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Your statements

How to read your client statements.

You get three documents from us. Every quarter, an account statement shows what you own and what happened. Once a year, an investment performance report shows your personal rate of return, and a charges & compensation report shows every dollar you paid. Tap the numbered markers on each sample to see what each section means. Still have questions? Your advisor's contact info is at the top of your statement, or use the contact form below.

Key takeaway

Your statement package answers three questions: what do I own (quarterly account statement), how is it doing (annual investment performance report), and what did I pay (annual charges & compensation report). Your rate of return is personal to you, calculated after fees, and the fees report shows every dollar in one total.

Sample

Portfolio StrategiesRegulated by CIRO · Member of the Canadian Investor Protection Fund

Account StatementFor the period from Oct 1 to Dec 31

Casey Sample · Client ID 0000-1234

Your advisor: · ·

Your Accounts at a Glance

Account	Market value, start	Book value*	Market value, end
RRSP (Individual)	$45,200.00	$44,100.00	$48,650.66
TFSA (Individual)	$30,100.00	$28,500.00	$32,400.00
Total	$75,300.00	$72,600.00	$81,050.66

RRSP (Individual, Broker/Nominee) — Your Investments

Investment	Units	Unit price	Book value*	Market value
Sample Global Balanced Fund 60/40	2,340.0992	$20.79	$44,100.00	$48,650.66
Cash	—	—	—	$0.00

Transactions — RRSP

Date / Description	Net amount	Unit price	Units
Nov 7 · Redemption (sell of fund for fee)	($84.50)	$20.58	(4.1060)
Nov 12 · CASH — Advisor fee	($80.48)	$1.00	(80.4800)
Nov 12 · CASH — Tax	($4.02)	$1.00	(4.0200)
Dec 19 · Reinvested distribution	$310.42	$20.81	14.9170

Important Information

This statement is based on information provided by the mutual fund companies and other product providers who maintain the legal record of your holdings. Transactions submitted before quarter-end but executed after that date will appear on your next statement.

Customers' accounts are protected by the Canadian Investor Protection Fund within specific limits. Investments held in your nominee account are registered in the name of Portfolio Strategies as agent, on your behalf. Please notify your advisor of any material change in your circumstances.

Sample

Portfolio StrategiesRegulated by CIRO · Member of the Canadian Investor Protection Fund

Investment PerformanceFor the period from Jan 1 to Dec 31

RRSP (SD)

Your investments increased by $2,953.00 during the past year. Your rate of return over the year is 6.4%.

Change in the Value of Your Account

Description	Past year	Since inception
Opening market value	$43,697.66	$0.00
Deposits	$2,000.00	$40,500.00
Withdrawals	$0.00	$680.00
Change in market value	$2,953.00	$8,830.66
Closing market value	$48,650.66	$48,650.66

Your Personal Total Percentage Return

Period	Return
Past year	6.4%
Past 3 years	5.1%
Past 5 years	4.8%
Past 10 years	N/A
Since inception	5.0%

Rate of return calculated using XIRR, the annualized money-weighted formula, after charges have been deducted.

If you have a personal financial plan, it will contain a target rate of return — the return required to achieve your investment objectives. Compare the rates you actually achieved with your target to see whether you are on track.

Sample

Portfolio StrategiesRegulated by CIRO · Member of the Canadian Investor Protection Fund

Charges and CompensationFor the period from Jan 1 to Dec 31

Payments We Received on Your Plan — RRSP

Section 1: Amounts you paid for general administration	Cost
Trustee fee	$75.00
Advisory fee	$812.50
Tax on fees	$44.38
Sub-total: Section 1	$931.88

Section 2: Amounts you paid for purchases, sales or other transactions	Cost
Fee for switching to different funds	$0.00
Front-end sales commission	$0.00
Sub-total: Section 2	$0.00

Section 3: Payments we received from investment fund managers and third parties	Cost
Commission from deferred-load investments	$0.00
Trailing commission	$0.00
Sub-total: Section 3	$0.00

Total amount we received to service your plan

$931.88

Account statement · 1 of 5

The header: who's who

Your statement is prepared by Portfolio Strategies Corporation, our dealer, which is regulated by CIRO and a member of the Canadian Investor Protection Fund. You'll see your Client ID, your mailing address, and your advisor's name, phone, and email.

If anything on your statement doesn't make sense, that's who to call. No question is too small.

