INVESTMENT

Throughout the stages of life, individuals, families and businesses actively engage in asset accumulation strategies and savings programs. Asset accumulation involves saving, reallocation, conversion and maintenance. During accumulation it is best to start early, be consistent, utilize tax efficient investments and tax deferral strategies, and to invest within vehicles that suit your investor profile, timeline and philosophy.

With access to leading investment fund companies, insurance companies, financial institutions, and money managers; we offer stable, reliable and competitive financial and investments products and services in the marketplace.

Contact your Advisor to find out more &/or discuss your investment strategy to help you maximize your savings and investment returns.


Annuities

Create the retirement story you want with an annuity
How do you anticipate spending your retirement? Exploring new passions, spending more time with family and friends, volunteering, traveling? An annuity can help accumulate retirement assets and provide multiple options for taking retirement income – including the option to receive a steady stream of guaranteed income for life – so you can make the most of your well-deserved retirement years.

Income now or later?

Guaranteed Investment Certificate | GIC

Best GIC deposit rates are available to Advisors* and Investors daily.

Guaranteed Investment Certificates (GICs) are low risk investments that earn interest for a specific amount of time. GIC terms vary from one month to 25 years or more. They have low fees if at all, are low risk and financial institutions offer insurance for your investments that guarantees that your money is secure. Financial institutions that offer GICs include insurance companies, trust companies, credit unions, and banks.

Guaranteed Investment Fund | GIF

Guaranteed Investment Funds is another term for Segregated Funds. They are individual variable insurance contracts based on a specific term (a form of a life insurance contract) that can have growth potential similar to mutual funds.

Investment Leverage Loan

Investment Loans and RRSP Loans are also known as Leverage Loans.

This investment strategy is based on Sir John Templeton’s (November 29, 1912 – July 8, 2008) personal experience in 1939 where he borrowed $10,000 from his former boss with the purpose of investing to make a profit. He purchased $100 dollars worth of every stock on the stock exchanges that were valued less than a dollar. Within the year, he managed to repay his former boss, and he and his partner had more than $30,000 remaining.

Life Income Fund | LIF

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Registered Education Savings Plan | RESP

A Registered Education Savings Plan is a special savings plan in which money grows tax-free until it is withdrawn for post-secondary education. A subscriber, such as a parent, aunt, uncle or grandparent makes contributions on behalf of one or more beneficiaries (a child) named in the plan.

Registered Retirement Income Fund | RRIF

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Disability Savings Plan | RDSP

A registered disability savings plan (RDSP) is a savings plan designed to provide for the long-term financial security for a person with a disability.

Savings are on a tax-deferred basis along with Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB) allowing the savings, grants and bonds to grow in a tax free environment making this a powerful investment tool.

Segregated Funds

Segregated Funds are investment funds managed and/or distributed by life insurance companies. They are similar to mutual funds but offer some distinct benefits and advantages.

Tax Free Savings Account | TFSA

Canadians need to save for many different purposes over their lifetimes. Reducing tax on savings can help. That is why the Government has introduced a new Tax-Free Savings Account (TFSA). It is the single most important personal savings vehicle since the introduction of the Registered Retirement Savings Plan (RRSP).

Term Deposits | GICs | Deposit Broker Rates

Concerned about low interest rates?

As a Deposit Broker, we can help you get the highest GIC and Term Deposit Rates available in the market place.


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