Investments (RRSP, TFSA, segregated funds)
Beyond life insurance, we can help you build a savings and investment portfolio: RRSP for retirement, TFSA for tax flexibility, and segregated funds to diversify and potentially grow your wealth.
Solutions we offer
- RRSP: immediate tax reduction and tax-deferred growth for retirement.
- TFSA: tax-free growth and withdrawals, useful for projects or retirement supplement.
- Segregated funds: investment vehicles offering diversification and return potential.
Tailored support
Every profile is different: goals, investment horizon, risk tolerance. We help you structure a savings strategy that fits your situation and projects (retirement, education, real estate, etc.).
Client example — RRSP and tax refund
Profile
- Isabelle, 40
- Gross annual income: $50,000
- Wants to contribute annually to reduce taxes and prepare for retirement
Strategy — Annual RRSP contribution
5 000 $
Annual RRSP contribution
≈ 1 500 $
Estimated tax refund (~30%)
3 500 $
Real cost for Isabelle
25-year projection with an average 5% return: ≈ 238 000 $ accumulated in the RRSP.
At retirement:
Isabelle can withdraw about $10,000 to $12,000 per year from her RRSP (or RRIF), with potentially lower taxation if her retirement income is lower than her current income.
- ✔Immediate tax reduction every year
- ✔Tax-sheltered growth for 25 years
- ✔Capital available for retirement
- ✔Flexibility: the tax refund can be reinvested or used for other projects