WEALTH MANAGEMENT
Turn Your Dreams into a Plan
Your wealth, life, and goals are unique. Whether you're aiming to protect and grow your assets for future generations, succeed in your business ventures, or prepare for the unexpected, Cole Wealth Management Inc. is here to guide you every step of the way.
Let our deep understanding of what matters to you turn your challenges into opportunities.
Benefits of Investing in Mutual Funds
A mutual fund is a collection of investments, such as stocks or bonds, within a single fund. This allows you to invest in multiple companies or bonds simultaneously. By pooling your money with other investors, mutual funds provide diversification and are managed by professional money managers, helping to reduce your investment risk.
Diverse Options
Investing in a single company, industry, or security isn't always the best strategy. Mutual funds enable you to diversify your investments across various companies, industries, bonds, and other securities.
Funds When You Need Them
Mutual fund units can typically be redeemed or "cashed out" at any time. The redemption value depends on the fund's sales charges and the unit value on the day of redemption, which may be higher or lower than the original purchase price.
Cost-Effective
Investing in mutual funds allows you to access a variety of securities at a fraction of the cost of purchasing them individually, with costs shared among all investors.
We can help you select mutual funds based on your risk tolerance and individual investment goals, keeping you in control. Your mutual fund choices can be updated as your life changes.
Quadrus Investment Services Ltd. offers a range of planning tools and support to meet your investment needs, including:
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Registered Retirement Savings Plans (RRSP)
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Registered Education Savings Plans (RESP)
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Registered Retirement Income Funds (RRIF)
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Labour-sponsored investment funds
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Corporate class mutual funds
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Charitable giving program
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Tax-efficient monthly cash flow with D series mutual funds
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Tax-free savings accounts (TFSA)
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Registered disability savings plans (RDSP)
Through Quadrus Investment Services Ltd., we have access to thousands of mutual funds, including Canada Life Mutual Funds™ – an exclusive mutual fund family that offers clients a multi-managed, multi-style approach by some of the world's leading investment managers.
Make your investment decisions wisely. Important information about mutual funds is found in the funds' simplified prospectus. You can obtain a copy of this from your investment representative. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.
Benefits of Investing in Segregated Funds
A segregated fund is a pool of money spread across various investments, managed by experts to help diversify your savings and protect them from market fluctuations. Depending on your investment amount, there are a broad range of series choices with different fee structures.
Guaranteed Savings Protection
Choose from our guarantees for maturity and death benefits, either 75% or 100% of the amount invested, to ensure your savings remain protected. If your investment is worth less than its guaranteed value at maturity or upon your death, the insurance protection will cover the difference, proportionally reduced by any withdrawals.
Diverse Portfolio
Invest in one of the widest selections of segregated funds in Canada, managed by award-winning investment managers. An advisor can help you choose based on your risk tolerance and financial goals.
Estate Bypass
By designating a beneficiary other than your estate, the value of your segregated fund policy can flow directly to them, generally bypassing the estate and potential probate fees.
Potential Creditor Protection
Segregated fund policies may be protected in the event of bankruptcy or other creditor actions. However, creditor protection depends on court decisions and applicable legislation, which can vary by province and are subject to change.
Canada Life™ offers one of the widest selections of segregated funds in Canada, managed by award-winning investment managers. Our disciplined and thorough review and monitoring process means you can confidently and credibly offer these funds to your clients. We believe this new, curated shelf is relevant, competitive and positioned to win.
Features and guarantees vary by policy and age of annuitant and some limitations apply. Maturity and death benefit guarantees are reduced proportionately by withdrawals.
A description of the key features of the segregated fund policy is contained in the information folder.
Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.