financial portfolio statement on
In accordance with Canadian your holdings. The statement shows
privacy law, we divulge information the activity in all your accounts and
about you only as required by law summarizes their current values.
when necessary to service your Much of the information we hold
account, or as otherwise authorized about you is in the form of transac-
by you. We will never sell our client tion records. If you want to check
lists or make them available to other the records we hold, you can request
companies outside of affiliates or a copy of this information from your
those under contract with Investors Consultant, your local region office,
Group for the purpose of helping or from our head office.
us administer your account(s)
“The foundation of financial planning is trust.
We earn our clients’ trust through adherence to high
standards, strong ethics and ongoing diligence.”
Executive Vice-President, Financial Services
With Investors Group for 23 years
Protecting your investments
Your Investors Group investments Regulations and corporate policies
3 Prudent business are protected through a broad range
of prudent business practices and In addition to applicable laws and
practices and regulatory regulatory structures. The activities of regulations, our Consultants must
structures our Consultants and the management comply with our internal policies
of our funds are governed by extensive which have been designed to ensure
3 Regulated by the Mutual that clients are informed and provided
regulation and oversight.
Fund Dealers Association with full, true, and plain disclosure.
of Canada Knowing our clients Additionally, every Consultant is
supervised by a Branch Manager
3 Rigorous regulatory Each Investors Group client is served who undertakes regular reviews of
framework by a dedicated Consultant who takes the activities and trades undertaken
the time to understand and document on our clients’ behalf.
their financial circumstances, invest-
ment objectives and risk tolerance. Investment protection
This information is reviewed on
a regular basis to ensure that we Our investment dealer, Investors
continue to meet the client’s needs. Group Securities Inc., is a member
of the Canadian Investor Protection
Consultants are registered Fund (CIPF). Customers’ accounts
are protected by the CIPF within
Each of our Consultants is registered specified limits. A brochure describ-
with a provincial or territorial securi- ing the nature and limits of coverage
ties regulator and is also regulated by is available upon request. Guaranteed
either the Autorité des marchés finan- Investment Certificates and Term
ciers and the Chambre de la sécurité Certain Annuities are issued by our
financière (in Québec) or the Mutual federally regulated trust company,
Fund Dealers Association of Canada Investors Group Trust Co. Ltd., which
(MFDA) or the Investment Industry is a member of the Canada Deposit
Regulatory Organization of Canada Insurance Corporation (mutual fund
(IIROC), depending on the structure securities are not covered by the
of their practice. Consultants offering Canada Deposit Insurance Corpora-
insurance do so through our insurance tion) and whose activities are regulated
distributor I.G. Insurance Services by the Office of the Superintendent
Inc. and are licenced with the relevant of Financial Institutions.
insurance regulator in a jurisdiction.
“At Investors Group, we strive to deliver accurate, reliable, and
meaningful information on the financial results of our mutual
funds. To do that, we have rigorous processes and controls over
accounting, custody, valuation and financial reporting activities.
This includes proactively dealing with emerging accounting and
regulatory changes that affect our funds.”
Vice-President, Finance, Funds Financial Services
With Investors Group for 12 years
Comprehensive fund reporting
Investors Group provides clients and are reviewed annually by an
with timely and accurate fund independent external auditor.
3 Financial statements
valuations and top-quality, consis-
and reports prepared tent reporting on our mutual funds Information available to clients
in accordance with to ensure that clients are up-to-date Information available to clients in
Canadian accounting and well-informed about their addition to their own quarterly
principles investments. statements includes:
3 Top-quality, consistent Accounting principles The annual audited financial
reporting on our statements and the interim finan-
Financial statements are prepared in
cial statements for their mutual
mutual funds accordance with Canadian generally
fund which provide the financial
accepted accounting principles
3 Regular external audits position and results of operations
which dictate the standards, conven-
in accordance with generally
tions, and rules accountants must
accepted accounting principles.
follow in recording and summariz-
ing transactions. An independent Clients can also opt to receive
external auditor reviews the Fund’s the Management Report of Fund
annual statements of net assets, Performance (MRFP), which is
statements of operations and state- produced on a semi-annual basis.
ments of changes in net assets in The MRFP provides a discussion
accordance with Canadian generally of the fund’s performance, along
accepted auditing standards. Strin- with an analysis of financial results
gent controls are in place over the provided by the fund manager.
preparation of financial statements In the two quarters of the year in
to help ensure consistency and which an MRFP is not produced,
reliability. a Summary of Investment Portfolio
is released on our website. It
Audits and reviews
provides a summary of each
Financial statements and mutual mutual fund’s top 25 holdings
fund reports are reviewed and and the major asset classes in
approved by the fund’s Board of which the fund was invested.
Directors and its audit committees
“Our stringent investment process and comprehensive
research discipline have served Investors Group clients well.
Our prudent approach to investment decision-making has
allowed us to keep portfolios effectively within each fund’s
policy guidelines, despite the market environment.”
Executive Vice-President, Chief Investment Officer
With Investors Group for 28 years
Fund management and governance
You need to be certain that the regional markets and drawing on
people managing your money decades of experience to make
3 Global team of experienced
understand and care about the informed, long-term investment
investment managers objectives of each fund they decisions.
