In most cases, we receive compensation like most Mutual funds representatives, through the embedded management expense ratios (MERs) of the mutual funds.
Your RRSP contribution limit is 18% of earned income you reported on your tax return in the previous year.
Saving and investing for your retirement takes time, skill, and effort. You may manage on your own, but there is a tremendous amount of knowledge gained and time saved by working with an experienced team. Our company recently celebrated our 40th anniversary, and we love to share the knowledge we have gained throughout the years. Your time is valuable, and we appreciate it if you want to spend less time worrying and more time with your loved ones or doing things that bring you joy.
Investments in your RRSP should reflect how much time you have to save and your risk tolerance, while complementing your entire investment portfolio. As a general rule, your 20s-40s are strategic years to have a portfolio with a higher risk tolerance because, should there be any volatility in the market, you have plenty of time to recover. The closer you are to retirement, ideally the safer your portfolio becomes because one bad market year can have a serious impact on your investments. Our Certified Financial Planner meet with you to determine your risk tolerance to tailor a portfolio that’s best suited to your goals while evaluating these needs year over year.
You are still eligible for an RRSP if your employer offers a pension. However, you should discuss all options with your Certified Financial Planner, as perhaps a TFSA could be more warranted. That said, complementing your pension with an RRSP can provide additional benefits, including withdrawing funds for the Home Buyers’ Plan. Our team can provide guidance on maximizing your pension and RRSPs to fund your financial future strategically.
Mutual funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.
The particulars contained herein were obtained from sources which we believe reliable but are not guaranteed by us and may be incomplete. The opinions expressed have not been approved by and are not those of Investia Financial Services Inc. This website is not deemed to be used as a solicitation in a jurisdiction where this Investia representative is not registered.
Mutual funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.
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Mutual funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund, exempt market product, and/or exchange traded fund investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund, exempt market product and exchange traded fund investments are not guaranteed, their values change frequently, and their past performance may not be repeated.
Segregated fund products are offered through Investia Financial Services Inc. and/or multiple carriers. Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.
Guaranteed Investment Certificates (GICs) are offered through Investia Financial Services Inc. and/or multiple carriers.
