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12. Customer details

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Here is a clear and structured procedure, based on the instructions in your SRT file, to help you navigate the detailed views of client records in VieFund.

Objective

Use VieFund’s display tools to analyze asset weighting, quickly switch between accounts, and estimate the tax impact of gains for non-registered accounts.

Prerequisites

  • Be logged in to the VieFund interface.
  • Have selected a client’s file.

Step 1: Analysis of the weighting by the “Account” tab

  1. Access: Click on the “Account” tab  once the client file is opened.
  2. Reading the data: This screen clearly displays the net invested amount as well as the  current market value.
  3. Checking the policy: Observe the current percentage of the account.
    • Use this data to check whether the asset weighting still respects the investor profile established at the opening.
    • Determine if a rebalancing of funds is required to adjust this weighting.
  4. Quick Navigation: This tab also allows you to instantly switch between accounts within the same menu.

Step 2: Overview via the “Contents” tab

  1. Access: For a global view, select the “Contents” tab.
  2. Multi-account viewing: This tab centralizes all of the client’s accounts, showing the total amount invested and the market value for each fund.
  3. Data Update: * Change the start and end dates as needed.
    • Click ” Refresh” to update the numbers according to the chosen time period.
  4. Visual option: The “Funds by Account” view offers a visual similar to that of a PDF report, making it easier to read before printing.

Step 3: Tax Estimation for Non-Registered Accounts

For taxable (non-registered) accounts, you can anticipate the tax burden related to the gains:

  1. Data identification: Identify the unit price per share and the number of units.
  2. Calculating the potential gain: Multiply the gain on the unit price by the number of units held.
  3. Tax Estimation Formula: * Take the amount of the total gain.
    • Multiply by 50% (typical inclusion rate).
    • Apply the  client’s marginal tax rate for the current year.
  4. Result: You get an estimate of the tax payable even before the client receives their official statement from the financial institution.

⚠️ Points of vigilance

  • Types of accounts: Tax estimation (Step 3) is essential for non-registered accounts, but it is of little relevance for registered accounts (RRSPs, TFSAs, etc.).

Rebalancing: Take advantage of the “Account” view to validate the portfolio’s compliance with the client’s objectives during each interaction.