Our investment planning advice involves creating a tailored strategy to grow your wealth and achieve financial goals through diversified portfolios, risk management, and ongoing adjustments. We willguide you in selecting the right investments and monitoring their performance to ensure your financial success.
Mutual Funds
A mutual fund is a type of investment vehicle that pools money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. Each investor owns shares of the mutual fund, representing a portion of its holdings. Mutual funds are managed by professional fund managers who make investment decisions on behalf of the investors.
We have access to all of the major mutual fund companies including but not limited to, AGF, Brandes, CI, Dynamic, Excel, Fidelity, Front Street, IA Clarington, Mackenzie, Manulife, CIBC/Renaissance, Sentry, Sprott and Templeton. GIC’s – through Worldsource we have access to GIC’s ranging from one to five years.
Segregated Funds
Segregated funds, often referred to as the insurance industry’s version of mutual funds, are a type of investment fund that combines the growth potential of mutual funds with the security of a life insurance policy. These funds are managed by insurance companies and offer unique benefits that set them apart from traditional mutual funds. Like mutual funds, segregated funds invest in a diversified portfolio of stocks, bonds, and other securities to provide growth and capital appreciation over time. What makes segregated funds unique is the guarantee that protects a portion of the investor’s principal.
In addition to growth potential and guarantees, segregated funds offer important estate planning benefits, such as ensuring your beneficiaries receive the guaranteed amount without going through probate. They can also protect your investment from creditors in certain situations. Some segregated funds provide a steady income stream during retirement. Managed by professional portfolio managers, these funds offer potential tax benefits and flexibility, giving you peace of mind.
Guaranteed Withdrawal Investments
Once the minimum age requirement is met, the guaranteed minimum withdrawal benefit provides a guaranteed income stream through periodic withdrawals. This means that you can receive a steady, predictable income during retirement. The amount you receive is calculated based on a percentage of your investment and is designed to ensure you have a reliable source of income for life. This feature adds an extra layer of financial security, helping you manage your retirement expenses with confidence.