Investment planning is a strategic process that helps individuals and organizations map out their financial goals and determine the best way to achieve them through the allocation of resources. This comprehensive approach involves several key steps:
Goal Setting: Identifying short-term and long-term financial objectives, such as saving for retirement, purchasing a home, funding education, or accumulating wealth.
Assessment of Financial Situation: Evaluating current financial status, including income, debts, expenses, and existing investments, to understand what resources are available for achieving the set goals.
Risk Evaluation: Understanding the individual’s or entity’s risk tolerance, which influences investment choices and asset allocation. It’s crucial to balance the potential for higher returns against the possibility of loss.
Asset Allocation: Diversifying investments across various asset classes (e.g., stocks, bonds, real estate) to optimize the risk-reward ratio according to the individual’s risk tolerance and investment horizon.
Selection of Investment Vehicles: Choosing specific investment products (such as mutual funds, stocks, bonds, or ETFs) that align with the investment strategy and goals.
Monitoring and Rebalancing: Regularly reviewing the investment portfolio to ensure it remains aligned with the investor’s goals, risk tolerance, and market conditions. This may involve rebalancing the portfolio to maintain the desired asset allocation.
Tax Planning: Considering the tax implications of investment decisions to minimize tax liabilities and maximize after-tax returns.
Our investment planning is a dynamic process requiring adjustments over time as financial situations, goals, and market conditions change. We provide expertise and guidance tailored to your specific needs and aspirations. Proper investment planning aims to grow wealth systematically and secure financial well-being, making it a critical component of overall financial management.
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.Once the minimum age requirement is met, the guaranteed minimum withdrawal benefit provides a guaranteed income stream through periodic withdrawals.
Mutual Funds
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.Once the minimum age requirement is met, the guaranteed minimum withdrawal benefit provides a guaranteed income stream through periodic withdrawalsSegregated Funds
This is the insurance industry’s version of mutual funds. It is an investment fund that combines the growth potential of a mutual fund with the security of a life insurance policy. Unlike mutual funds, segregated funds provide a guarantee to protect part of the money you invest.
Guaranteed Withdrawal Investments
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