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Make sure your investments are protected!
In a world of uncertainty, wouldn’t protecting your investments be just as important as growing them? We insure and protect what is most valuable to us, such as our lives, our home, and our vehicles. Wouldn’t you also want protect your valuable retirement investment portfolio?… Of course!
PROTECT YOUR INVESTMENTS WITH A GUARANTEED INVESTMENT FUND (GIF) or SEGREGATED FUND!
Guaranteed Investment Funds (GIF), also known as segregated funds, allow you to benefit from the growth potential of mutual funds and the protective features of insurance. These protective features are only available through an insurance company.
To provide investors with the opportunity for market appreciation and the accumulation of wealth for retirement.
Segregated funds are suited for individuals who are interested in long-term growth for purposes such as retirement planning. Self-employed individuals and the mature market are also ideal candidates for segregated funds because of the potential creditor protection and estate planning advantages.
Maturity Guarantee: Invest with peace of mind knowing that 75% or 100% of your initial deposit will be returned at the maturity date in the event of a market downturn.
Locking-in Gains: Lock in gains through “resets” resulting in higher maturity and death benefit guarantees.
Death Benefit Guarantee: Beneficiaries are guaranteed at least 100% of your principal investment. Locking in gains through resets provides the ability to increase your death benefit guarantee.
Creditor Protection: In certain circumstances, the assets held inside segregated funds may be protected from creditors. Small business owners, entrepreneurs, professionals and other investors may shield their assets from creditors, preserving their savings for themselves and their families.
Estate Planning Benefits: In the event of death, the investment proceeds pass quickly and directly to your beneficiary without the delays and cost of probate.
Liquidity: Most segregated funds allow policyholders to withdraw up to 10% of the segregated funds value (up to 20% for retirement income plans) without penalty.
Outstanding Selection of Funds: Funds from the world’s most respected asset management firms allows for a fully diversified guaranteed portfolio, including diversification by asset class, geographic region and investment style.
Switches: Ability to switch between funds and fund managers, free of charge. The flexibility to move money as needed, when needed.
Lower MERs: Lower Management Expense Ratios (mutual fund built in fees) means more money in your portfolio to grow.
Opportunity for 100% Equity Leveraging: The security of a segregated fund contract allows you to borrow 100% equity to invest in the market. Participating banks require no collateral or additional security, make no margin calls, and offer loans as low as prime!
RRSP Eligible: Simply transfer your existing RRSP into a Segregated Fund RRSP, tax-free. Let us show you how.
At F1RST CHO1CE Investment Solutions were passionate about sharing our knowledge, experience and unbiased opinions with families and individuals that are looking for a trusted advisor to help them with their Investment Planning options.
Any questions?…Contact a Licensed Investment Advisor today!