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Investment Advice

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Investment Planning from Desjardins Financial Security Independent Network

When it comes to managing your assets and securing your investment future, partnering with seasoned experts is essential. At Desjardins Financial Security Independent Network (DFSIN Toronto West), our dedicated team offers comprehensive investment planning and tailored savings solutions to address a wide range of investment needs.

At DFSIN Toronto West, our primary objective is to safeguard your retirement income, preserve your estate, and optimize your savings while ensuring your investment objectives are met.

Exploring the Various Aspects of Investment Planning & Management in Canada

When it comes to investment planning and management, there are a variety of different aspects to consider, such as:

  • Estimating your life expectancy: Having a clear idea of your life expectancy will help you manage your assets when working with a trusted investment advisor. Some of the things that will affect it include the life expectancy of your gender, your state of health, whether you or a family member has ever been diagnosed with a critical illness, as well as other factors, like what age you plan to retire.
  • Determining Your Financial Health & Well-Being Zone: Determining your financial health and well-being zone is one of the best estate planning places to start. This entails assessing whether you have the right life and health insurance coverage, estimating your financial security, and determining whether you’ve made all the right moves in planning for retirement.
  • Planning Your Retirement: Piggybacking off of the point above, taking an in-depth look at your retirement plans is essential. Doing so will give you a good idea of what type of resources you’ll need to be comfortable down the road. Do you want to travel when you retire, start a big new project or spend it with family relaxing? All of these should play a big part in planning for the future.
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The Value of a Trusted Advisor

When it comes to your investment planning, nothing is more valuable than working with one of the trusted advisors from DFSIN Toronto West. 

  • Comprehensive Resources: Our experienced advisors possess a wealth of resources to assess your assets and devise a tailored investment strategy that aligns with your expectations.
  • Accessible Expertise: Our advisors are readily available to address your queries, ensuring that you make informed investment decisions and are fully aware of the associated risks and rewards.
  • In-Depth Insights: Our trusted advisors can provide you with a deeper understanding of your options, such as differentiating between mutual funds, renowned for lower fees and diverse investment choices, and segregated funds, offering maturity and death benefits along with market gains protection.

Individual Investment Options Available from DFSIN Toronto West

At Desjardins Financial Security Independent Network (DFSIN – Toronto West), we understand that choosing the right investment strategy is a crucial step in securing your financial future. That’s why we offer a diverse range of investment solutions to meet your unique needs.

1. Guaranteed Investment Funds (GIFs):

Our Guaranteed Investment Funds are a dependable choice for those seeking security and peace of mind. They provide:

  • Guaranteed Returns: GIFs offer secure returns, ensuring your retirement and estate remain protected.
  • Cost-Effective Savings: These funds offer an affordable way to safeguard your savings, making them an ideal choice for those looking to protect their financial future without breaking the bank.
  • Enhanced Payout Flexibility: GIFs can be customized to suit your specific requirements, making it easier for your family to access funds in the event of your passing.
  • Inflation and Market Protection: Some of our GIF plans include tools to shield your assets against the effects of inflation and market downturns, providing an added layer of security.

2. Fixed-Rate Term Investments:

For those seeking a reliable and predictable return, our Fixed-Rate Term Investments are an excellent choice. Here’s what they offer:

  • Guaranteed Returns: You can count on a guaranteed return at maturity, giving you peace of mind in uncertain market conditions.
  • Market Downturn Protection: Fixed-rate term Investments shield your investment from market fluctuations, ensuring your capital remains intact.
  • Compatibility: These investments are compatible with a variety of plans, including RRSPs, TFSAs, and non-registered accounts.
  • Pension Income Benefits: If you’re aged 65 or older, you may be eligible for pension income tax credits or pension income splitting, further enhancing your financial stability.

3. Market-Linked Term Investments:

Our Market-Linked Term Investments offer the potential for higher returns and flexibility. Here’s what sets them apart:

  • Minimum Return Guarantee: You can enjoy the peace of mind of a guaranteed minimum return, even as your investments are linked to the performance of well-established companies and brands.
  • No Management Fees: Market-Linked Term Investments come with the advantage of no management fees, ensuring that more of your money works for you.
  • Eligibility for Registered Savings Plans: These investments are eligible for registered savings plans, allowing you to maximize your tax advantages.

4. Annuities:

Annuities are a secure, long-term financial solution that provides guaranteed income. At DFSIN Toronto West, we manage your savings while you reap the benefits, including:

  • Predictable Income: Annuities offer a predictable, guaranteed income stream, shielding you from market volatility and economic uncertainty.
  • Flexible Payout Options: Depending on your preferences, you can choose to receive regular payments for a set period or until the end of your life, ensuring financial stability for you and your loved ones.

5. Registered Retirement Savings Plan (RRSP):

Designed for individuals under 71 with taxable income, RRSPs offer numerous advantages:

  • Financial Flexibility: RRSPs allow you to allocate a portion of your funds to various purposes, such as paying for education, purchasing or building a home, or saving for retirement.
  • Tax Savings and Refunds: You can take advantage of valuable tax savings and refunds, helping you maximize your retirement savings.

6. Tax-Free Savings Account (TFSA):

Our Tax-Free Savings Account (TFSA) is a flexible and tax-efficient investment option:

  • Tax-Free Interest: Earn tax-free interest on your investments, helping your savings grow without the burden of taxes.
  • No Age Limit: There’s no age limit for contributing to a TFSA, making it an excellent choice for individuals looking to continue saving even during retirement.
  • Income-Tested Credits and Benefits: Withdrawals from your TFSA do not affect your eligibility for income-tested credits or benefits, ensuring financial security.

Let us be your investment planning and management experts; contact DFSIN Toronto West today!

Are you saving for retirement or putting money away for the future? If so, working with a trusted financial advisor is one of the best ways to ensure your assets are safe, secure, and generate the most returns possible.

We serve all of:

  • Brampton
  • Mississauga
  • Etobicoke
  • Oakville
  • Burlington

To learn more about how to make this happen with our investment planning services, contact the team of Financial Advisors from DFSIN online today for a FREE assessment or call (416) 695-1433.

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