Jf broker

If you are looking to buy your first home, remortgage an existing property, want a new mortgage, family protection or just want to review what you already have to try make it cheaper, as an experienced mortgage advisor in norwich offering national coverage, we will be more than happy to help you.

Real forex bonuses

Mortgage Broker In Norwich Offering Advice Nationwide, jf broker.

If you need help finding life insurance, critical illness insurance or income protection insurance, or if your premiums were increased after underwriting or worse turned down altogether, then you’ve come to the right place.

Mortgage broker in norwich offering advice nationwide.

Insurance and protection

Mortgages

If you are an experienced buyer or purchasing for the first time, just looking to re-mortgage your property, we can help find a solution. People do not want to be sold a mortgage, they want to talk about a mortgage; it’s all about relationships!

Your home may be repossessed if you do not keep up repayments on your mortgage.

Retirement planning

One of the biggest goals in life is a happy, comfortable retirement. At whatever age you plan to stop working, you will want to ensure you have enough money to go with your newfound freedom.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Investments

Lifetime wealth management offer you the experience, quality and flexibility you need to look forward with confidence to building a long-term investment strategy.

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

"very helpful throughout the remortgage process and very good at explaining everything in simplified terms we could relate to and not just financial jargon."

mr B & miss P - sussex

Thank you very much for all your hard work obtaining our first mortgage, which was so difficult to get providing our limited finances! Your assistance has been invaluable, and we would have never achieved this without you! We would have no hesitation in using your services again or, indeed, in recommending you to anyone who requires services of a mortgage & insurance specialist.

Mr & mrs M. - epsom

This was from a client we have been working with for over 7 years now: "many thanks for all your hard work and effort to obtain our mortgage offer! I can't tell you how it feels for us to have gone from having nearly 100k of debt and a 'hopeless case' to getting a high street mortgage (in less than 7 years!)

mr & mrs P - cornwall

Justin was recommend by my bother who had his mortgage arranged with him a couple of years before. The set up process was very easy, justin got me on the phone, found out my needs and financial details and then came back a couple of days later with three options for me to pick from. After than things went smoothly, justin and his team were VERY helpful, they even helped fix a couple of problems caused by my solicitors. On the day of completion justin was on the phone making sure everything was fine as were his team. I felt very well looked after and even decided to arrange extra life cover with justin.

Lucas B

We have been a client of JF financial for almost 9 years. Justin goes above and beyond to ensure everything runs smoothly. The service this company provides is 5 star. Would 100% recommend JF financial.

Sarah C

Knowing justin is a blessing, I had couple of re mortgage with jfinancial. Very friendly & stress free service, justin always look after all small details before the application. Hassel free , as long you have all uptodate documents. Great service. Just talking to him is a great pleasure.

Abul C

I would like to thank justin from J F financial for his extremely professional service. After my recent stage one interview which was to understand all aspects of my financial position he was able to tell me more about my finances than I knew myself. Justin gave me clear, decisive advice which enabled me to put things in place to secure future financial stability. I initially went to justin to see if he was able to help secure an acceptable rate on the re-mortgage of my property as it had come to the end of its term and slipped into variable rate. This was something that I did not think was possible in today’s current financial market. Justin not only matched my existing interest rate but secured this rate for the next 5 years. From stage one to completion of the mortgage I found this to be a very smoothly run and professional service and would not hesitate with recommending justin from J F financial to any of my family or contacts in the future.

John C

Just thought would drop you a quick line to say thank you for all your help with helping us along the process of buying our flat. We are all settled in now and loving it!! I will highly recommend you to all my friends, as it was a pleasure dealing with you and you made the whole process a lot less stressful. Once again many thanks for all your help and your useful knowledge.

Miss M & mr D - middlesex

Thank you very much for your help, it’s a pleasure dealing with you and will definitely recommend you to my family and friends. Easy remortgage with no hassle. Thanks again.

Mr & mrs W - leeds

This was a big help in meeting all my needs, very helpful and professional

mr P - west midlands

5 star service. Could not recommend JF financial highly enough. Justin assisted us throughout the whole house buying/selling process. He made one of the most stressful processes in life easy and hassle free. Was always available for any advice, even out of office hours! Would never look elsewhere for any financial advice in the future.

Joe W

We have just completed on our 2nd mortgage arranged by justin. We wouldn’t consider going to anyone else as JF financial associates are friendly, professional and determined to find the best mortgage for our ever evolving needs. Justin is able to explain the whole process in an understandable way, making sure you are fully aware the next stage of the process. I have no hesitation in recommending their services. Mr & mrs wallis. West sussex.

