Understanding CRM3: A Clearer Look at Investment Costs

Understanding CRM3 A Clearer Look at Investment Costs
Starting in 2026, investment firms will be required to give clients a more complete picture of what they are paying to invest. The first reports under these new rules will be delivered in 2027.

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What is CRM3?

Starting in 2026, investment firms will be required to give clients a more complete picture of what they are paying to invest. The first reports under these new rules will be delivered in 2027.

What does this mean for investors?

Under CRM3, clients will see a fuller breakdown of investment costs, including both direct and indirect fees tied to products like mutual funds and ETFs. These costs will be shown in dollars and percentages, making them easier to understand.

The goal is simple: more transparency. Investors will have a better understanding of what they are paying and how fees can affect returns over time.

Trusted guidance beyond the numbers

Newton Financial is available for trusted, in-person appointments and can provide valuable insight on:

  • Financial education
  • RRSPs, TFSAs, RESPs, LIRAs, and non-registered accounts
  • Retirement planning
  • Protecting your assets and your family with life, disability, and critical illness insurance
  • Introductions to reputable accountants and lawyers

Clear reporting. Personal advice.

As investment reporting becomes more detailed, having someone you trust to explain it in plain English can make all the difference.

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Understanding CRM3 A Clearer Look at Investment Costs
Lists

Understanding CRM3: A Clearer Look at Investment Costs

Starting in 2026, investment firms will be required to give clients a more complete picture of what they are paying to invest. The first reports under these new rules will be delivered in 2027.

paul@lookmarketing.ca April 17, 2026

*These posts are for educational purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances. Some of the information contained herein might be from sources believed to be reliable, however, we cannot guarantee that it is accurate or complete. The views expressed are those of the authors and writers only. Mutual Funds and Segregated Funds provided by the Fund Companies are offered through Worldsource Financial Management Inc., sponsoring mutual fund dealer. All other insurance products and related services are offered through Newton Financial Ltd.