Your Investment Planning Options
Finally you get the TRUTH
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"You don’t have to be out of debt to rollover an existing investment to a better return"
"You don’t have to be out of debt to rollover an existing investment to a better return"
Working with an investment advisor
Working with an investment advisor
They advise, you make decisions. You are paying them for advice and the ability to teach you enough to make smart decisions about your investments. You are not handing over this responsibility because they are professionals. Retain ownership and responsibility for all final decisions.
They advise, you make decisions. You are paying them for advice and the ability to teach you enough to make smart decisions about your investments. You are not handing over this responsibility because they are professionals. Retain ownership and responsibility for all final decisions.
Don’t invest in anything unless you can easily explain how the investment works to someone else. If you can’t communicate easily with your financial advisor, find one that does a better job of communicating. Take your time and make wise decisions.
Don’t invest in anything unless you can easily explain how the investment works to someone else. If you can’t communicate easily with your financial advisor, find one that does a better job of communicating. Take your time and make wise decisions.
A note on Separate Account Managers: I will never use these. They are third party investment professionals that buy and sell stocks or mutual funds on your behalf. Do what is best for you and stick with a team of managers of large and experienced staff.
A note on Separate Account Managers: I will never use these. They are third party investment professionals that buy and sell stocks or mutual funds on your behalf. Do what is best for you and stick with a team of managers of large and experienced staff.
We Recommend - Guaranteed Investment Funds
We Recommend - Guaranteed Investment Funds
Also called Segregated Funds. Here’s our team approach. We select guaranteed investment funds that have a winning track record of more than 5 years and preferably more than 10 years. We don’t look at their 1 year or 3 year track records because we think long term. We spread investing evenly across four types of funds. That means we put 25% of investments into each of the following:
Also called Segregated Funds. Here’s our team approach. We select guaranteed investment funds that have a winning track record of more than 5 years and preferably more than 10 years. We don’t look at their 1 year or 3 year track records because we think long term. We spread investing evenly across four types of funds. That means we put 25% of investments into each of the following:
• Growth and Income Funds
• Growth and Income Funds
• Growth Funds
• Growth Funds
• International Funds
• International Funds
• Aggressive Growth Funds
• Aggressive Growth Funds
AVERAGE ANNUAL RATE OF RETURN 11.8%
AVERAGE ANNUAL RATE OF RETURN 11.8%
Now for the latest on PROs AND CONs OF YOUR OPTIONS
Now for the latest on PROs AND CONs OF YOUR OPTIONS
Single Stocks
Single Stocks
Haven't found a PRO yet. We do not recommend single stocks and do not suggest single stocks as part of your investment plan. Over the long term, single stock investors don’t consistently generate returns as high as guaranteed investment funds. If you really want to own a single stock, limit it to no more than 10% of your investment portfolio. They are subject to extremes. Your golfing buddy has not figured it out.
Haven't found a PRO yet. We do not recommend single stocks and do not suggest single stocks as part of your investment plan. Over the long term, single stock investors don’t consistently generate returns as high as guaranteed investment funds. If you really want to own a single stock, limit it to no more than 10% of your investment portfolio. They are subject to extremes. Your golfing buddy has not figured it out.
Certificates of Deposit (CDs)
Certificates of Deposit (CDs)
PRO: short term only
PRO: short term only
CON: CDs are not good for long term investing. They offer a low return rate, carry penalties for early withdrawals, and have a significant lack of access. We recommend CDs only for short term savings if it allows access without penalties. Actually the are a fancy receipt, that say's
CON: CDs are not good for long term investing. They offer a low return rate, carry penalties for early withdrawals, and have a significant lack of access. We recommend CDs only for short term savings if it allows access without penalties. Actually the are a fancy receipt, that say's
"Hey, I made a bank deposit"
"Hey, I made a bank deposit"
Bonds
Bonds
PRO: Investment ?
PRO: Investment ?
CON: pays you usually less than the rate of inflation. We do not suggest any bonds. Despite their stereotype, single bonds can be very volatile, can go down in value, Like Enron and go broke. they have lower returns. Not what you need or want.
CON: pays you usually less than the rate of inflation. We do not suggest any bonds. Despite their stereotype, single bonds can be very volatile, can go down in value, Like Enron and go broke. they have lower returns. Not what you need or want.
Fixed Annuities
Fixed Annuities
PRO: if your 80+ years old.
PRO: if your 80+ years old.
Good for the company not you Simply put, stay away from fixed annuities!
Good for the company not you Simply put, stay away from fixed annuities!
Virtually impossible to access any funds while your living,
Virtually impossible to access any funds while your living,
Low returns, High fees, once you give them the cash they
Low returns, High fees, once you give them the cash they
control it not you.
control it not you.
Variable Annuities (VAs)
Variable Annuities (VAs)
VAs are savings contracts with a life insurance company. The primary benefit of VAs is the tax deferred growth. However, RRSPs, TFSAs and Traditional self directed RSP offer tax deferred growth without the additional costs that VAs charge. VAs charge penalties and taxes for early withdrawals , we do not suggest VAs.
VAs are savings contracts with a life insurance company. The primary benefit of VAs is the tax deferred growth. However, RRSPs, TFSAs and Traditional self directed RSP offer tax deferred growth without the additional costs that VAs charge. VAs charge penalties and taxes for early withdrawals , we do not suggest VAs.
Exchange Traded Funds (ETFs)
Exchange Traded Funds (ETFs)
I don’t own ETFs and I do not suggest them as part of your investment plan. ETFs are baskets of single stocks that intend to operate like mutual funds. Sounds good in theory but they are not guaranteed Investment funds. If you have too cause your babysitter said so. limit to 10% of portfolio.
I don’t own ETFs and I do not suggest them as part of your investment plan. ETFs are baskets of single stocks that intend to operate like mutual funds. Sounds good in theory but they are not guaranteed Investment funds. If you have too cause your babysitter said so. limit to 10% of portfolio.
Real Estate Investment Trusts (REITs)
Real Estate Investment Trusts (REITs)
As a category, REITs just don’t stack up to good growth guaranteed investment funds. We do not recommend any REITs and don’t suggest them for you. If you really want to invest in REITs, limit them to no more than 10% of your local investment portfolio.
As a category, REITs just don’t stack up to good growth guaranteed investment funds. We do not recommend any REITs and don’t suggest them for you. If you really want to invest in REITs, limit them to no more than 10% of your local investment portfolio.
Equity Indexed Annuities
Equity Indexed Annuities
Equity Indexed Annuities contractually agree to limit your loss while you agree to limit your gains. We do not recommend these, very high commission, penalties etc etc..
Equity Indexed Annuities contractually agree to limit your loss while you agree to limit your gains. We do not recommend these, very high commission, penalties etc etc..
Guess which line you will receive , other people prosper.
Insurance: Life, Disability and Long Term Care (LTC)
Insurance: Life, Disability and Long Term Care (LTC)
I recommend purchasing 15 year (or longer) term life Insurance that’s equal to 8 - 10 times your annual income, cover debts for sure. We strongly suggest purchasing long term disability insurance in the event you become disabled if it is affordable. Make LTC a part of your plan when you turn 60.
I recommend purchasing 15 year (or longer) term life Insurance that’s equal to 8 - 10 times your annual income, cover debts for sure. We strongly suggest purchasing long term disability insurance in the event you become disabled if it is affordable. Make LTC a part of your plan when you turn 60.
Need more details? Contact us
Need more details? Contact us
We are here to assist.
"Wealth Management"
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Ph 306 292-3734 TF: 1-877-888-9403
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