Tina W

JF financial associates is a trading style of lifetime wealth management limited which is an appointed representative of quilter financial services limited and quilter mortgage planning limited, which are authorised and regulated by the financial conduct authority. Lifetime wealth management limited. Registered in england and wales under company number – 04631136. Registered office address – 12-14 upper marlborough road, st. Albans, hertfordshire, AL1 3UR

Cedar close, mattishall, dereham, norfolk, NR20 3NW

Jf broker

Welcome

JF securities co pvt ltd is pleased to welcome you all aboard in our website. We are one of the pioneer stock broker companies of nepal stock exchange (NEPSE) licensed by nepal securities board.

Previous few years have been phenomenal for nepalese stock market as it witnessed major transformation from manual system to digital. Online trading system, central depository system, C-ASBA are the major backbone of the today's capital market in the country. NEPSE online trading system (NOTS) enabled online trading system that allowed investors/traders to buy and sell securities online on their own through trade management system (TMS) made available by stock brokers. Through connectips of nepal clearing house limited (NCHL) investors/traders settle all their purchase bills online. CDS & clearing ltd (CDS) manages central depository for securities listed with NEPSE where all the listed securities have been de-materialized. Demat accounts are opened at stock broker companies, merchant banking companies and banks and financial institutions. CDS have brought 'mero share' online portal from where demat account holders can access their demat account online 24X7X365. 'mero share' also allows demat account holders to issue electronic debit instruction slip (EDIS) to settle all their sold securities. Likewise, demat account holders can apply for ipos and fpos through mero share under C-ASBA. So, gone are the days for rushing to IPO/FPO centers to apply ipos and fpos. All bought shares are transferred to demat accounts by next five days. Hassles of waiting for months and months to get 'name transferred' of bought shares are history now.

Still many changes are in the offing. Hence, better days are ahead.

Mortgage broker in norwich offering advice nationwide.

Insurance and protection

Mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage.

Retirement planning

One of the biggest goals in life is a happy, comfortable retirement. At whatever age you plan to stop working, you will want to ensure you have enough money to go with your newfound freedom.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Investments

Lifetime wealth management offer you the experience, quality and flexibility you need to look forward with confidence to building a long-term investment strategy.

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

"very helpful throughout the remortgage process and very good at explaining everything in simplified terms we could relate to and not just financial jargon."

mr B & miss P - sussex

Mr & mrs M. - epsom

mr & mrs P - cornwall

Lucas B

Sarah C

Abul C

John C

Miss M & mr D - middlesex

Thank you very much for your help, it’s a pleasure dealing with you and will definitely recommend you to my family and friends. Easy remortgage with no hassle. Thanks again.

Mr & mrs W - leeds

This was a big help in meeting all my needs, very helpful and professional

mr P - west midlands

Joe W

Tina W

Cedar close, mattishall, dereham, norfolk, NR20 3NW

Jf broker

Chinvest17 from mypf.My:
trading bracket order features (i.E. Stop limit, take profit)
jupiter securities
RHB investment bank
malacca securities (M+)

Stop loss order vs stop limit order
stop loss order and stop limit order are features that help automate an order once it reaches a certain price. There is a key difference between stop loss and stop limit. If a stop loss is triggered, a market order is placed (where the stock will be sold at market price – which may be higher/lower than the stop loss). If a stop limit is triggered, a limit order is placed (stock sold when the price level is reached). Do note that if the market gaps down below your stop limit, your stop limit will not trigger.

Bill77 from experience: STAY AWAY from TA securities. If you don't know/don't ask, TA starts you off with the highest fees (0.7% or RM40!) - UNLESS you do your homework and ask why you're paying so much compared to other firms. Then like magic, your remisier will tell you brokerage fees are negotiable. Mine lowered it to 0.6%. My remisier has never been proactive. Neither has he assisted me once throughout my years with them, including my online trading access setup, how to use, etc. Perhaps because I'm not an active trader.
But the final straw came when I decided to call their office directly (bypassing my remisier) and found out they have an 'online traders discount' - 0.4% or RM 28! When I forwarded this info to my remisier and asked for an explanation - he went silent!
It was clear to me my remisier was acting in his best interest - not mine. I also did not appreciate TA's dodgy approach to fees. Never upfront unless you prod and swerve. When I asked TA management what action would be taken, they said my remisier was apologetic, that it had been a busy last few weeks in the stock market, and he was 'reminded' not to neglect clients in future.

Horrible experience. Looking to switch to either maybank or rakuten

Mrborneo26 im use rakuten and mplus right now.

If u have rm1000 below,.Use rakuten (just rm7 brokerage fee) is easy to make your profit.
I u have rm1000 and above till RM50K, use mplus (just rm8 brokerage fee).

Use my rakuten refferal : 14f18tgbps
* u get 500 rtpoints free

Im use both broker ( rakuten and mplus )

If u have rm1000 below,.Use rakuten (just rm7 brokerage fee) is easy to make your profit.
I u have rm1000 and above till RM50K, use mplus (just rm8 brokerage fee).

