ACU - Wealth Management and Investing Services

Grow your money your way by choosing the investment approach that is right for you, whether you prefer a complete wealth management solution, strategies focused on safeguarding your financial future, or a low-cost digital option.

Through our various partnerships, ACU offers access to a full range of investment options, retirement planning strategies, risk management solutions—and our personalized approach to financial and wealth planning—you can do more with your money.

As a credit union committed to socially responsible investing, we help you invest in ways that support strong communities, environmental sustainability and long‑term prosperity. With ACU, you can grow your money while staying true to what you believe in.

Choose the investing path that fits you

ACU Wealth Management

Whether you’re a seasoned investor or just starting out, Aviso Wealth and ACU Wealth Advisors are here to help you plan for the future, with a broad range of investment options and expert guidance tailored to your needs, goals and values.

Key features:

Investment planning tailored to your lifestyle, current and future goals
Personalized, local advice from Manitoba-based certified wealth advisors
Investment management, including a wide range of plans and a full suite of product choices
Financial health check-ups
Retirement planning solutions

Learn more about ACU Wealth Management

ACU Wealth Strategies

The ACU Wealth Strategies team specializes in growing your wealth and safeguarding your financial future with risk management solutions. Our wealth and insurance advisors work with you to develop your ideal financial protection strategy and integrate it into your retirement planning, estate planning and overall long‑term financial well‑being, giving you peace of mind!

Key features:

Risk protection solutions to minimize the financial impact of loss, injury or illness and protect your loved ones, your business and your quality of life
Estate, legacy and tax planning strategies
Financial strategy tailored to your lifestyle, current and future goals
Investment management, including a wide range of plans and a full suite of product choices through Aviso Wealth
Planning for retirement

Learn more about ACU Wealth Strategies

Online investing

Online investing solutions are the ideal option for tech-savvy investors, offering convenience and exceptional value.

Invest your way when you manage your own portfolio through our online brokerage partner Qtrade Direct Investing®. Choose from a wide range of products including stocks, ETFs, mutual funds, bonds and GICs.

Or, with Qtrade Guided Portfolios®, benefit from a hands-off approach with a low-cost, professionally managed portfolio that matches your goals and risk tolerance.

Key features:

Fast, friendly and knowledgeable support
Industry-leading apps to manage your investments on the go
Online investing and research tools

Learn more about online investing

Socially responsible investing (SRI), also known as ethical investing, makes a difference and helps bring about positive change in the world.

Our SRI investment dealer and mutual funds dealer, Aviso Wealth, partners with several proven fund companies that employ a number of proven SRI investment strategies:

ESG analysis: Evaluating environmental, social, and governance factors to inform investment decisions.
Shareholder engagement and action: Actively influencing corporate behavior through shareholder voting and dialogue.
Sustainable shared value creation: Investing in companies that generate economic value in a way that also produces value for society.
Negative screening: Excluding investments in industries or companies that do not meet certain ethical standards.
Community Investing: Directing capital to communities underserved by traditional financial services.

Products

Explore the benefits of our diverse range of investment accounts and choose from a broad range of products and plans to help you reach your goals.

Mutual funds

Through Aviso Wealth access professionally managed mutual fund options with diversified investments to meet your needs and match your values, including socially responsible options. It’s never too early—and easier than you might think—to launch your investment strategy.

Learn more about mutual funds

Guaranteed Investment Certificates (GICs)

A secure investment option with guaranteed interest growth. With a GIC, your original investment and interest are 100% guaranteed. Flexible investment term lengths from 30 days to five years. Competitive interest rates are guaranteed for the full term of your investment.

Learn more about GICs at ACU

Socially responsible investing

Invest your money and do good for others. Whether in-branch, through our Manitoba-based Aviso Wealth advisors or online through Qtrade Direct Investing, let your investments reflect your values by choosing from our portfolio of socially responsible investment vehicles and products.

Plans

Explore the benefits of our diverse range of investment accounts and choose from a broad range of products and plans to help you reach your goals.

First Home Savings Account (FHSA)

Save for the down payment on your first home, tax-free! Contributions are tax-deductible and withdrawals are tax-free, meaning you won’t pay tax on any interest, dividends or capital gains your investment earns.

Learn more about ACU's FHSA

Registered Education Savings Plan (RESP)

Save for a child’s post-secondary education with GICs, mutual funds and other investments—with the federal government matching 20% of your contributions!

Learn more about ACU's RESP

Tax-Free Savings Account (TFSA)

Set money aside, watch it grow, and withdraw funds free of tax. TFSAs are a great fit for your goals, investment and savings options.

Learn more about ACU's TFSA

Registered Retirement Savings Plan (RRSP)

Save for retirement with a plan that fits your goals. Contributions are tax-deductible and you don’t pay tax on any interest, dividends or capital gains earned inside your RRSP until you begin to draw from them in retirement. If you’ve earned income and filed a tax return in Canada, you’re eligible to contribute!

Learn more about ACU's RRSP

Registered Retirement Income Fund (RRIF)

Manage your RRSP savings after retirement with the RRIF. Starting by December 31 of the year you turn 72, withdraw as much as you need from your RRIF annually while your balance remains tax-sheltered and continues to grow.

Learn more about ACU's RRIF

Registered Disability Savings Plan (RDSP)

A savings plan to help safeguard the long-term financial security of persons who are eligible for the disability tax credit (DTC). RDSP holders benefit from matched contributions from the federal government and deferred taxes on investment income and capital gains.

Learn more about ACU's RDSP

Your questions answered

Does ACU offer investment planning to help me meet my goals?

Whether you’re looking for ways to plan for retirement or save for your first home, our in-branch financial advisors are here to make sure your investments are working for you. Through a financial health check-up, we’ll talk through your goals and recommend the products to help get you there.

For members looking for more in-depth wealth management services, our team of ACU and Aviso Wealth advisors offer a more personalized, complete approach to financial planning, including investment management, estate and tax planning and retirement strategies.

Can I access a full suite of investment options through ACU and Aviso Wealth?

Yes! Your ACU and Aviso Wealth advisor can help you explore a wide range of product choices, including mutual funds, equities, bonds, ETFs and GICs, to find the options that best suit your needs.

ACU wealth management advisors have the Responsible Investment Specialist (RIS) designation, which means they can also offer members a heavily vetted portfolio of socially responsible investment vehicles and products—and they have a deep understanding of the markets.

For do-it-yourself trading options, buy and sell stocks, bonds, ETFs and mutual funds through our online brokerage partner, Qtrade Direct Investing® or access Qtrade Guided Portfolios®, an easy-to-use automated solution.

I’m not sure which investment path is the best fit for me. How can I figure this out?

Visit our ways to invest page for more information on how each investment path can help you achieve your goals. You can also contact us, our advisors would be happy to discuss your options and answer any questions!

Ready to grow your wealth your way?

Our wealth advisors are here to help you take the next step. At ACU, we offer financial guidance rooted in integrity, community, and a commitment to people and the planet. Let’s talk about the investment approach that's right for you.

Book an appointment

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial 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 fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.

Insurance products are offered through ACU Wealth Strategies, a wholly-owned subsidiary of Assiniboine Credit Union Limited. ACU Wealth Strategies is a licensed life insurance agency offering financial planning, life insurance and investments. All insurance products are subject to the limitations, terms and conditions in the applicable policy or insurance contract in force at the time of purchase or enrollment and applicable legislation. The products sold through ACU Wealth Strategies are not guaranteed or insured by a deposit insurer.

Grow your wealth with expert advice and investment solutions.