I agree with lucy102. Advisor always lead you to mutual funds.  Especially Investors Group. MERs are high. The advisors are just following what money manager promotes i.e. mutual funds. IG is the worst of the Industry and still many fall in trap, I did for many years. IG top advisors are even worse as their goal is to make their millions (it is true as I have seen their written goals), while they act very caring and genuine. Watch out investors IG should not exists as they are not transparent and their fees are the highest.