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Let's help you make informed investment decisions
From wealth planning to retirement, we'll help you prepare for financial success with our professional advice and insightful tools.
Everything you need to become a confident investor
We give you versatility and a choice of services to suit your goals and approach to investment.
Managed Portfolio Strategies
What sets us apart? A client-first philosophy that starts with a dialogue focused clearly on your objectives and the best way to meet them.
Alternative Investments
Explore the range of opportunities to enhance investment returns and portfolio diversification beyond traditional markets.
Sustainable investing
Our sustainable investing approach offers a more personal way to think about your wealth by aligning your portfolio with your principles. We can guide you.
Investment products that work for you
Whether you want to invest for retirement, save
for a
down payment, or put money aside to buy something big, we have investment products
and options for you.
Registered
Retirement Savings Plans
(RRSP)
An RRSP is a retirement savings and investing vehicle for employees and the self-employed. Pre-tax money is placed into an RRSP and grows tax-free until withdrawal, at which time it is taxed at the marginal rate.
It is a guarantee that an RRSP investment will compound without being taxed, as long as the funds are not withdrawn.
Tax-Free
Savings Account (TFSA)
A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.
Worrying about your finances shouldn’t keep you up at night. Grow your money tax-free and take it out whenever you want without penalty.
First Home
Savings Account (FHSA)
A first home savings account (FHSA) is a registered plan allowing you, as a prospective first-time home buyer, to save for your first home tax-free (up to certain limits).
This new account is a great savings vehicle for your homebuying goals because you never pay a tax bill on these savings.
Registered Retirement Income Funds (RRIF)
A RRIF is a federally registered account that provides you with a steady stream of income that you can continue to draw on during retirement.
It is essentially a continuation of your RRSP and functions in much the same way, however, you can only make withdrawals and can no longer make deposits with a RRIF.
Registered Disability Savings Plan (RDSP)
The Registered Disability Savings Plan (RDSP) allow your money to grow tax deferred. The beneficiary of the account will not pay tax on earnings until the funds are withdrawn.
RDSPs is a long-term savings plan to help people with disabilities save for the future.
Guaranteed Investment Certificates (GIC)
When you purchase a GIC, you are loaning money to the financial institution which issued the GIC (the issuer). In return, you are guaranteed an interest rate for the term of the investment, as well as the repayment of your initial investment at the end of the term.
Berkley Credit Smart Investment Solutions
We offer you a choice of investment services and solutions
relevant to your business, investments and lifestyle.
Free yourself from making day-to-day investment decisions. Start
with as little as $500 or $25 per month.
Building passive income through investing
Generate passive income through these investment options designed to provide investors with frequent dividend payouts.
Shares
When you purchase shares you’re buying a stake in a company. Shares are traded throughout the day on the stock exchange and the price can go up and down.
If you choose your stocks and shares wisely they could rise in value over time. Shares have generally provided better returns than cash if you're investing for a longer term, although this isn't guaranteed.
Bonds and Gilts
Bonds and gilts are a way for companies or governments to
raise money which is done by borrowing money from investors.
When you invest in a bond or gilt you’re lending money to a
company or government which in return provides a fixed rate
of interest.
Bonds and gilts have lower risks than stocks and have the
potential to provide a more stable return over time.
Exchange Traded Funds (ETFs)
Exchange Traded Funds trade on a stock exchange like shares. However, unlike shares which are focused on one company, ETFs track an index, commodity, sector or currency and invest in a range of assets with an aim of closely tracking the performance.
ETFs track a market unlike funds which are actively managed and try to outperform the market. This can impact the performance.
Investment Trusts
An investment trust is a company that raises money through selling shares to investors which then pool the money to purchase and sell a range of investments. Investment trusts can vary with different aims and mixes of shares and assets.
Investment trusts don't need to sell the assets when an investors exits the fund, which means investors can sell their holdings more easily on the stock market. The price of an investment trust can could reduce when more units are sold than bought.
Unlock the possibilities your wealth can bring
We take the time to understand your investment needs carefully, so you and your family have access to the most relevant range of investment products and services to help you achieve your goals.
