Investments

Your financial needs and priorities are always changing throughout your life. Whether you’re just starting out and learning to invest, saving for your future, thinking about retirement, or already retired, it’s important to understand all the options available to you and actively plan ahead to reach your goals.

We can provides you with a variety of comprehensive investment solutions that can help you enjoy today while preparing for tomorrow. From long-term growth, capital preservation, to a sustainable income stream in retirement, our investment solutions allow you to create an investment portfolio that is as unique as you are.

RRSP

TFSA

When it comes to investing for your retirement, Registered Retirement Savings Plans (RRSPs) are a good place to start. The combined benefits of reducing taxable income and potential tax-sheltered compound investment returns over the long term can provide you with a compelling reason to make the most of these savings plans.

 

An RRSP is a retirement savings plan that you establish, in which you or your spouse or common-law partner can contribute. Deductible RRSP contributions can be used to reduce your tax.

 

Any income you earn in the RRSP is usually exempt from tax as long as the funds remain in the plan; you generally have to pay tax when you receive payments from the plan.

Non Registered Investments

(Segregated Funds)

If you have money now that you’d like to invest, either for a large purchase or to save for retirement beyond the maximum amount you can contribute to your RRSP, we can help you to choose a variety of Segregated Funds.

 

Segregated Funds can offer long-term growth potential and basic protection. It is an attractive solution for investors seeking an industry-leading selection of investment funds from top fund managers with the added benefit of basic protection features only available through a segregated fund contract.

A Tax-Free Savings Account (TFSA) is a registered general-purpose savings vehicle allowing Canadians to earn tax-free investment income. A TFSA is available to individual 18 years of age or older. Contributions do not generate the same tax deductions as contributions to an RRSP, but withdrawals can be made tax-free.

 

Unused TFSA contribution room is carried forward and accumulates in future years. Full amount of withdrawals can be put back into the TFSA in future years. Re-contributing in the same year may result in an over-contribution amount which would be subject to a penalty tax.

 

Choose from a wide range of investment options such as Segregated funds, Guaranteed Investment Account (GIAs) and bonds.

 

Neither income earned within a TFSA nor withdrawals from it affect eligibility for federal income-tested benefits and credits, such as Old Age Security, the Guaranteed Income Supplement, and the Canada Child Tax Benefit.

 

Funds can be given to a spouse or common-law partner for them to invest in their TFSA.

 

TFSA assets can generally be transferred to a spouse or common-law partner upon death.

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