Ease Your Retirement Worries with Immediate Annuities
The majority of Canadians work hard to accumulate a retirement fund and many are averse to exposing savings to unnecessary market risk after they retire.
In today’s prolonged low interest rate environment, immediate annuities are often dismissed or overlooked as a viable vehicle for providing retirement income. Perhaps they shouldn’t be.
An annuity is an investment that provides a guaranteed income stream for a set period of time or for the lifetime of the annuitant. While annuities may not be for everyone, for those trying to find a way to guarantee income in retirement Immediate Annuities may be the answer. Read more 
The Estate Bond
Growing your estate without undue market risk and taxes
Often we see older investors shift gears near retirement and beyond. Many become risk adverse and move their assets into fixed income type investments. Unfortunately this often results in the assets being exposed to higher rates of income tax and lower rates of return – never a good combination.
Or maybe the older investor cannot fully enjoy their retirement years for fear of spending their children’s inheritance.
The Estate Bond financial planning strategy presents a solution to both of these problems. Read more
Why Invest Through Your Employer?
We manage multiple Group RSP’s and Pension plans at our company, and I am often shocked at how many people are unaware of the benefits of having an Employer Sponsored plan available to them. It is very common for a conversation to include the statement “I invest through my Employer for my monthly matched contribution but I still have (fill in the blank dollar amount) RSP’s at my bank or mutual fund company.”
So that begs the question. Are you better off to leave your other plans separate from your employer plan, or should you consolidate them all into one plan through your work? Read more
Segregated Funds: Investing With A Safety Net
Investing today is not for the faint of heart. Fortunately for Canadians, segregated fund products offered by many life insurance companies provide a safety net for nervous investors.
Segregated Fund products present some interesting opportunities for people looking to get more security in their investment portfolios without sacrificing their potential for growth.
