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Investments
Segregated Funds
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Segregated FundsInsurance is an important investment.It should be there when you need it. SEGREGATED FUNDS It is an annuity offered by an insurance company which guarantees a specific percentage of the original investment upon maturity. It is similar to a mutual fund, and is offered by an insurance company. The term segregated is used because the funds are kept separate from the issuing company’s other investment funds. GIC Definition of a GIC: A deposit investment security sold by Canadian banks, trust companies and Insurance companies. They are often bought for retirement plans because they provide a low-risk fixed rate of return. The principal is at risk only if the financial institution default. The return of a GIC is considered as income and taxed at the highest tax bracket of the investors. |
Tax-Free Savings Account(TFSA)
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Tax-Free Savings Account(TFSA)Insurance is an important investment.It should be there when you need it. A Tax-Free Savings Account (TFSA) is a flexible, registered general-purpose savings vehicle that allows you to contribute up to $5,500 annually to earn tax-free investment income. Unused TFSA contribution room is carried forward and accumulates in future years. Withdraws from a TFSA are tax-free. |
Banking Products
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Banking ProductsInsurance is an important investment.It should be there when you need it. Guaranteed Investment Certificates (GICs): |
Registered Plans (RRSP, RESP)
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Registered Plans (RRSP, RESP)Insurance is an important investment.It should be there when you need it. RRSP’s have two main tax advantages: – RESP AND SCOLARSHIP PROGRAM |
Annuities
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AnnuitiesInsurance is an important investment.It should be there when you need it. Annuities are insurance products that pay you a guaranteed regular income for a fixed term or the rest of your life. Payout annuity income payments consist of a blend of interest and principal based on: We offer a range of annuity types. Single Life Annuities Joint and Last Survivor Annuities Term-Certain Annuities |