Investments and retirement

Your savings deserve to grow. And to be protected.

Will government retirement benefits be enough to support the lifestyle you want? Since 1976, we have helped clients with investment solutions that combine growth potential and capital guarantees, depending on the product and its terms.

Discuss your investment goals

Plans and products we offer

RRSP and RRIF

An RRSP lets you save for retirement while deferring tax. A RRIF then turns those savings into income, taxed as you withdraw it.

TFSA

Investment income grows tax-free and withdrawals aren’t taxed, within your contribution room.

RESP

Save for your children’s post-secondary education, with the federal and Quebec grants (CESG and QESI) you qualify for.

Annuities

Income paid by the insurer, for life or for a set period, depending on the contract.

How segregated funds work

Offered by life insurance companies, segregated funds are insurance contracts whose savings are invested in investment funds.

Their value follows the markets: it can go up or down, and returns are not guaranteed. In exchange, the contract provides guarantees on the amounts invested.

Guarantees set out in the contract

Depending on the contract:

At maturity: a guarantee of 75% or 100% of deposits, usually after at least 10 years
At death: a guarantee of 75% or 100% of deposits, depending on the contract and the age of the insured
Paid directly to named beneficiaries, outside the estate
Eligible for RRSPs, RRIFs, TFSAs and non-registered accounts

Beneficiaries, fees and conditions

You can name one or more beneficiaries, revocably or irrevocably. Depending on the circumstances, a beneficiary designation may also protect the capital from creditors.

These guarantees come at a cost: management fees are generally higher than for mutual funds. Withdrawals before maturity reduce the guarantees, and surrender charges may apply. Before you decide, we go over the fund facts and information folder with you.