Retirement and investment products

Based on your specific needs and goals, investments can play a key role in your financial security plan and your ability to achieve your short- and long-term goals. We have access to a wide range of savings and income products – both registered and non-registered savings, income, and pension plans for individuals; as well as registered and non-registered savings and pension plans for employee groups.

RRSPs and RESPs

A registered retirement savings plan (RRSP) can be an effective way to benefit from tax-deferred compound interest and accumulate savings for your long-term retirement goals. And if you have children, a registered education savings plan (RESP) can help you contribute to their post-secondary education.

The advantages of RRSPs and RESPs include:

  • Tax-deductible RRSP contributions
  • Tax deferral of compounding income and growth
  • Government RESP grant is available based on family net income and amount contributed
     

We can help you personalize an investment portfolio based on your financial security goals, your tolerance to risk and your timeline for realizing your goals. Contact today to take a closer look at your investment portfolio and find out how RRSPs and RESPs could be part of your financial security plan.

Segregated fund policies

Segregated fund policies are similar to mutual funds, but they’re only available through life insurance companies. Professional investment managers invest in a variety of individual securities, and the value of your policy’s units increase or decrease with the performance of the segregated funds you select. However, because segregated fund policies are a form of life insurance, they have advantages for some investors.

These advantages can include:

  • Ability to designate a beneficiary to bypass the estate
  • Potential for creditor protection1
  • Savings on potential probate fees, if any
  • Maturity and death benefit guarantees
  • No trustee fees
     

We have access to a wide variety of segregated funds. Contact today to find out how segregated funds could strengthen your investment portfolio.

A description of the key features of the segregated fund policy is contained in the information folder.

Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.

1.Creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection for your specific situation.

As an investment representative, we can also offer you mutual funds:

Mutual funds

Mutual funds can be the foundation of a diversified investment portfolio. By allowing individual investors to pool their savings in a portfolio of investments managed by professional investment managers, they allow you to diversify your portfolio among many different companies and industries within Canada and around the world.

As an investment representative, we have access to products offered by a leading mutual fund dealer and we can help you build a portfolio tailored to your specific financial security needs and goals.

The advantages of mutual funds include:

  • Liquidity
  • Diversification
  • Potential for increased returns
  • Expertise of professional investment managers
     

Depending on your needs and goals, adding mutual funds to your portfolio can help you:

  • Save for retirement or a child's education
  • Build a home or a business
  • Plan for an event or a legacy
     

Contact us today to find out more about how mutual funds can play a key role in building your financial security plan.

Make your investment decisions wisely. Important information about mutual funds is found in the funds' simplified prospectus. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.

Convert your savings into flexible retirement income 

A registered retirement income fund (RRIF) is like a registered retirement savings plan (RRSP) in reverse – it requires you take minimum annual withdrawals from your savings to help fund your retirement. Access your money when you need it, for whatever you need it, once you retire. 

Your retirement paycheque 

Income annuities can help you step into retirement with the certainty of a steady income stream. It’s a simple way to turn a portion of your savings into regular income – for a fixed period or the rest of your life. You can put a portion of your retirement savings, like your RRSP, into an annuity. 

Get some help for your retirement 

Your workplace pension gives you advantages that can help you save more so you can retire on your terms. It helps bridge the gap between your personal savings and what you need for your retirement. In some cases, your employer may match a portion of what you contribute.