The Strength & Security Of Investors Grouppdf


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The Strength & Security Of Investors Grouppdf

  1. 1. The strength Sandi Promislow, Senior Vice-Presi- and security of dent, Information Serv- Investors Group xxx xxx 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.
  2. 2. Investors Group Inc. is a Canadian leader in providing personal financial planning services, and is dedicated to building lasting client relationships. Murray Taylor, 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, and expertise. 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. 2
  3. 3. “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.” Gregory Tretiak, 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 Financial Corporation 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 long-term stability. 3
  4. 4. “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.” Mark Kinzel, 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 Canadian families. 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 4
  5. 5. “Effective information security is essential to protect our clients and to maintain their trust and confidence.” Sandi Promislow, 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,, 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) 5
  6. 6. “The foundation of financial planning is trust. We earn our clients’ trust through adherence to high standards, strong ethics and ongoing diligence.” Kevin Regan, 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. 6
  7. 7. “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.” B.J. Reid, 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 7
  8. 8. “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.” Scott Penman, 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 8
  9. 9. 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. 9
  10. 10. “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.” Richard Irish, 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 Citizenship Award. the lives of Canadians and who rely on the talents and commitments of volunteers. 10
  11. 11. “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. 11
  12. 12. Head Office: Québec Office: 447 Portage Avenue 2001 University Street Winnipeg, Manitoba R3C 3B6 Suite 2000 Montréal, Québec H3A 2A6 For information, call toll-free 1 888 746-6344, or fax (204) 956-7688. In Québec, 1 800 661-4578, or fax (514) 843-5205. Visit for more information on the following: • Your Investors Group account (Client Account View) • Prospectuses • Management Report on Fund Performance OTHER RESOURCES For information on: • Autorité des marchés financiers, visit • Canadian Investor Protection Fund (CIPF), visit • Chambre de la sécurité financière, visit • Investment Industry Regulatory Organization of Canada (IIROC), visit • Mutual Fund Dealers Association of Canada (MFDA) and the MFDA Investor Protection Corporation (IPC), visit • Office of the Superintendent of Financial Institutions Canada (OSFI), visit Written and published by Investors Group as a general source of information only. It is not intended as a solicitation to buy or sell specific investments, nor is it intended to provide tax, legal or investment advice. Readers should seek advice on their specific circumstances from an Investors Group Consultant. Investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm) and Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec, a Financial Services Firm). Insurance license sponsored by The Great-West Life Assurance Company (outside of Québec). Mortgages are offered through I.G. Investment Management, Ltd., Investors Group Trust Co. Ltd. is licensed to lend in all jurisdictions in Canada*. Inquiries will be referred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, Mortgage Brokerage Licence #10809, Mortgage Administrator Licence #11256. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently and past performance may not be repeated. Banking products and services are distributed through Solutions Banking™ Solutions Banking products and services are provided by National Bank of Canada. ™ Solutions Banking is a trademark of Power Financial Corporation. Investors Group and design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations. National Bank of Canada is a licensed user of these trademarks. ™ Trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations. All information is believed to be accurate as of September 1, 2009 and is subject to change. "The strength and security of Investors Group" © Copyright Investors Group Inc. 2009 C3714 (09/2009-PW)