3 Stringent investment manage on your behalf. They
Each time an investment manager
process and comprehensive need to have the wisdom to
buys or sells a security held by a
navigate through all types of
research discipline mutual fund, we ensure that the
market conditions and have access
transaction is in keeping with the
3 Fund assets held by to a variety of proven investment
objectives of the fund as set out in
external custodian options to deliver the right mix
the prospectus and that it is compli-
to meet fund objectives.
ant with all securities regulations
At Investors Group we have and our own internal rules.
a global investment management
approach, with a large team of Simplified prospectus
investment managers and advisors Our mutual funds are qualified for
around the world. From our offices sale through the filing of a prospec-
in Dublin, Hong Kong, Montréal, tus with regulators. The simplified
Toronto and Winnipeg, our attention prospectus is the primary offering
is focused on open markets in document when a fund is pur-
different parts of the world around chased and is a primary source
the clock – whether it is day or of disclosure that includes both
night in Canada. general and specific information
These men and women put their for each mutual fund.
extensive experience to work for you
every day, monitoring global and
Board of Directors and conflicts of interest and makes manager, portfolio advisor, and
Independent Review Committee recommendations on whether a investment dealers. It means they
The manager of the funds is proposed course of action achieves are not available for any use or
governed by a Board of Directors, a fair and reasonable result for the purpose other than the operations
which oversees the operations of funds and its securityholders. of the mutual fund.
the funds. The audit committee of Investors Group uses one of the
Custodianship of mutual funds
the board reviews all financial world’s largest custodians, CIBC
reporting by the funds, including Your mutual fund assets do not Mellon Global Custody Services
financial statements and manage- belong to Investors Group; they (an affiliate of the Canadian
ment reports on fund performance. belong to the fund and to its Imperial Bank of Commerce),
It recommends the appointment investors. All securities owned by as the custodian for all our
of fund auditors to the Board and the mutual funds are kept by a mutual funds.
reviews the relationship with the “custodian” (either a qualified
funds’ external auditors. bank or trust company) separate
from any other Investors Group
An Independent Review Committee business. This keeps your assets
(IRC) regularly reviews potential apart from those of the fund’s
At Investors Group, we have a global investment management approach, with a large team of
investment managers and advisors around the world. These men and women put their extensive
experience to work for you every day, monitoring global and regional markets and drawing on
decades of experience to make informed, long-term investment decisions.
“Our approach to community involvement is as much
about sharing the talents and energy of our people
as it is about providing financial support.
We strongly believe that good corporate
citizenship involves both people and money.”
Vice-President, Community Affairs
With Investors Group for 22 years
Investors Group and the community
Investors Group has an established We have a strong corporate culture
reputation of giving back to the of caring for our communities and
3 Long-term member of
communities in which we live we have a long history of attracting
Imagine Canada’s caring and work. Our commitment to people who are ambitious and
company program corporate citizenship is rooted who care for those they serve.
3 Strong corporate culture of in the strong and enduring
Our Consultants and employees
relationships we have developed
caring for our communities donate their time and expertise
with people and not-for-profit
to hundreds of charitable organiza-
3 Founding member of organizations across the country.
tions each year. We also recognize
Corporate Council on We continue to develop partner- the outstanding commitment that
Volunteering ships with national organizations our Consultants and employees
that share a similar outlook on dedicate to their communities
supporting the needs of our through the annual presentation
communities. We are very proud of prestigious community
of our work with groups like service awards.
Imagine Canada, Volunteer
Our spirit of community support
Canada, the Canadian Foundation
and volunteerism also continues
for Economic Education, the
to be recognized by others –
Coaching Association of Canada,
for several years we have been
Food Banks Canada, Free the
the recipient or finalist for
Children, and others who support
Imagine Canada’s Corporate
worthwhile initiatives that enrich
the lives of Canadians and who rely
on the talents and commitments
“Power Financial and Investors Group have produced solid financial
results despite a very challenging economic and business environment.
Excellent management, strong financial positions and conservative
investment practices that have been maintained for many
years are important factors in this success.”
R. Jeffrey Orr
Chairman of the Board, IGM Financial and
President and CEO, Power Financial Corporation
With the Power Financial Corporation
group of companies for 8 years
Montréal-based Power Financial Corporation, with interests in companies active in
the financial services sector in North America and Europe, has strived to meet the
challenges confronting our millions of clients and the thousands of advisors who
work with them. On a relative basis, our companies have performed better than
virtually all of their industry peers around the world.
This strength and success extends to Investors Group as a member of the IGM Finan-
cial group of companies. With a strong focus on building and maintaining enduring
relationships between clients and advisors, Investors Group has worked diligently to
assist investors in coping with increased stock market volatility and sharp fluctuations
in asset values.
The strength of a one-to-one relationship has worked to the benefit of Investors
Group clients through well timed, personalized financial planning and investment
advice and insight during difficult times. Investors Group also has a strong history of
delivering effective investment fund management, with portfolio managers situated
in offices across the globe.
The dynamic combination of a highly professional and growing group of financial
advisors with the ability to draw upon a wealth of expert knowledge ranging from
investment management to retirement planning, tax planning, estates, insurance,
and mortgage and banking services bodes well for Investors Group maintaining its
place as a leading financial services company in Canada.