RAKUTEN and MPLUS direct account = only can buy/sell stock market in MALAYSIA.

Rakuten
- open account (online) - u get your account around 2 hours.
- account - nominee account (cannot buy IPO)
- come with (apps/web) -can buy/sell with your phone or laptop/pc
- feature : supports stop limit and good till date (GTD) order.
Fast deposit (fpx- all bank in malaysia)
withdrawal money (mon-friday/9am-3pm)
chart/ stock screener/ market live/news and report.
Transaction history.

*no remisier (if u have problem just email/call) they will reply ASAP.
*no shariah mark (share->main market/ace market)..
*no colour share (no colour to know -> main market/ace market)
*not have (trade details)
*have 5 market depth
*have point(rtpoint)- buy/sell stock market will get rtpoint -> can redeem airasia flight/bonuslink/B infinite/bitcoin,ethereum,or ripple(promo2020)
*receive dividen to rakuten account.
*have telegram ( update daily market report evry day)

Mplus
- open account (online) but all your document(IC/pay slip) must post manual to that broker. U waiting for approved around 2 weeks till 1 months.
-account - direct account (can buy IPO)
-come with (apps/web) -can buy/sell with your phone or laptop/pc
-feature : supports stop limit, cut loss, good till date (GTD) order.
-fast deposit rm 1000 and above(fpx- all bank in malaysia),,(manual) deposit below RM1000(resit/scrensht)and take time to update at your CDS aacount.
- withdrawal money (mon-friday/9am-4pm)
- live chart(web)/ market live/news and report/supports all indicator.
- transaction history

*have remisier (if u have problem just email/call/telegram) they will reply ASAP.
*have shariah mark (share->main market/ace market) support at the (phone/web)
*have colour share (have colour to know -> main market/ace market) support at the (phone/web)
*have(trade details)- u know transaction buy/sell/volume start open market till close market
*just 3 market depth..If u want 5 market depth, u must buy stock in 1 month, and ask to remisier to active 5 market depth..In case u not buy the stock in 1 month(market depth will expird and u just get 3 market depth).
*no point(rtpoint)
*receive dividen (direct to account bank).

So far, so good both this broker(rakuten and mplus)..Im used rakuten with my phone to make transaction buy/sell. At the same time, im used mplus(web) to moniter the chart.

I like rakuten (apps)- is easy and FAST to buy/sell/deposit and withdraw money .
I like mplus (web) - support live chart/full indicator/ easy to do technical analysis and FA.

Use my rakuten refferal : 14f18tgbps
*u get 500 rtpoints free

Why jarislowsky fraser?

Jarislowsky fraser's 60+ years of proven fundamental research and investing is available through mutual funds to a broad spectrum of investors.

For decades, jarislowsky fraser's research and investment insights have helped institutional investors and affluent individuals turn market opportunity into investment performance.

With the launch of our three low-fee mutual funds in 2010 — select income fund, select balanced fund and select canadian equity fund — we deliver the same expertise to a more diverse set of investors, providing exclusive access to low-risk, high-quality investments with long-term, consistent returns in any economic environment.

Benefit from our investment management expertise

Our three funds are built upon jarislowsky fraser's low-fee commitment to providing canadians with greater access to the returns our proven expertise can offer.

Bottom line: our commitment to low fees helps ensure you have the opportunity to maximize your investments.

Our funds are RSP-eligible and available to canadian investors with an initial investment as little as $500 through an advisor or discount broker.

Invest through an advisor

When you consult with an investment advisor or financial planner, you have two no-load options with the jarislowsky fraser funds:

Advisor series – for use in traditional investment accounts

F-series – for use in fee-based accounts

Self-directed investing

If you manage your own portfolio, we offer the E-series.

E-series is available through a discount broker and may be subject to regular commission or transaction fees.

Jarislowsky fraser E-series funds require a minimum initial investment of $10,000.

For more information on the jarislowsky fraser funds, see our fund overview below or contact us at mutualfunds@jflglobal.Com.

Unit prices and performance

FUND NAME	PRICE (CND)	CHANGE	HISTORY
NBI jarislowsky fraser select income fund (advisor series)	10.27	0.4%	consult
NBI jarislowsky fraser select balanced fund (advisor series)	15.96	1.5%	consult
NBI jarislowsky fraser select canadian equity fund (advisor series)	18.51	2.0%	consult

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select income fund (advisor series)	oct. 7, 2010	6.05	5.70	5.70	3.73	3.86	4.36
NBI jarislowsky fraser select balanced fund (advisor series)	oct. 7, 2010	9.75	7.68	7.68	5.85	5.65	6.16
NBI jarislowsky fraser select canadian equity fund (advisor series)	oct. 7, 2010	15.79	5.41	5.41	5.45	6.91	6.79

