Category: Investments

Segregated Funds and What They Mean for your Client

The seg-fund space has evolved considerably in recent years and where all types of equity, fixed income and balanced mandates used to only exist as a mutual fund, they now have an analogue in the segregated fund realm as well. Using a segregated fund as an investment vehicle opens the door to a host of features for your client and offers them protection throughout their life and beyond. Most of these features are unique to insurance-based investment products and may not be available through traditional investments like a GIC or mutual fund. So what are some of these great features of a segregated fund? Continue reading “Segregated Funds and What They Mean for your Client” →

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Your Segue into Segregated Funds

How a Spousal RRSP Can Benefit Your Client

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A spousal* RRSP is exactly what it appears to be, quite simply a Registered Retirement Savings Plan (RRSP) for a spouse; a plan that can not only help your client and their spouse set aside funds for their retirement, but can save them some tax dollars in the process. The general idea of the spousal RRSP is that one person, typically the higher earner, contributes money to the plan on behalf of their spouse. The main benefit for your client is that a contribution can be made each year (subject to your client’s contribution limit) and their spouse will see a tax-free return until those assets are withdrawn. Continue reading “How a Spousal RRSP Can Benefit Your Client” →

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The ABCs of Spousal RRSPs

Capital Required for Income

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The age-old question when planning for retirement is ‘how much do I need to save’. This calculator asks your clients how much annual income they’d like in retirement and for how long and gives them an idea of how much capital they’ll need to save before retirement to make their dream a reality.

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Capital Required for Income