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Jeff (Jaafer) Gareau,
B.A., I.R.Econ.

Financial Advisor/Dealing Representative,
NO INTEREST Investments
Global Maxfin Investments Inc.

 
 
 
   
   

Disclaimer

 

  • Dual-Branding Disclaimer:

Global Maxfin Investments Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada (MFDA), Global Maxfin Investments Inc. is obligated to disclose to you that you may be dealing with companies other than Global Maxfin Investments Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Global Maxfin Investments Inc.:

  • Deposit Instruments: GICs, Canada Savings Bonds (not applicable for our clients);
  • Fee for Service Financial Planning (not applicable for our clients);
  • Estate Planning;
  • Tax Planning or Income Tax Preparation;
  • Insurance: Life, Accident, Sickness, Disability, General (not applicable for our clients).

Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.

  • Website/Canadian Residency Disclaimer:

 

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdictions or in any Canadian jurisdiction where Jeff (Jaafer) Gareau or Associates are not duly licensed to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.

  • Link Disclaimer: Link to Third Party Website:

 

Jeff (Jaafer) Gareau and Global Maxfin Investments Inc. (Global) do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Jeff (Jaafer) Gareau or Global. The information in this communication is subject to change without notice.

  • Mutual Funds (no performance data):

 

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Mutual funds are not covered by the Canadian Deposit Insurance Corporation.

  • Money Market (no performance data):

 

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount on your investment in the fund will be returned to you. Past performance may not be repeated.

  • Income Trust Mutual Fund:

 

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The payment of distributions should not be confused with a fund's performance, rate of return, or yield. If distributions paid by the fund are greater than the performance of the fund, then your original investment will shrink. Distributions paid as a result of capital gains realized by a fund and income and dividends earned by a fund are taxable in your hands in the year they are paid. Your adjusted cost base will be reduced by the amount of any returns of capital. If your adjusted cost base goes below zero, then you will have to pay capital gains tax on the amount below zero. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

  • Labour-Sponsored Investment Funds (LSIFs):

 

Commissions, trailing commissions, management fees and expenses all may be associated with investments in labour-sponsored investment funds (LSIFs). Please read the prospectus before investing. Labour-sponsored investment funds (LSIFs) are not guaranteed their value changes frequently and past performance may not be repeated. Availability and amounts of tax credits are subject to certain conditions and limitations and are subject to repayment if shares are not held for eight years.

  • Mutual Funds with Performance Data:

 

All returns are historical annual compounded total returns as at [month, day, year] including changes in unit value and distributions reinvested. Returns do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Before investing, read the [insert fund company name]’s simplified prospectus. Obtain a copy from your Financial Advisor. Note: The standard performance data must be calculated for the 10, 5, 3 and 1 year periods and the period since the inception of the mutual fund if the mutual fund has been offering securities by way of simplified prospectus for more than one and less than 10 years; and end on the same calendar month end that is not more than 45 days before the date of the appearance or use of the advertisement in which it is included, and not more than three months before the date of first publication of any other sales communication in which it is included.

  • Money Market with Performance Data:

 

Commission, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The performance data provided assumes reinvestment of distributions only an does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated. You must include the following statement immediately following performance data: This is an annualized historical yield based on the seven day period ended on [date] [annualized in the case of effective yield by compounding the seven day return] and does not represent an actual one year return. Note: The standard performance data must be calculated for the most recent seven day period for which it is practicable to calculate, taking into account publication deadlines; and the seven day period cannot start more than 45 days before the date of the appearance, use or publication of the sales communication.

  • Flow-Through Shares Disclaimer:

 

There are a number of risks associated with an investment. Investors should refer to each Partnership’s prospectus for details. Important information about his offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should obtain the prospectus carefully, and consult your advisors, including tax advisors, before making an investment decision. This material does not constitute an offer to sell or a solicitation to buy any security. Such an offer can only be made by prospectus.

  • Borrowed Money (Leverage) Disclaimers (Not applicable to my clients as we do not borrow):

 

Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.

  • Opinion Disclaimer:

 

This publication contains opinions of the writer and may not reflect opinions or Global Maxfin Investments Inc. The information contained herein was obtained from sources believed to reliable, but no representation, or warranty, express or implied, is made by the writer or Global Maxfin Investments Inc. or any other person as to its accuracy, completeness or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisors for advice based on your specific circumstances.

  • Market Commentary:

 

This publication is solely the work of Jeff (Jaafer) Gareau and any associates for the private information of his/her clients. Although the author is a Global Maxfin Investments Inc. Advisor, he/she is not a financial analyst at Global Maxfin Investments Inc., (Global). This is not an official publication of Global. The views, opinions and recommendations are those of the author alone and they may not necessarily be those of Global. This publication is not an offer to sell or a solicitation of an offer to buy any securities. This publication is not meant to provide legal, accounting or account advice; as each situation is different, you should seek advice based on your specific circumstances. Please call to arrange for an appointment. The information contained herein was obtained from sources believed to be reliable; however, the writer or Global or any other person as to its accuracy, completeness or correctness makes no representation or warranty, express or implied.

  • Opinion Disclaimer/Article Disclaimer:

 

The opinions expressed are those of the author and may not necessarily reflect those of Global Maxfin Investments Inc.

  • Calculators & Rate of Return Disclaimer:

 

This calculator is for illustrative purposes only and should not be relied upon, as an accurate indication of your financial retirement needs. As each individual’s situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. I (we) do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer. Rate of Return: [The rate of return or mathematical table shown] is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of [the mutual fund or asset allocation service] or returns on investment [in the mutual fund or from the use of the asset allocation service].

  • Illustration Disclaimer:

 

The rate of return is used only to illustrate the effects of compound growth and is not intended to reflect future value of the mutual fund or returns on investment in the mutual fund.

  • Suitability Disclaimer:

 

This material is not to be construed as an offer or solicitation. The securities mentioned may not be necessarily considered to be suitable investments for all clients. Contact your investment advisor to discuss your individual investment needs.

  • E-mail Disclaimer:

 

E-mail over the internet is not a secure medium and privacy cannot be guaranteed. Jeff (Jaafer) Gareau and GMII cannot accept any responsibility for any harm or damage incurred as a result of sending personal or confidential information to Jeff (Jaafer) Gareau or GMII over the internet, or if information is sent over the internet at your request.