Investments
Investments play a key role in your financial security plan. A mix of registered and non-registered savings, income and pension plans can help achieve short and long-term goals.
For employee groups, we also offer advice on registered and non-registered savings and pension plans. We can assist with the following.
- Registered retirement savings plans and Registered education savings plans;
- Segregated fund policies; and
- Group retirement and savings plans
RRSPs
A Registered Retirement Savings Plan (RRSP) has several advantages. For investors under the age of seventy-one an RRSP can allow tax-deferred compound interest and help accumulate savings to achieve long-term retirement goals. An RRSP also allows for a variety in choice of specific investment options.
RESPs
For families with children, a Registered Education Savings Plan (RESP) will help finance post-secondary education.
Based on a family’s net income and the amount contributed, a government RESP grant is available.
Some of the advantages of RRSPs and RESPs include:
- Tax-deductible RRSP contributions;
- Tax deferral of compounding income and growth; and
- Due to a low income tax rate, a student typically pays little tax if a withdrawal is made from an RESP.
Working together, we can examine RRSP and RESP investment options in order to build a customized portfolio that takes into consideration your financial security goals, tolerance to risk and timeline. Contact us today to find out more.
Segregated Fund Policies
In a segregated fund policy, professional fund managers invest in a variety of individual securities. Depending on the performance of the segregated funds selected, investment unit values will increase or decrease.
As a form of life insurance, a segregated fund policy has distinct advantages for some investors. These can include:
- Potential for creditor protection;
- Savings on potential probate fees; and
- No trustee fees.
Any amount allocated to a segregated fund may increase or decrease in value, and is invested at the risk of the policyholder.
We have access to a variety of segregated funds. Contact us today to discuss how this option could strengthen your investment portfolio and to receive an information package.
Group Retirement and Savings Plan
For a business owner, a group retirement and savings plan can play a key role in attracting and retaining quality employees. Your dedicated employees are working towards a safe and secure future. Either provided independently or paired with group benefits, a group savings plan is a convenient, flexible and affordable way to help employees reach their long-term financial goals.
Investments play a key role in your financial security plan. A mix of registered and non-registered savings, income and pension plans can help achieve short and long-term goals.
For employee groups, we also offer advice on registered and non-registered savings and pension plans. We can assist with the following.
We can help you and your valued employees choose group retirement and savings products by designing an investment plan tailored to fit the needs of everyone involved. You can choose from products like:
- A registered retirement savings plan designed specifically for your group;
- Deferred profit sharing plan;
- Defined contribution pension plan; and
- Non-registered savings program(s).
Contact us today to learn more about how a group retirement and savings plan can benefit your business.