Account statement · 2 of 5

The summary: your big picture

This rolls all of your accounts into one snapshot. Three numbers tell the story for each account:

Market value at the start. What your investments were worth on day one of the period.
Book value. What you actually paid, including transaction charges, adjusted over time for things like reinvested distributions. Think of it as your cost, not your current value.
Market value at the end. What they were worth on the last day, based on each fund's Net Asset Value.

Comparing the start and end values gives you a quick read on how the period went.

Account statement · 3 of 5

Each account, up close

Below the summary, the statement breaks down each account one at a time — you might see a label like "RRSP (Individual, Broker/nominee)."

For each fund you own, you'll see how many units you hold, the current price per unit, and the book value and market value for that specific fund. Any uninvested cash shows up here too.

Account statement · 4 of 5

Transactions: what happened this period

This is the activity log. A few terms you'll see:

Redemption. Units were sold.
Reinvested distribution. Your fund paid out earnings, and that money automatically bought you more units.

A common pattern is a "Sell of fund for fee" followed by the "Advisor fee" deducted and any "Tax" that applied. These lines show exactly how fees were paid from your account — you can trace every change to your balance.

Account statement · 5 of 5

The fine print (it matters)

Timing of trades. A trade made right at period-end that settled after the closing date shows up on your next statement. It's not missing — it's just early.
Account protection. Your accounts are protected by the Canadian Investor Protection Fund, within set limits.
Nominee accounts. Investments are registered in the name of Portfolio Strategies as agent on your behalf. You still own them; this is just how they're held.
Keep us in the loop. A new job, a move, a change in income — let your advisor know so your plan stays on track.

Investment performance · 1 of 4

The headline numbers

This report arrives once a year and covers the full calendar year — not just a quarter. The opening sentences give you the two numbers most people want: how much your investments changed in dollars, and your rate of return for the year.

You'll see one of these summaries for each account you hold.

Investment performance · 2 of 4

What changed the value

This table separates your money from market growth. Deposits and withdrawals are money you moved; "change in market value" is what investing actually earned (or lost) — including dividends, interest, and price changes.

The "since inception" column tells the whole story of the account from the day you opened it.

Investment performance · 3 of 4

Your personal rate of return

These returns are personal to you. They're calculated with the money-weighted method (XIRR), which accounts for the timing of your deposits and withdrawals — so your number can differ from a fund's posted return, or from someone else holding the same fund.

They're also calculated after charges for advice, transactions, and account administration — but before income tax.

Investment performance · 4 of 4

Compare to your plan's target

Your financial plan contains a target rate of return — the return required to meet your goals. Compare your actual returns against it to see whether you're on track.

One year above or below target usually means little on its own. If you're unsure what your target is, ask your advisor — it's in your plan.

Charges & compensation · 1 of 4

Section 1: running your plan

These are the amounts you paid directly for the general administration of your plan and the ongoing advice you receive:

Trustee fee. Charged for administering a registered plan like an RRSP.
Advisory fee. The fee you agreed to for ongoing advice and management.
Tax on fees. Sales tax applied to the above.

Charges & compensation · 2 of 4

Section 2: transaction charges

Amounts tied to specific purchases, sales, or switches — like a fee for switching funds or a front-end sales commission paid out of your initial purchase.

In this sample, both are $0.00 — no per-transaction charges were applied during the year.

Charges & compensation · 3 of 4

Section 3: what third parties pay

This section discloses money the dealer received about your investments from someone other than you — like trailing commissions paid by fund managers, or deferred-load commissions.

You don't pay these directly, but they come out of fund expenses, so they're disclosed here. If a fund paid trailing commissions on your holdings, you'd see the amount on this line.

Charges & compensation · 4 of 4

The total: every dollar, one number

This is the full amount received to service your plan for the year — direct fees and third-party payments combined. Each account gets its own table, so add them up for your household total.

Fees are part of every honest conversation about investing. If you want to walk through what you paid and what you received for it, ask — we'll go line by line.

The documents above are simplified samples for education only. All names, holdings, and figures are fictional and rounded for clarity — they are not actual client results and not a forecast, projection, or guarantee of returns. Your official statements are prepared by Portfolio Strategies Corporation and may differ in layout and detail.

Get in touch

Need something? Just ask.

A question about your accounts, a life change we should know about, or anything in between. Send a note and we'll get back to you, usually within one business day.

Prefer to call or email directly?

(647) 556-0100 info@mwadvisors.ca

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