Mutual fund performance is calculated net or “after” fees.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in unit values and reinvestment of all distributions and does not take into account sales, redemption, distribution or optional changes or income taxes payable by any security holder that would have reduced returns. Mutual fund securities are not covered by the canada deposit insurance corporation or by any other government deposit insurer. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

NBI jarislowsky fraser funds

NBI jarislowsky fraser select income fund
(advisor series)

NBI jarislowsky fraser select balanced fund
(advisor series)

NBI jarislowsky fraser select canadian equity fund
(advisor series)

INVESTMENT OBJECTIVE

The fund’s investment objective is to provide regular income and achieve moderate capital growth by investing in a diversified portfolio, comprised primarily of canadian fixed-income and equity securities. The fund may invest approximately 25% of its assets in the equity or fixed-income securities of foreign issuers.

Investors willing to tolerate a low level of risk. Investors who seek a diversified mix of equity and fixed-income securities.

The fund holds investment‐grade fixed-income and high‐quality equity securities to maximize income and minimize both interest rate and default risk.

The fund’s maturity and credit quality are positioned to weather every stage of the business cycle.

Lower credit-quality issuers are analyzed with a focus on cash flow stability and the recovery value of their fixed-income securities.

Overall, the fund will invest in higher-quality, investment-grade issues.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select income fund (advisor series)	oct. 7, 2010	6.05	5.70	5.70	3.73	3.86	4.36

Additional information

Fund information

Distribution

Monthly/total distribution per unit:

Advisor series: $0.0111 (1/25/2021)

E & F series: $0.020196 (1/25/2021)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.40% MER: 1.61%

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

The canadian universe bond market was up 0.4% in the quarter, bringing the year-to-date return to 8.0%. Interest rates on government bonds stayed in a very narrow trading range while corporate and provincial bond yields declined as investors continued to seek higher yields given the impact of lower policy rates and historical levels of quantitative easing. The yield curve steepened, with longer-term bonds underperforming, incorporating some of the improving economic outlook and rising inflation expectations. The short end of the yield curve remained anchored by the bank of canada’s stated intention to keep policy rates very low for a number of years.

The bond portfolio continues to outperform its FTSE universe benchmark, providing value-add returns for the quarter and year-to-date. The allocation to corporate bonds and their outperformance relative to federal government bonds, as well as exposure to higher-yielding provincial bonds, were the main positive contributors. In addition, our inflation-linked bond holdings outperformed nominal bonds as inflation expectations rose over the period. The supply of corporate bonds remains robust with levels running over 20% higher than last year as corporations look to lock in historically low interest costs.

Disclosures:

The bank of nova scotia (BNS) is the parent company of jarislowsky, fraser limited. BNS securities held in the portfolio are related securities. Returns of the F series may vary mainly because of the different fees and expenses: NBI jarislowsky fraser select income fund 3 months 2.4%, 1 year 3.6%, 3 years 4.0%, 5 years 4.2%, since inception 5.0%. The NBI jarislowsky fraser select funds (the “funds”) are managed by national bank securities inc., a wholly owned subsidiary of national bank of canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the funds. Please read the prospectus of the funds before investing. The funds’ securities are not insured by the canada deposit insurance corporation or by any other government deposit insurer. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The indicated rates of returns are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

INVESTMENT OBJECTIVE

The fund’s investment objective is to achieve moderate capital growth by investing in a diversified portfolio, comprised mainly of canadian fixed-income and equity securities.The fund may invest approximately 25% of its assets in the equity or fixed-income securities of foreign issuers.

Investors willing to tolerate a low to moderate level of risk. Investors who seek a diversified mix of equities and fixed-income securities.

The fund holds high‐quality equity securities and investment‐grade fixed-income issues.

The fund's investment approach is prudent and aimed at capital preservation, with a focus on the securities of large‐capitalization companies that are industry leaders with strong management, a solid track record of earnings and limited financial leverage.

Lower credit-quality issuers are analyzed with a focus on cash flow stability and the recovery value of their fixed-income securities.

Overall, the fund will invest in higher-quality, investment-grade issues.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select balanced fund (advisor series)	oct. 7, 2010	9.75	7.68	7.68	5.85	5.65	6.16

Additional information

Fund information

Distribution

Quarterly/total distribution per unit:

Advisor series : $0.001495 (12/23/2020)

E & F series : $0.03502 (12/23/2020)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.70% MER: 1.99%

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

The third quarter showed a continuation of the strong returns generated since the height of pandemic fears in march. With the exception of a few (e.G. Latin america and the UK), stock markets generated above-average returns, mostly led by companies in growth sectors, as well as cyclicals. As a result, the broad overweight in equities in balanced portfolios provided a substantial tailwind to both absolute and relative performance. The canadian equity and international equity portfolios performed best on a relative basis as a result of strong stock selection, while the emerging markets also added value, despite its small weight. On a relative basis, the laggard was US equities (mainly due to the portfolio not holding apple), however the strong absolute return still provided a positive contribution. The bond section also performed well during the quarter.

