Investments | Life Insurance 4U

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Saving & Investments
RESP & RRSP:

Blend of Saving and Investments.

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TFSA (Tax-Free Savings Account)

helping you to save money Tax-free.

Key Benefits of TFSA

Pros of TFSA Investments

Any growth and withdrawals are Tax-free.

Saving for a special day

Great vehicle to save for that special occasion.

Keeping Up Appearances

The room for any money withdrawn, will be reinstated.

Don’t make money the obstacle in giving your kids a brighter future. Add feathers to their higher education and career by availing a quote today!

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RESP (Registered Education Savings Plan)

Registered Education Savings Plan, helps you to plan, financially, for your child’s education into the future.

Key Benefits of RESP

Money for Education

Savings and Grants for future education costs.

Expert Advisors

Keeping up to date with current contract changes

Secure Children’s Future

Give your child that financial head start.

Don’t make money be the obstacle in giving your kids a brighter future. Add feathers to their higher education and career by availing a quote today!

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RRSP (Registered Retirement Savings Plan)

Registered Retirement Savings Plan, helps you to plan for your retirement, in a tax-efficient manner

Key Benefits of RRSP

Secured Old Age

Live the life you always dreamed of, in retirement.

Tax Deferral Plan

Your contributions, provide a tax-free benefit.

Solid Retirement Investment

Cash, to secure your financial future.

Before you retire, consider all your future bills and financial goals to avoid potentially running out of money. The earlier you start saving the more secure your retirement will be .

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Segregated Funds

Segregated funds give your money the chance to grow, while providing built-in guarantees to keep it safe.

Key Benefits of Segregated Funds

Guarantee Your Original Investment

The death benefit guarantee ensures a specific percentage of the value of your investment will be passed on to your beneficiaries.

Lock-in The Market Gains

When markets go up, some segregated funds let you “reset” the guaranteed value of your investment.

Protect Your Money from Creditors

If you own a business, talk to your financial or legal advisor to see how segregated funds could protect your money.

Want to protect, grow and preserve your money? Segregated funds come with their own set of unique features.

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responses to questions

FAQ!

I don't have a lot to invest. Are segregated funds for me?
You can start investing in Guaranteed Investment Fund (GIF) for as little as $50 per month when you set up a pre-authorized debit (PAD) plan.
What types of accounts can I hold GIFs in?
You can hold Guaranteed Investment Funds (GIFs) in a number of account types, including Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), non-registered plans, locked-in plans and Registered Retirement Income Funds (RRIFs).
How do resets work?
If a segregated fund has a “reset” option, you can reset the guaranteed value of your contract when the market value becomes higher than the original value (or “book value”) of your investment. This reset function allows you to keep pace with market growth. Generally, when the reset feature is used, the maturity date will also be reset.
I don't qualify for life insurance. Can I hold a segregated fund?
Yes. Segregated funds are actually ideal investment solutions for individuals who don’t qualify for life insurance. That’s because they offer death benefit guarantees that ensure your beneficiaries will receive a guaranteed percentage of your original investment (less any withdrawals and fees) upon your death. There is no medical checkup or underwriting required.
Can I access my money before the maturity date?
Yes, you can withdraw from a segregated fund before the maturity date, however your guarantees will be affected. They will be proportionately reduced by any withdrawals or fees applicable to the withdrawal.
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This may all seem confusing at first but we are here to advise you on the best option available for you and your loved ones.

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