A significant component of most investment portfolios, mutual funds may fit into your financial security plan. Mutual funds allow individuals to pool their savings in a diverse portfolio of investments managed by professional money managers.
For mutual fund information, click here.
Quadrus Investment Services Ltd., offers you a range of planning tools and support to help meet your investment needs.
- RESPs, RRSPs and RRIFs
- labour-sponsored investment funds
- corporate class mutual funds
- Fusion™ investment program (dealer wrap)
- charitable giving program
- tax-efficient monthly cash flow with D series mutual funds
- tax-free savings accounts (TFSA)
- Registered Disability Savings Plans (RDSP)
Through Quadrus Investment Services Ltd., we have access to thousands of mutual funds, including the Quadrus Group of Funds – an exclusive mutual fund family that offers clients a multi-managed, multi-style approach by some of the world’s leading investment managers.
Make your investment decisions wisely. Important information about mutual funds is found in the funds’ simplified prospectus. You can obtain a copy of this from your investment representative. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.
Quadrus, Quadrus and design, Quadrus InvestmentServices Ltd. and design, Quadrus Group of Funds and Fusion are trademarks of Quadrus Investment Services Ltd. used with permission.
Segregated fund policies
Segregated fund policies are long-term investments that offer capital guarantees. By pooling money from thousands of investors, professional investment managers invest in a variety of individual securities. Since they’re only available through an insurance policy, segregated fund policies have several features and benefits that make them different from mutual funds.
Note: Any amount allocated to a segregated fund policy is invested at the risk of the policyholder and may increase or decrease in value.
For more information about segregated fund policies, click here.
Benefits of segregated fund policies
Put the benefits of segregated fund policies to work for you.
Lifetime income benefit option
Take control of your retirement and income by guaranteeing your income for life. With the lifetime income benefit option, your income won’t decrease regardless of how the segregated funds perform unless excess withdrawals are taken. You get protection against the risk of outliving your money, market volatility and inflation.
Death benefit and maturity guarantees
Segregated fund policies protect part or all of your capital investment. They guarantee the value of the policy on its maturity date, as well as the value received on the death of the last insured person.
When you designate a beneficiary other than your estate, the value of your segregated fund policy flows directly to him or her, generally bypassing the estate and potential probate fees, if any.
Potential creditor protection
Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors. It’s important to note that creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary in each province; it can never be guaranteed.
Features and guarantees vary by policy and age of annuitant and some limitations apply. Maturity and death benefit guarantees are reduced proportionately by withdrawals.
A description of the key features of the segregated fund policy is contained in the information folder.
Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.
Financing a home may be the biggest financial decision you make. As your financial security advisor, I can help you make the right decision by helping tailor a mortgage to your financial security plan. I work with a London Life mortgage planning specialist, who has the knowledge and experience to help select a mortgage that works for you.
Other investment products
I also offer a range of specialized investment products, including:
- Specialized investment solutions
- Registered education savings plans (RESPs)
- Registered retirement savings plans (RRSPs)
- Registered retirement income funds (RRIFs)
- Guaranteed interest options and payout annuities
Along with helping you build and manage your investments, I can help you choose insurance products to minimize financial risk to you and your family.
Individual life insurance
Having the right life insurance protection can make a huge difference in your life, and the lives of those close to you. A financial security plan that includes life insurance can ensure you leave your estate financially secure, and avoid debts and an inadequate income for your family.
Accidents and illnesses are unfortunate facts of life. Disability insurance coverage is designed to help protect your most valuable asset – your ability to earn an income, which can be jeopardized if tragedy strikes.
Critical illness insurance
A critical illness or condition, such as heart attack, cancer or stroke, can turn your life upside down. It can affect you physically, emotionally and financially. Insurance can protect both you and those close to you from the financial effects of a critical illness.
Health and dental insurance
Provincial governments continue to cut back their levels of healthcare coverage, leaving you to pay for expenses such as prescription drugs, eye exams and paramedical services. I can help you build a plan that supplements your provincial government plan.
Many people don’t consider daily banking needs a part of their long-term financial security plan. However, the right banking products, integrated in your overall financial security plan, can have the potential to get your money working harder and smarter.
Solutions Banking™ is a smart alternative to traditional banks: straightforward and competitive with the convenience of around-the-clock banking.
With Solutions Banking™ products and services, you can continue to rely on your financial security and investment representative to identify your long-term goals and new ways to save money, unlocking powerful wealth-building strategies to help you achieve your financial security goals sooner.
Solutions Banking™ products and services, provided by National Bank of Canada, include:
- Bank accounts
- Loans and lines of credit
™Solutions Banking products and services are distributed by Freedom 55 Financial, a division of London Life Insurance Company and is a registered trademark of Power Financial Corporation. National Bank of Canada is a licensed user of these trademarks.
Solutions Banking products and services are provided by National Bank of Canada.