On a year-to-date basis the portfolio is back in positive territory. The strong rebound in equity markets has been the main contributor, but excellent relative returns in bonds, international equities and emerging market stocks have also contributed.

Disclosures:

The bank of nova scotia (BNS) is the parent company of jarislowsky, fraser limited. BNS securities held in the portfolio are related securities. Returns of the F series may vary mainly because of the different fees and expenses: NBI jarislowsky fraser select balanced fund 3 months 3,7%, 1 year 4,7%, 3 years 5,9%, 5 years 6,1%, since inception 6,9%. The NBI jarislowsky fraser select funds (the “funds”) are managed by national bank securities inc., a wholly owned subsidiary of national bank of canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the funds. Please read the prospectus of the funds before investing. The funds’ securities are not insured by the canada deposit insurance corporation or by any other government deposit insurer. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The indicated rates of returns are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

INVESTMENT OBJECTIVE

The fund’s investment objective is to achieve long-term capital growth by primarily investing in the equity securities of large-capitalization canadian issuers. The fund may invest up to 49% of its assets in foreign securities.

Investors willing to tolerate a medium level of risk. Investors who wish to add a canadian equity fund to their portfolio.

The fund invests in the equity securities of large‐capitalization companies that are industry leaders with strong management, a solid track record of earnings and limited financial leverage.

The screening of securities is based on fundamental analysis and a “growth at a reasonable price” valuation approach and an emphasis on long‐term investment horizon.

Up to 15% of the fund’s holdings may be invested in the securities of foreign issuers with above-average growth potential and below-average risk.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select canadian equity fund (advisor series)	oct. 7, 2010	15.79	5.41	5.41	5.45	6.91	6.79

Additional information

Fund information

Distribution

Annually/total distribution per unit:

Advisor series : $0.038417 (12/23/2020)

E & F series : $0.177374 (12/23/2020)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.75 % MER: 2.06 %

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

The canadian equity portfolio made solid gains, outperforming the S&P/TSX index (4.7%) and offsetting some of the portfolio’s underperformance in the first six months. The index rebound was quite widespread, with industrials (+13.6%) leading the way, followed by utilities (+9.2%), consumer staples (+9.1%) and materials (+9.0%). Financials (+4.0%) continued to lag while energy (-8.1%) was the only notable sector to decline.

CCL industries (+17%), our specialty packaging and labeling company, was one of our main contributors, due to a much better than expected quarter. Gildan (+25%), who manufactures and markets basic active wear globally, rebounded nicely following a very difficult start of the year. Canadian national railway (+19%), which has proved to be remarkably resilient during this crisis, appreciated strongly this quarter. The resilience is attributable to its much improved productivity ratio and better ability to adjust costs to a weaker environment. The improvement of rail volumes back to pre-COVID-19 levels, as well as multiple expansions, drove the stock price.

Pembina (-15%) was a detractor to the portfolio’s performance, impacted by weak sentiment for energy stocks and fear that this difficult environment could impact the financial condition of its clients. While a large portion of the company’s pipelines and facilities are protected by contracts, lower volumes do affect a portion of revenue. With the rebound in oil price, it is our view that this risk has diminished considerably. CAE (-12%) continued to perform poorly as it is associated with the financial health of airlines, which of course is currently a major concern. Lastly, our lack of exposure to gold stocks such as kinross (+20%) and agnico eagle (+23%) continued to be a headwind to performance, but we maintain that the price of gold is unsustainable at these levels over the long term.

On a year-to-date basis, the portfolio is underperforming the benchmark due to negative contribution from technology and materials sectors. While we are quite overweight the technology sector and continue to like the expected returns of the companies in our portfolio, we remain underweight shopify for now as its stock price has nearly tripled since the start of the year. For materials, the negative contribution comes from our lack of exposure to gold stocks. This sector has a mixed record of creating shareholder value over the long term, and we question the sustainability of the price of gold in what we expect will be an improving environment over the next 12-24 months.

Disclosures:

The bank of nova scotia (BNS) is the parent company of jarislowsky, fraser limited. BNS securities held in the portfolio are related securities. Returns of the F series may vary mainly because of the different fees and expenses: NBI jarislowsky fraser select canadian equity fund 3 months 5.5%, 1 year 0.0%, 3 years 4.4%, 5 years 6.6%, since inception 7.2%. The NBI jarislowsky fraser select funds (the “funds”) are managed by national bank securities inc., a wholly owned subsidiary of national bank of canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the funds. Please read the prospectus of the funds before investing. The funds’ securities are not insured by the canada deposit insurance corporation or by any other government deposit insurer. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The indicated rates of returns are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

Jf broker

Chinvest17 from mypf.My:
trading bracket order features (i.E. Stop limit, take profit)
jupiter securities
RHB investment bank
malacca securities (M+)

Horrible experience. Looking to switch to either maybank or rakuten

Mrborneo26 im use rakuten and mplus right now.

