Investments
Where to Invest ?
The Term Investment means locking away your money for a certain duration and expecting a profit. This is ideally what every one would like but sometimes the investments result in losses and on cashing out the investment, you get back less than what you invested. This is known as a Capital Loss. Some of the popular Investment Vehicles are : Stocks, Property, Fixed Interest Savings Accounts. (Note : we are dealing with Non Registered Investments i.e. not RRSP or TFSA). Some additional ways to invest is through Mutual Funds, GIC’s, and Bonds which can be under a registered or non registered plan. Our goal is to provide financial security and provide guarantees so that our clients * principal is protected. The solution is based on a * reasonable growth on the principal and downside protection on their capital. This is done using an Insurance product called Segregated Funds. The following highlights the segregated funds structure.
Investments & Estate Planning
Segregated Funds can be used in combination of Estate Planning. A segregated fund is an investment that’s similar to a mutual fund. The
main difference is that it offers a guarantee upon death (100% principal protection) and at minimum 75% at fund maturity. The best part is if used as part of Estate Planning, it can by pass your Estate and probate. We help our clients with this service in consultation with Estate Lawyers and Accountants. * Disclaimer :
Please remember past performance and does not guarantee future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio.
F.A.Q.
Some of the Typical Questions Our Clients Ask Us
This is a great question, fees are very comparable to mutual funds, if you evaluate the benefits such as by pass Estate, this outweighs the benefits. In addition some companies are reducing their charges – contact us for more details.
I Have Never Heard Of Segregated Funds
Since these can only be offered by insurance companies, they haven’t been mass marketed, however they are popular.
The best way to understand this is by arranging an appointment with us – we can illustrate the risk vs rewards using this product.
One of the Insurance Companies we work with offer Inflation protection.
Another great question, again some companies offer the value of the fund be locked in. In this case the value of the payout is reset every as the value goes up. If subsequently the fund value goes down, (subsequent years) you are guaranteed the higher locked in value