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    An investment is when you use your money to purchase an asset you hope will accrue value/income over time. This can be a great strategy given that many of us can expect to spend as much time in retirement as we did working.

    When turning savings into retirement income, you must consider all the financial products available. Our professional advice can help you determine what the best mix of investments is for you.

    Our investment portfolio focuses on

    • GICs
    • Annuities
    • Segregated Funds
    • Guaranteed Minimum Withdrawal Benefit Plans.
    Investments — Meeting


    Guaranteed Investment Certificates (GICs) are fixed income investment products that provide a guaranteed interest rate for a specified period of time (it essentially works like a savings account in that you deposit your money and then earn interest on it over time). The key benefits to this investment vehicle are in its guarantee and security…

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    Investments — Table of Numbers


    An annuity is an investment that pays a guaranteed income for a specified period of time (e.g. 5 years, 10 years or life). The amount of the payment is usually based on the investor’s age and gender as well as the current interest rate environment. Annuity income can also be increased if the investor has serious health concerns…

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    Investments — Calculator & Pen

    Segregated Funds

    If you like investing in the marketplace but would also like the expertise of professional money managers, you may want to consider a segregated fund. Like mutual funds, segregated funds offer the investor the option to invest in different asset classes and fund types…

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    Investments — Stock Graphs

    Guaranteed Minimum Withdrawal Benefit Plans (GMWB)

    GMWB plans are very popular. They offer annual bonuses, market participation and the ability to lock in growth every few years. Further, once a client elects to take income, these plans offer a reliable, steady and guaranteed income for life, regardless of market volatility…

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    Deposit Insurance

    GICs offered by banks and trust companies are insured by the Canada Deposit Insurance Corporation (CDIC), a federal crown corporation, up to $100,000 per unique holder. To learn more about CDIC coverage, please visit www.cdic.ca.

    All credit unions in Ontario are insured by the Financial Services Regulatory Authority of Ontario (FSRA), a provincially owned organization that insures all term deposits up to $250,000. To learn more about DICO coverage, please visit https://www.fsrao.ca/consumers/credit-unions-and-deposit-insurance

    Term deposits with insurance companies in Canada are also covered up to $100,000. Assuris provides coverage for these investments and although Assuris is not government owned, it is well respected and endorsed by the government. To learn more about Assuris coverage, please visit www.assuris.ca.