If u have rm1000 below,.Use rakuten (just rm7 brokerage fee) is easy to make your profit.
I u have rm1000 and above till RM50K, use mplus (just rm8 brokerage fee).

Use my rakuten refferal : 14f18tgbps
* u get 500 rtpoints free

Im use both broker ( rakuten and mplus )

If u have rm1000 below,.Use rakuten (just rm7 brokerage fee) is easy to make your profit.
I u have rm1000 and above till RM50K, use mplus (just rm8 brokerage fee).

RAKUTEN and MPLUS direct account = only can buy/sell stock market in MALAYSIA.

So far, so good both this broker(rakuten and mplus)..Im used rakuten with my phone to make transaction buy/sell. At the same time, im used mplus(web) to moniter the chart.

I like rakuten (apps)- is easy and FAST to buy/sell/deposit and withdraw money .
I like mplus (web) - support live chart/full indicator/ easy to do technical analysis and FA.

Use my rakuten refferal : 14f18tgbps
*u get 500 rtpoints free

Why jarislowsky fraser?

Jarislowsky fraser's 60+ years of proven fundamental research and investing is available through mutual funds to a broad spectrum of investors.

For decades, jarislowsky fraser's research and investment insights have helped institutional investors and affluent individuals turn market opportunity into investment performance.

Benefit from our investment management expertise

Our three funds are built upon jarislowsky fraser's low-fee commitment to providing canadians with greater access to the returns our proven expertise can offer.

Bottom line: our commitment to low fees helps ensure you have the opportunity to maximize your investments.

Our funds are RSP-eligible and available to canadian investors with an initial investment as little as $500 through an advisor or discount broker.

Invest through an advisor

When you consult with an investment advisor or financial planner, you have two no-load options with the jarislowsky fraser funds:

Advisor series – for use in traditional investment accounts

F-series – for use in fee-based accounts

Self-directed investing

If you manage your own portfolio, we offer the E-series.

E-series is available through a discount broker and may be subject to regular commission or transaction fees.

Jarislowsky fraser E-series funds require a minimum initial investment of $10,000.

For more information on the jarislowsky fraser funds, see our fund overview below or contact us at mutualfunds@jflglobal.Com.

Unit prices and performance

FUND NAME	PRICE (CND)	CHANGE	HISTORY
NBI jarislowsky fraser select income fund (advisor series)	10.27	0.4%	consult
NBI jarislowsky fraser select balanced fund (advisor series)	15.96	1.5%	consult
NBI jarislowsky fraser select canadian equity fund (advisor series)	18.51	2.0%	consult

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select income fund (advisor series)	oct. 7, 2010	6.05	5.70	5.70	3.73	3.86	4.36
NBI jarislowsky fraser select balanced fund (advisor series)	oct. 7, 2010	9.75	7.68	7.68	5.85	5.65	6.16
NBI jarislowsky fraser select canadian equity fund (advisor series)	oct. 7, 2010	15.79	5.41	5.41	5.45	6.91	6.79

NBI jarislowsky fraser funds

NBI jarislowsky fraser select income fund
(advisor series)

NBI jarislowsky fraser select balanced fund
(advisor series)

NBI jarislowsky fraser select canadian equity fund
(advisor series)

INVESTMENT OBJECTIVE

Investors willing to tolerate a low level of risk. Investors who seek a diversified mix of equity and fixed-income securities.

The fund holds investment‐grade fixed-income and high‐quality equity securities to maximize income and minimize both interest rate and default risk.

The fund’s maturity and credit quality are positioned to weather every stage of the business cycle.

Lower credit-quality issuers are analyzed with a focus on cash flow stability and the recovery value of their fixed-income securities.

Overall, the fund will invest in higher-quality, investment-grade issues.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select income fund (advisor series)	oct. 7, 2010	6.05	5.70	5.70	3.73	3.86	4.36

Additional information

Fund information

Distribution

Monthly/total distribution per unit:

Advisor series: $0.0111 (1/25/2021)

E & F series: $0.020196 (1/25/2021)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.40% MER: 1.61%

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

Disclosures:

INVESTMENT OBJECTIVE

Investors willing to tolerate a low to moderate level of risk. Investors who seek a diversified mix of equities and fixed-income securities.

The fund holds high‐quality equity securities and investment‐grade fixed-income issues.

