Investments
We offer the advice, solutions and resources you need to reach your goals. And we do it in a way that always puts you first. Our licensed financial advisors are able to assist you in creating a complete investment portfolio to meet your investment goals.
Types of investments do we offer?
- Segregated Funds:
- Mutual Fund
1. Segregated Funds:
Segregated funds, like mutual funds, are market-based investments. A large pool of money belonging to many people is invested in stocks, bonds or other securities with the goal of increasing the value of the entire pool. However, because segregated fund contracts are insurance contracts, they have special benefits that mutual funds do not.
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- Segregated fund contracts guarantee 75% to 100% of your premiums (less withdrawals) when the contract matures, or on your death. Some segregated fund contracts also offer income guarantees.
- Money invested in segregated funds contracts may also be protected against seizure by creditors. This can be a big advantage for business owners and professionals wanting to protect against an unexpected lawsuit or bankruptcy. Consult your tax and legal advisors for details.
- Segregated fund contracts purchased with non-registered money let you name beneficiaries, so the death benefit bypasses your estate and goes directly to them. You can also control how they get the benefit: as a lump sum or in the form of a payout annuity.
2. Mutual Fund
A mutual fund is an investment that pools the money of many individual investors and uses it to buy securities such as bonds, stocks, or other investable assets that are selected and managed by a fund manager. Each mutual fund has an investment objective which the fund seeks to achieve to the benefit of the investor. You invest in mutual funds by purchasing units of the fund. Mutual funds values tend to fluctuate and there is no guarantee that you will earn a return on your investment or the total amount you invested will be returned to you. It is recommended that you review the fund facts or prospectus before investing in mutual funds.
Our registered plans include
A Tax-Free Savings Account (TFSA) is a registered plan where you can save or invest up to your individual contribution limit and your earnings are tax-free.
A Registered Retirement Savings Plan (RRSP) is a registered plan that lets you build up savings designed for your retirement, while deferring your taxes.
A Spousal RRSP is a registered plan where you contribute money to your spouse's or common-law partner's RRSP, while also deferring taxes.
A Registered Education Savings Plan (RESP) is a registered plan that helps you save for a child’s post-secondary education. RESPs can be a great option, as saving incentives such as grants are offered by the government.
A Registered Disability Savings Plan (RDSP) is a special program for Canadians with disabilities and their families to help save for long-term financial needs like future medical costs.
A Registered Retirement Income Fund (RRIF) is a retirement income option which gives you the flexibility of deciding how much income you withdraw each year from your retirement savings. A minimum annual amount is set according to the federal government’s predetermined schedule. Often, owners of RRSPs roll over the balance from those plans into a RRIF.
