Exempt market investment products refer to an investment opportunity offered in the exempt market. These products are not offered to the public and do not require a prospectus but are instead available to qualified investors through licensed dealers. Common EMD products include private equity, REITs, MICs, and structured debt instruments.

An accredited investor is an individual or entity who meets specific financial criteria, allowing them access to investment opportunities not available to the public. In Canada, this typically means having: (1) net financial assets of over $1 million (excluding primary residence), or (2) an income of over $200,000 individually—or $300,000 with a spouse—in each of the last two years.

A Real Estate Investment Trust (REIT) is a company that owns, operates, or finances income-generating real estate. REITs allow individual investors to earn a share of the income produced by commercial properties without the need to directly buy, manage, or finance any properties themselves.

Your risk profile is a combination of your financial goals, investment time horizon, liquidity needs, and tolerance for market volatility. A professional advisor will typically assess your profile through a structured questionnaire or consultation to recommend suitable investment products that align with your comfort level and return expectations.