General Office: 306-956-3837

114B - 3502 Taylor St E
Saskatoon, Saskatchewan
SK S7H 5H9 Canada

Invest

Investments can play a key role in your financial security plan. For individuals, a mix of registered and non-registered savings, income and pension plans can help achieve short- and long-term goals. For employee groups, I can offer advice on registered and non-registered savings and pension plans.

 

RRSPs and RESPsTOP

A registered retirement savings plan (RRSP) has several advantages. For investors under 72, it can allow tax-deferred compound interest and help accumulate savings to achieve long-term retirement goals. It also allows for a variety of choice of specific investment options. For families with children, a registered education savings plan (RESP) can help finance post-secondary education.

Some of the advantages of RRSPs and RESPs include:

  • Tax-deductible RRSP contributions
  • Tax deferral of compounding income and growth
  • Based on a family’s net income and the amount contributed, a government RESP grant is available
  • When money is withdrawn from an RESP, the student typically pays little tax, due to a low income tax rate

Working together, we can examine RRSP and RESP investment options in order to build a customized portfolio that takes into consideration your financial security goals, tolerance to risk and timeline. Contact us today to find out more.

 

Segregated fund policiesTOP

In a segregated fund policy, professional fund managers invest in a variety of individual securities. Depending on the performance of the segregated funds you select, your investment’s unit values will increase or decrease.

As a form of life insurance, it’s important to note that segregated fund policies have distinct advantages for some investors. These can include:

  • Potential for creditor protection
  • Savings on potential probate fees
  • No trustee fees

I have access to a wide variety of segregated funds. Contact us today to discuss how they might strengthen your investment portfolio, and to receive an information package about segregated funds.

Note that any amount allocated to a segregated fund may increase or decrease in value, and is invested at the risk of the policyholder.

 

Mutual fundsTOP

Mutual funds can be a key component of a diversified investment portfolio. Managed by professional investment managers, mutual funds allow individual investors with common objectives and risk profiles to pool their savings in a portfolio of investments. This allows for an investment portfolio that is diversified among different companies and industries in Canada and around the world. Advantages of this strategy include:

  • Liquidity
  • Diversification
  • Potential for increased returns
  • Expertise of professional investment managers
  • Increased purchasing power from pooled savings

Contact me to access products that are offered by leading mutual fund companies. I will work with you to build a portfolio tailored to your financial security needs and goals.

Learn more about how mutual funds can build your financial security plan—contact me today.

Always remember the importance of careful decision-making when choosing investments. Before investing, carefully read through a mutual funds’ prospectus for important information about mutual funds. Remember that commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Mutual funds are not guaranteed, and since their values change frequently, past performance may not be repeated. Investment returns and unit values will fluctuate.

 

Group retirement and savings plansTOP

For business owners, group retirement and savings plans can play a key role in attracting and retaining quality employees.

Just like you, your dedicated employees are working towards a safe, secure future. Either provided independently or paired with group benefits, a group savings plan is a convenient, flexible and affordable way to help your employees reach their long-term financial goals.

Employees gain instant tax savings for their Group RRSP contributions, since they are made using pre-tax payroll deductions. They also receive the peace of mind that comes from knowing every month they are building towards retirement.

I can help you and your valued employees choose group retirement and savings products. We will design an investment plan tailored to fit the needs of everyone involved. Choose from products like:

  • Registered retirement savings plans designed specifically for groups
  • Deferred profit sharing plans
  • Defined contribution pension plans
  • Non-registered savings programs

Contact us today to learn about how group retirement and savings plans can benefit your business.

*Mutual funds distributed through Desjardins Financial Security Investments Inc.

Desjardins Financial Security Investments Inc. (DFS Investments) is a corporate body separate and apart from Desjardins Financial Security.

DFS Investments is a mutual funds and an exempt market dealer registered in every Canadian province except in Manitoba. It is also registered in every Canadian province for the distribution of insurance products. DFS Investments' representatives may be qualified to provide advice on mutual funds, exempt market products and other investments products, among other things. 

In Québec, DFS Investments is also registered as a restricted dealer,
a group insurance of persons and a financial planning firm.  

Unless otherwise indicated, investments in products distributed by DFS Investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Financial Security, and their value is subject to market fluctuations.

Life and health insurance products are provided by Sean Morton through Performance Financial Services Inc. Life and health insurance products and services are not available through Desjardins Financial Security Investments Inc. (DFS Investments) nor are the insurance plans or services available and/or offered on this site supervised or reviewed by DFS Investments. DFS Investments is the Mutual Fund Dealer through which mutual fund products and services are provided. 

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