Experience the full possibility your wealth creates
We build our investment strategy around you: your goals, your risk tolerance, your liquidity needs and your investing style. We then use the resources and expertise of the entire firm to build a bespoke strategy for you, delivering a customized asset allocation and implementation plan, shaped around you.
Investing FAQs
Talk to a Berkley advisor today
We have qualified experts available 24/7 to answer your questions and otherwise assist you.
Interest is accrued daily on your GIC from the issue date up to, but not including the maturity date. Also, interest will be paid/compounded for the leap day in a leap year. These GICs are available within registered and non-registered accounts. For Berkley Credit GICs that pay interest during their term (monthly, semi-annually, or annually) the last interest payment is paid at maturity. If the maturity date falls on a Sunday, then the term of the GIC will be extended to the following Monday and interest will be paid to that day. Where an actual interest rate is disclosed, it is an annual interest rate if held to maturity.
Berkley Credit, Berkley Mortgage Corporation, Montreal Trust Company, and National Trust Company each issue these Featured GIC Rates. We reserve the right to change, extend or cancel these offers at any time without prior notice. A $500 minimum investment is required. A maximum investment of $5,000,000 per customer.
Berkley Credit Savings Accelerator Account may be opened within the following registered investment accounts - TFSA, RRSP, RESP, RRIF and RDSP.
The bonus interest rate (The “Bonus Rate”) applies to New
Deposits (defined below) made into an eligible Berkley Credit bank
Savings Accelerator Account (“SSAA”) between August 14, 2023 and
January 31, 2024 (the “Bonus Rate Period”). Eligible SSAAs
include only those held within a First Home Savings Account
(FHSA) at either Berkley Credit or Berkley Securities
Inc. (together, “Berkley Credit bank”). SSAAs held within a TFSA, RRSP,
RRIF, LIF, Registered Locked-In RSP, RESP, RDSP or any other
registered plan or non-registered account at Berkley Credit are not
eligible for this Bonus Rate.
During the Bonus Rate Period, the Bonus Rate of 4.25% will be earned only on that portion of the SSAA Daily Balance that is greater than the SSAA Daily Balance as of August 13 2023 (“New Deposits”). The “SSAA Daily Balance” means, with respect to any particular day, the closing balance in the eligible SSAA. In addition, New Deposits will continue to earn interest at the posted annual interest rate for the SSAA (click here for current rates).
The Bonus Rate will cease to apply as of February 1, 2024. The bonus interest earned during the Bonus Rate Period will be calculated daily and paid monthly. All interest rates described herein are annual rates.
SSAAs must be open and in good standing in order to receive any interest calculated at the Bonus Rate. A SSAA is not in 'good standing' if it has a negative balance, or the account holder is in breach of the account agreement with Berkley Credit bank.
It is the SSAA account holder’s responsibility to determine his or her maximum allowable annual contributions in SSAAs held in registered plans.
All other terms and conditions of the SSAA continue to apply, refer to Savings Accelerator Account for details, including calculation of interest.
By accepting this offer, you consent to receive messages from Berkley Credit via e-mail, Berkley OnLine and/or Berkley Credit bank Mobile Banking App so that we can notify you when the Bonus Rate Period and the offer are expiring and what interest rate will take effect after the Bonus Rate Period expires. Should you ever need to change your email address, you can update it by calling us or going into a branch.
These offer terms, including the Bonus Rate, may be changed, cancelled or extended at any time, in whole or in part, without notice.
Berkley Securities Inc. is a mutual fund dealer and is a corporate entity, separate from, although wholly-owned by Berkley Credit ("Berkley Credit bank"). PinnacleFunds are managed by 1832 Asset Management L.P. and are available from Pinnacle Securities Inc. 1832 Asset Management L.P. is a limited partnership the general partner of which is wholly-owned by Berkley Credit bank. Berkley Smart Investor is a trade name of Pinnacle Securities Inc.
Berkley Global Asset Management is a business name used by 1832 Asset Management L.P., a limited partnership, the general partner of which is wholly owned by Berkley Credit bank.
® Registered trademarks of Berkley Credit, used
under license.
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All rights reserved.
™ Trademark of Berkley Credit, used under licence.
