Investing with Kindred


Buying your first home, starting a family, sending kids off to school, retiring. Each season brings new decisions and possibilities. Whatever comes next, you can move forward with confidence, with expert advice to help you make choices that reflect what matters most to you.


Book a Meeting

Create a financial plan to prepare for your life's big moments and accomplish your financial goals.

You have big dreams, we’ll help you get there.
  • blog-image-family-budget-16x9

    Investing for Your Family's Future

    As your life changes — getting married, starting a family, saving for your child’s education — so do your financial needs. Making the right investments at the right time can set you and your family up for future success. Kindred can help you prepare for the life stages to come.

    Build income for your family's needs
  • career-icon

    Investing Your Earnings

    Whether you are just starting or advancing in your career and want to start investing your earnings, or you want financial advice for paying for education or training, or managing income loss, we can help with everything you need to support your financial journey. 

    Make your money work for you
  • house-buying-couple16x9

    Investing for Buying a Home

    Buying a home is more than just an investment—it’s a milestone in life. Kindred can help you make the right financial choices as you grow your down payment so that you can achieve your goal of owning a home of your own faster.

    Increase your home purchasing funds
  • rainy-day-icon

    Saving for a Rainy Day

    Life is full of surprises. Some are joyful, while others such as a job loss, a burst pipe, or an urgent car repair – can cause financial stress. An emergency fund is a simple and effective way to prepare for the unexpected.

    Grow your emergency resources
  • retirement-icon

    Investing for Your Retirement

    Planning early, investing regularly, and diversifying are key to peace of mind, and it is never too late to get started. We can help setup your retirement plan, and work with you after retirement to ensure your income needs are met.

    Reach your retirement goals

Expert advice and the investment options you need to reach your financial goals.

Registered Savings Plans

These are accounts that are registered with the Canadian government. The associated immediate or long-term benefits can include tax savings, income management, added growth, and even grants. Take a look at the many options we offer to find out which plan might be right for you.

Learn more

GICs

When you buy a non-redeemable GIC, you agree to invest a certain amount of money for a set length of time (term) to benefit from a fixed interest rate. When your term is up, you can either cash in your GIC – and get your initial investment back plus interest – or renew your term and keep growing. We also offer a 1-year cashable GIC that allows for cashing out the investment with interest before the term is up. At Kindred, all of our GICs are validated as Socially Responsible Investments!

Learn more

Mutual Funds

The mutual funds concept is simple: a group of investors pools money together and a fund manager invests this money in return for a management fee. Every mutual fund unit represents an investment in a variety of securities that could include stocks, bonds, cash, and other securities.

Learn more

Investment Shares

Investment Shares are Class B shares that allow members to invest directly in Kindred Credit Union. Unlike a deposit such as a GIC, when you purchase Investment Shares, your investment becomes part of Kindred’s capital, helping strengthen your credit union and support its long-term growth. In return, Investment Shares have the potential to earn an attractive annual dividend, while offering another low-risk way to diversify your investment portfolio and invest in the cooperative you own.

Learn More

Responsible Investing

Soially Responsible Investing is about using investments to build a more economically, socially, and environmentally sustainable world. 

We thoroughly screen companies to ensure they follow business practices that fit our values. We offer a full line of values-based investment options including GICs and mutual funds. Now there’s no reason not to put your money where your values are.

Learn More

Savings Accounts

Our Kindred savings accounts make it easy to save your money.

We offer all the features you’d expect, including values-centred banking!

Check out the various account options we offer to find the savings account that works best for your needs.

Learn More

Aviso_Wealth_logo_RGB_E_colourOnline brokerage services are offered through Qtrade Direct Investing. Mutual funds and other securities are offered through Aviso Wealth. Qtrade Direct Investing, Qtrade Guided Portfolios, and Aviso Wealth are divisions of Aviso Financial Inc.

Advice that grows with you

Wherever you are in your investing journey, you can get advice that reflects your goals, your values, and what matters to you. Choose the option that best fits where you are today.

Starting to Invest

Expert Advice

Whether you’re beginning your career, starting a family, or simply ready to put your savings to work, you can start with advice that makes investing easier to understand.

A good fit if you’re new to investing or looking for broader financial guidance.

Meet with Us

Starting to Invest

  • Get straightforward advice to help you understand your options and make informed decisions
  • Explore mutual funds* and term deposits, including socially responsible investment options
  • Build a financial plan that can adapt as your life, priorities, and goals change

Meet with Us

Growing Your Investments

Wealth Planning

As your savings grow, your financial plan can grow with you. Get personalized advice to help you prepare for what’s next, from changing family needs to retirement.

