Investing

When you invest your money, you want to know your investment is safe and secure, that your funds are working hard for you and that you'll be getting an excellent rate of return. When you invest at Lambton Financial, you get all that and more. You get the good feeling that comes with knowing your money is doing great things right here in your community.

Financial Planning is the process of meeting your life goals and business goals through proper management of your finances and assets. To serve you best, Lambton Financial employs the services of Certified Financial Planners and consultation is free to all members.

It's never too early or too late to start planning. Contact Us to book your appointment today!

AgriInvest

AgriInvest helps manage small income declines and supports investments to mitigate risks or improve market income.

  • Double your investment with matched government contributions
  • High interest savings rate paid on daily closing balances
  • No account fees or service charges
  • To open your AgriInvest account, speak with a financial representative today!

To learn more about AgriInvest visit Agriculture and Agri-Food Canada.

Term Deposits

  • Highly competitive interest rates
  • Terms of less than 1 year - minimum $1,000 deposit
  • Terms of  1 year to 5 years - minimum $500 deposit
  • Available for regular and registered plan deposits
  • Canadian dollar deposits insured up to $100,000 by the Deposit Insurance Corporation of Ontario

Mutual Funds

  

Through our partnership with Credential Asset Management Inc., Lambton Financial offers members access to a wide range of high-performing mutual funds for their RRSPs, RRIFs and RESPs as well as non-registered investment plans. 

Credential Asset Management Inc. is the national credit union system’s mutual fund dealer and offers mutual funds from leading fund companies such as AIM Trimark, Fidelity Investments, Franklin Templeton, Mackenzie and The Ethical Funds Company®, Canada’s most comprehensive family of socially responsible mutual funds.

Open the Door to Investing

  • Lambton Financial members have access to highly trained and committed Credential Asset Management Mutual Funds Investment Specialists that will explain all options available
  • Consultation services and the creation of a customized portfolio are FREE
  • Mutual Funds Investment Specialists will work hard to provide you with the best possible plan portfolio
  • Access to over 1,200 different funds from over 70 recognized mutual fund companies, including Fidelity, Templeton and Mackenzie
  • Ethical Funds® can help you align your investments with your personal values by investing in mutual funds whose portfolio of companies must meet tough baseline standards in the way they do business

We take the time to know you, your circumstances and your financial objectives before recommending any investments to you.  There may be easier ways to recommend investments but we believe in taking the time to get it right.

Welcome to Univeris Investor Web

Univeris Investor Web (UIW) is the gateway to your investments on-line, 24 hours a day; 7 days a week, providing not only the values of your investments, but also providing other services such as non-financial information, monthly instructions, Know-Your-Client information and links to other sites like Globe Advisor and fund company sites. 

Contact your branch to arrange access.  It is required that you agree to and sign an Electronic Access Agreement to protect your privacy and ensure confidentiality.  Once that is completed we will issue you a User ID and Password.  Contact your branch for further information.

https://mps.credential.com/uiw

Find out More

RRSPs

Registered Retirement Savings Plan

An RRSP is a government-approved plan through which you may save money for your retirement years. Your contributions, within limits, are tax deductible and the income earned is tax-sheltered.

  • Tax deferred, tax sheltered savings plan used primarily to save for retirement
  • Funds may be used under certain conditions to purchase a home and to continue life long learning initiatives
  • Variety of deposit options available including payroll deduction and direct deposit
  • Our registered funds are administered by Concentra Trust

Investment Options

  • Variable rate savings account - interest is calculated on the minimum daily balance and paid quarterly
  • Term certificates ranging from 1 to 5 years also offered
  • Mutual Funds*

TFSA

  • Enables taxpayers to earn investment income, tax free within the account
  • Contributions are not tax deductible; withdrawals and earnings are not taxable
  • Participants must be Canadian residents, 18 years of age or older with a valid Social Insurance Number
  • Current maximum contribution limit is $5,000 per year
  • Canada Revenue Agency  will determine the contribution room for each eligible individual who files an annual tax return and the amount will be listed on an individual’s CRA Notice of Assessment
  • Our tax free savings accounts are administered by Concentra Trust
    Investment Options
  • Variable rate savings account - interest is calculated on the minimum daily balance and paid quarterly
  • Term certificates ranging from 1 to 5 years also offered
  • Mutual Funds*

Financial Planning

Financial Planning is the process of meeting your life and business goals through the proper management of your finances and assets. We have the staff and knowledge to help you with your Financial Planning today.

Contact our London Road location at 519.542.9059 to set up your free consultation or            Click Here to book an appointment now.


Tax Free Savings Accounts and RRSPs are insured up to the full amount. For further information on deposit insurance coverage, please ask for a brochure at the credit union, call DICO at 1.800.268.6653 or visit their website at www.dico.com.

*Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. ® Ethical Funds® are available only to Canadian residents.

® Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence.

® Credential is a registered mark owned by Credential Financial Inc. and is used under licence.

 

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