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Hi, I’m Marjorie Minet
and I’m a director for Brokerage
and Private Management 
Business Administration at Desjardins.
Today i'll be talking about
the benefits of the new Desjardins Securities
portfolio statements, 
which now come with two new reports.
These reports give clear information
on the fluctuations in value for each of your accounts,
the rate of return on your investments 
and the fees we charge
The first report on your investment returns
will tell you about changes in the value of your investments
over different periods of time
we give you this information from two different angles.
First we tell you the fluctuation in market value
meaning the dollar value of the changes in your investments
from the start of the year and from when you first opened the account.
Then we tell you the rate of return for your investments
This is a personal rate of return
that factors in all of the fund movements
in your accounts.
This means deposits, withdrawals, dividends and interest,
as well as the dates they occured.
When you analyze your returns
You should keep in mind
that they reflect the investor profile 
you decided on with your advisor
especially when it comes to investment 
goals and risk tolerance.
The second report includes information on fees
and other forms of remuneration.
It tells you about the commissions fees and charges
collected either directly 
or indirectly by Desjardins Securities
over the last year.
These costs go towards the services you use
including advisory services 
from your investment advisor
Your advisor helps you determine
your investor profile, investment objectives
investment horizon and risk tolerance.
They plan financial and fiscal strategies
that meet your needs, recommend investment products
build and monitor your portfolio, and rebalance it on a regular bases.
They’re with you at every stage of your life
and help you achieve your financial goals.
I recommend you also watch the Finance Matters video
about the value of advice at dsia.ca
These fees also cover everything
that is set up by Desjardins Securities
to carefully administer your accounts
such as researching and analyzing products
processing transactions
preparing portfolio summaries and tax slips
and compliance services.
This new portfolio summary helps us be more transparent with you.
Feel free to contact your investment advisor 
if you have any questions.
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