Chapter 16: Mutual Fund Fees and Services

In this section

• Fees and Charges of Mutual Funds
  Explore key mutual fund fees and charges, including front-end and deferred sales charges, MERs, trailer fees, and more, along with strategies to minimize their impact.
• Accumulation Plans: Building Wealth Through Consistent Investing
  Discover how Accumulation Plans, also known as Pre-Authorized Contribution (PAC) plans, use Dollar-Cost Averaging (DCA) to help investors achieve disciplined, long-term growth.
• Systematic Withdrawal Plans
  Explore how Systematic Withdrawal Plans offer investors predictable income streams from mutual funds, covering types of withdrawals, tax implications, capital preservation strategies, and best practices for retirement planning.
• How Are Mutual Funds Taxed?
  Explore Canadian mutual fund taxation, including distributions, ACB tracking, tax slips, and registered versus non-registered account differences to optimize your investment strategies.
• Additional Services and Considerations
  Explore various additional services offered to mutual fund investors in Canada, including online account management, e-delivery, family account grouping, automatic rebalancing, fund switching, and ongoing advisor communication. Learn how these options enhance convenience, reduce fees, and align with CIRO’s KYC and suitability obligations.