The fund's investment approach is prudent and aimed at capital preservation, with a focus on the securities of large‐capitalization companies that are industry leaders with strong management, a solid track record of earnings and limited financial leverage.

Lower credit-quality issuers are analyzed with a focus on cash flow stability and the recovery value of their fixed-income securities.

Overall, the fund will invest in higher-quality, investment-grade issues.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select balanced fund (advisor series)	oct. 7, 2010	9.75	7.68	7.68	5.85	5.65	6.16

Additional information

Fund information

Distribution

Quarterly/total distribution per unit:

Advisor series : $0.001495 (12/23/2020)

E & F series : $0.03502 (12/23/2020)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.70% MER: 1.99%

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

Disclosures:

The bank of nova scotia (BNS) is the parent company of jarislowsky, fraser limited. BNS securities held in the portfolio are related securities. Returns of the F series may vary mainly because of the different fees and expenses: NBI jarislowsky fraser select balanced fund 3 months 3,7%, 1 year 4,7%, 3 years 5,9%, 5 years 6,1%, since inception 6,9%. The NBI jarislowsky fraser select funds (the “funds”) are managed by national bank securities inc., a wholly owned subsidiary of national bank of canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the funds. Please read the prospectus of the funds before investing. The funds’ securities are not insured by the canada deposit insurance corporation or by any other government deposit insurer. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The indicated rates of returns are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

INVESTMENT OBJECTIVE

Investors willing to tolerate a medium level of risk. Investors who wish to add a canadian equity fund to their portfolio.

The fund invests in the equity securities of large‐capitalization companies that are industry leaders with strong management, a solid track record of earnings and limited financial leverage.

The screening of securities is based on fundamental analysis and a “growth at a reasonable price” valuation approach and an emphasis on long‐term investment horizon.

Up to 15% of the fund’s holdings may be invested in the securities of foreign issuers with above-average growth potential and below-average risk.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select canadian equity fund (advisor series)	oct. 7, 2010	15.79	5.41	5.41	5.45	6.91	6.79

Additional information

Fund information

Distribution

Annually/total distribution per unit:

Advisor series : $0.038417 (12/23/2020)

E & F series : $0.177374 (12/23/2020)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.75 % MER: 2.06 %

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

Disclosures:

The bank of nova scotia (BNS) is the parent company of jarislowsky, fraser limited. BNS securities held in the portfolio are related securities. Returns of the F series may vary mainly because of the different fees and expenses: NBI jarislowsky fraser select canadian equity fund 3 months 5.5%, 1 year 0.0%, 3 years 4.4%, 5 years 6.6%, since inception 7.2%. The NBI jarislowsky fraser select funds (the “funds”) are managed by national bank securities inc., a wholly owned subsidiary of national bank of canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the funds. Please read the prospectus of the funds before investing. The funds’ securities are not insured by the canada deposit insurance corporation or by any other government deposit insurer. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The indicated rates of returns are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

Why jarislowsky fraser?

Jarislowsky fraser's 60+ years of proven fundamental research and investing is available through mutual funds to a broad spectrum of investors.

For decades, jarislowsky fraser's research and investment insights have helped institutional investors and affluent individuals turn market opportunity into investment performance.

Benefit from our investment management expertise

Our three funds are built upon jarislowsky fraser's low-fee commitment to providing canadians with greater access to the returns our proven expertise can offer.

Bottom line: our commitment to low fees helps ensure you have the opportunity to maximize your investments.

Our funds are RSP-eligible and available to canadian investors with an initial investment as little as $500 through an advisor or discount broker.

Invest through an advisor

When you consult with an investment advisor or financial planner, you have two no-load options with the jarislowsky fraser funds:

Advisor series – for use in traditional investment accounts

F-series – for use in fee-based accounts

Self-directed investing

If you manage your own portfolio, we offer the E-series.

E-series is available through a discount broker and may be subject to regular commission or transaction fees.

Jarislowsky fraser E-series funds require a minimum initial investment of $10,000.

For more information on the jarislowsky fraser funds, see our fund overview below or contact us at mutualfunds@jflglobal.Com.

Unit prices and performance

FUND NAME	PRICE (CND)	CHANGE	HISTORY
NBI jarislowsky fraser select income fund (advisor series)	10.27	0.4%	consult
NBI jarislowsky fraser select balanced fund (advisor series)	15.96	1.5%	consult
NBI jarislowsky fraser select canadian equity fund (advisor series)	18.51	2.0%	consult

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select income fund (advisor series)	oct. 7, 2010	6.05	5.70	5.70	3.73	3.86	4.36
NBI jarislowsky fraser select balanced fund (advisor series)	oct. 7, 2010	9.75	7.68	7.68	5.85	5.65	6.16
NBI jarislowsky fraser select canadian equity fund (advisor series)	oct. 7, 2010	15.79	5.41	5.41	5.45	6.91	6.79

NBI jarislowsky fraser funds

NBI jarislowsky fraser select income fund
(advisor series)

NBI jarislowsky fraser select balanced fund
(advisor series)

NBI jarislowsky fraser select canadian equity fund
(advisor series)

INVESTMENT OBJECTIVE

Investors willing to tolerate a low level of risk. Investors who seek a diversified mix of equity and fixed-income securities.