A good fit for investment portfolios of $100,000 to $500,000.

Meet with Us

Growing Your Investments

  • Get personalized planning based on your goals, priorities, and life events
  • Explore a broader range of investment options, including mutual funds,* low-cost ETFs,* tax-efficient options, and fixed-income investments
  • Review your existing investments or get a second perspective on your portfolio

Meet with Us

More Complex Financial Needs

Wealth Planning

When your finances become more complex, thoughtful planning can help bring the different pieces together, from investing and retirement to tax and estate considerations.

A good fit for investment portfolios of $500,000 or more.

Meet with Us

More Complex Financial Needs

  • Get personalized wealth planning designed around your financial goals and priorities
  • Explore strategies to manage your investments and make informed, tax-efficient decisions
  • Access a broad range of investment solutions, including actively managed pooled funds* offering additional diversification and pricing options

Meet with Us

DIY Investing

Invest Your Way

Put your money to work your way with powerful solutions for managing your income and building wealth. Self-directed investing gives you the freedom and flexibility to choose investments that align with your goals.

A good fit if you prefer to invest online, whether you're making your own decisions or looking for automated investment management.

DIY Investing

DIY Investing

  • Take control of your investments with Qtrade Direct Investing, using research tools and resources to make informed decisions
  • Explore stocks, ETFs, mutual funds, and other investment options, including responsible investing choices
  • Choose Qtrade Guided Portfolios for professionally managed investments tailored to your goals and risk tolerance, with automatic monitoring and rebalancing

DIY Investing

Aviso_Wealth_logo_RGB_E_colourOnline brokerage services are offered through Qtrade Direct Investing. Mutual funds and other securities are offered through Aviso Wealth. Qtrade Direct Investing, Qtrade Guided Portfolios, and Aviso Wealth are divisions of Aviso Financial Inc.

Registered plans are tax-friendly accounts to help you set aside money for your future.


Meet with a member of our Wealth and Investment Team to start your financial plan today.

Meet with Us

How do Registered Plans work?

These are accounts that are registered with the Canadian government. The associated immediate or long-term benefits can include tax savings, income management, added growth, and even grants. Take a look at the options below to find out which plan might be right for you.

TFSA

A Tax Free Savings Account is a flexible, registered general-purpose savings account that allows Canadian residents to earn tax-free investment income to more easily meet their needs at any stage of life.

While there is a contribution limit for TFSA accounts and TFSAs are not tax-deductible for income tax purposes, any investment income or capital gains earned in the account is tax-free even when it is withdrawn.

Learn More

RRSP

A Retirement Savings Plan allows you to save money for retirement while lowering the income tax you owe today. Contributions are deducted from your annual income to reduce the amount of income tax you must pay for that year.

Careful planning is key to maximizing the benefit of an RRSP.

Learn More

RRIF

A Retirement Income Fund provides a source of income throughout your retirement.

You’ve saved throughout your working life, now it’s time to reap the rewards! In collaboration with your Kindred Wealth and Investment Team, you can determine how to set up your RRIF to create a regular income stream.

Learn More

FHSA

The First Home Savings Account is a registered savings account that offers the benefits of both tax deductions on your contributions and non-taxable earnings on your savings!

Learn More

RESP

A Registered Education Savings Plan (RESP) is an education investment plan that allows you to accumulate money in an investment portfolio for a child’s post-secondary education. You can place your RESP investment in mutual funds, GICs, and more.

You can also access government grants when you have an RESP.

Learn More

RDSP

A Disability Savings Plan helps parents and others save for the long-term financial security of a person who is eligible for the Disability Tax Credit. Contributions can be made until the end of the year in which the beneficiary turns 59 and are eligible for grants such as the Disability Savings Grant. RDSP contributions are not tax-deductible.

Learn More

Interactive Calculators

Use these calculators to help you understand your choices, project outcomes, and make informed financial decisions.

RRSP
Use the RRSP Calculator to estimate your retirement savings needs.

RRSP Calculator
RRIF
The RRIF Calculator can help estimate your income in retirement.

RRIF Calculator
TFSA
See how your savings can increase with a tax-free savings account.

TFSA Calculator
FSRA: Financial Services Regulatory Authority of Ontario


At Kindred Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits not in registered accounts are insured up to $250,000 through FSRA. Learn more about deposit insurance.

 

Ready to start investing?

From starting to plan your financial future, to building your wealth, and managing your investments, we're here for all your Investment and wealth management needs.

 

Meet with Us
Kindred-financial-advice-Elmira-24
kindred-grey-arrow-down
kindred-orange-arrow-right