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Investment Planning

Important factors to consider when investing:


  • Your dreams and desires
  • How much risk you feel comfortable with
  • Your thoughts regarding owning versus loaning
  • Age

Keys to investing:


  • More growth after inflation is the key to building wealth
  • The biggest risk is not to invest at all
  • Diversification decreases the risk (not all in one basket)
  • Start as early as possible
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Before we set up an investment plan, we talk about all of these things and then decide on a plan you are comfortable with.

To give you an idea of the type of investments available, and how time frames and level of risk affect the rate of return, we are going to explain it by using the following examples.
  • Bike
  • Bus
  • Car
  • Jet
  • Super Jet
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Bike


These investments are like short trips (0-5 years).
Benefits:
  • Your full investment is guaranteed, meaning whatever money you put into it you get it all back plus interest.
Risks:
  • Any interest earned is 100% taxable (unless put into a Tax Free Savings Account)
  • The risk is lower but your money may not grow to the level to meet your requirements
bike
Types of Investments Include:
  • money market fund
  • guaranteed investment certificate
  • savings account
  • Canada savings bond
  • term deposit

Bus


These investments are like mid-length trips. Like a bus, if something breaks down someone else fixes it, and it can go short or long distances, but you can't change the direction - less flexibility, less risk (min. 5 years)
Benefits:
  • Less risk than some other investments
Risks:
  • Any interest earned is 100% taxable (unless you put it into a Tax Free Savings Account)
  • Less flexibility and the rate of return is lower because it involved less risk
Types of Investments Include:
  • bonds
  • mortgage
    (bonds and mortgages work well together depending on where interest rates are)
bus

Car


These investments are also mid-length (min. 5 years). Like a car, if it breaks down you fix it, but you have the flexibility to change direction - more flexibility, little more risk.
Benefits:
  • More flexibility and ability to change course
  • It helps enhance your net rate of return because you don't pay as much tax on dividends and capital gains
Risks:
  • More potential risk
Types of Investments Include:
  • dividend stock
  • real estate
car

Jet


These investments are long-term (7+ years). Like a jet, you can go farther and faster.
Benefits:
  • Lots of choice in what you invest in
  • Higher rate of return
Risks:
  • Higher level of risk
  • Funds need to be left in longer-term to experience higher rates in return (investment markets take higher swings in gains and losses)
Types of Investments Include:
  • Canadian equity
  • US equity
  • European equity
jet

Super Jet


These investments are longer-term (7+ years) and the highest potential risk.
Benefits:
  • Lots of choice in what you invest in
  • Potential higher rate of return
Risks:
  • Potentially higher level of risk
  • Funds need to be left in longer-term to experience higher rates in return (investment markets swing between gains and losses)
Types of Investments Include:
  • oil and gas fund
  • China fund
  • India fund
  • Gold fund
  • Emerging markets (typically invests in one market)
super jet

RRSP's are a great tool to shelter money from taxes that are earned on investments


There are also ways to take money out of RRSP's tax free. Financial planners know these methods and can help you save money and increase your financial wealth by utilizing these techniques.

Not sure how you feel about investing?


how you feel about investing chart
There are many emotions involved in investment planning. We are here to explain the best options for you and when is the best time to invest money and when is the best time to take it out.
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  • Home
  • Get Started
  • Your Financial Plan
    • Cash Flow Planning
    • Investment Planning
    • Estate Planning
    • Retirement Planning
    • Insurance Protection
    • Business Services
    • Choosing a Financial Planner
    • Money Mindset Quiz
    • Stewarding Your Money
  • About Us
    • Advisors
    • Client Service Standard
    • Join Our Team
  • Resources
  • Contact