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.
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:
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.