The fund holds investment‐grade fixed-income and high‐quality equity securities to maximize income and minimize both interest rate and default risk.

The fund’s maturity and credit quality are positioned to weather every stage of the business cycle.

Lower credit-quality issuers are analyzed with a focus on cash flow stability and the recovery value of their fixed-income securities.

Overall, the fund will invest in higher-quality, investment-grade issues.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select income fund (advisor series)	oct. 7, 2010	6.05	5.70	5.70	3.73	3.86	4.36

Additional information

Fund information

Distribution

Monthly/total distribution per unit:

Advisor series: $0.0111 (1/25/2021)

E & F series: $0.020196 (1/25/2021)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.40% MER: 1.61%

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

Disclosures:

INVESTMENT OBJECTIVE

Investors willing to tolerate a low to moderate level of risk. Investors who seek a diversified mix of equities and fixed-income securities.

The fund holds high‐quality equity securities and investment‐grade fixed-income issues.

The fund's investment approach is prudent and aimed at capital preservation, with a focus on the securities of large‐capitalization companies that are industry leaders with strong management, a solid track record of earnings and limited financial leverage.

Lower credit-quality issuers are analyzed with a focus on cash flow stability and the recovery value of their fixed-income securities.

Overall, the fund will invest in higher-quality, investment-grade issues.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select balanced fund (advisor series)	oct. 7, 2010	9.75	7.68	7.68	5.85	5.65	6.16

Additional information

Fund information

Distribution

Quarterly/total distribution per unit:

Advisor series : $0.001495 (12/23/2020)

E & F series : $0.03502 (12/23/2020)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.70% MER: 1.99%

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

Disclosures:

The bank of nova scotia (BNS) is the parent company of jarislowsky, fraser limited. BNS securities held in the portfolio are related securities. Returns of the F series may vary mainly because of the different fees and expenses: NBI jarislowsky fraser select balanced fund 3 months 3,7%, 1 year 4,7%, 3 years 5,9%, 5 years 6,1%, since inception 6,9%. The NBI jarislowsky fraser select funds (the “funds”) are managed by national bank securities inc., a wholly owned subsidiary of national bank of canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the funds. Please read the prospectus of the funds before investing. The funds’ securities are not insured by the canada deposit insurance corporation or by any other government deposit insurer. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The indicated rates of returns are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

INVESTMENT OBJECTIVE

Investors willing to tolerate a medium level of risk. Investors who wish to add a canadian equity fund to their portfolio.

The fund invests in the equity securities of large‐capitalization companies that are industry leaders with strong management, a solid track record of earnings and limited financial leverage.

The screening of securities is based on fundamental analysis and a “growth at a reasonable price” valuation approach and an emphasis on long‐term investment horizon.

Up to 15% of the fund’s holdings may be invested in the securities of foreign issuers with above-average growth potential and below-average risk.

Performance

FUND NAME	INCEPTION DATE	RETURN (%)
FUND NAME	INCEPTION DATE	6 mth	ytd	1 yr	3 yr	5 yr	since inception
NBI jarislowsky fraser select canadian equity fund (advisor series)	oct. 7, 2010	15.79	5.41	5.41	5.45	6.91	6.79

Additional information

Fund information

Distribution

Annually/total distribution per unit:

Advisor series : $0.038417 (12/23/2020)

E & F series : $0.177374 (12/23/2020)

Assets under management ($M)

Inception date

Fund specifications

Minimum initial investment: $500

Subsequent investment: $50

Systematic investment: $25

Management fee: 1.75 % MER: 2.06 %

Fund codes

Portfolio management team

QUARTERLY COMMENTARIES

Disclosures:

The bank of nova scotia (BNS) is the parent company of jarislowsky, fraser limited. BNS securities held in the portfolio are related securities. Returns of the F series may vary mainly because of the different fees and expenses: NBI jarislowsky fraser select canadian equity fund 3 months 5.5%, 1 year 0.0%, 3 years 4.4%, 5 years 6.6%, since inception 7.2%. The NBI jarislowsky fraser select funds (the “funds”) are managed by national bank securities inc., a wholly owned subsidiary of national bank of canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the funds. Please read the prospectus of the funds before investing. The funds’ securities are not insured by the canada deposit insurance corporation or by any other government deposit insurer. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The indicated rates of returns are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

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