Investments

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As independent brokers we offer the full spectrum of the following investment structures...

• RRSPs
• Group RRSPs
• Non-Registered Investments
• Informal Trust Accounts.

Within each of these structures, we offer the following investment vehicles...

Mutual Funds

A mutual fund is simply a financial intermediary that allows a group of investors to pool their money together with a predetermined investment objective. The mutual fund will have a fund manager(s) who is responsible for investing the pooled money into specific securities (usually stocks or bonds). When you invest in a mutual fund, you are buying shares (or portions) of the mutual fund and become a shareholder of the fund. The manager is a designated professional in the area of the mutual funds objectives.

Segregated Funds

Like a mutual fund, a seg fund pools money from many investors so it can be managed by a team of professionals. However, seg funds are actually insurance contracts with two components: an investment that produces the return and an insurance contract that covers the risk. Unlike mutual funds, seg funds guarantee either 75% or 100% of your principal. A small part of the fund’s assets goes to ensure there will be enough cash to ensure that guarantee. Seg funds have some other advantages over mutual funds including creditor protection. Like all insurance contracts, they also allow you to name a beneficiary. Upon death, the fund is paid directly to the beneficiary without passing through probate.

GICs

Guaranteed Investment Certificates are interest bearing investment certificates usually issued by banks or insurance companies that pay a fixed rate of interest for a specified period of time.

Annuities

A contract that provides for a series of payments to be made or received at regular intervals. An annuity may be immediate, starting as soon as the premium has been paid, or deferred, starting at a designated later date. Annuities are commonly used to fund retirement and can be a very attractive option for those seeking steady income that are risk averse.

Venture Capital Funds

These funds offer very attractive government sponsored tax benefits (usually a 15% provincial and a 15% federal credit). Venture Capital Funds often invest in innovative enterprises or research, often in high technology, in which both the risk of loss and potential for profit may be considerable.

Linked Notes

Essentially, a bond whose return on investment is tied to the underlying holding (usually mutual funds or equities). These notes usually offer minimum guarantees for return on investment.

Please click here for some helpful Financial Calculators and Planning Tools.

Please Contact Us for further information.