Sure Path Group

Navigating
your path to
Financial Security

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Navigating your
Path to Employee
Benefit Solutions

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Navigating your
Path to Travel
Protection

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Investments

Making every dollar count

Whether you have a RRSP, RIF or TFSA, you have the option to use a variety of different investment options, depending on your needs including mutual funds, segregated funds, GICs, RESP’s, TFSA’s, or a bank account.

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Mutual Funds

John Ponto
Investment Representative

quadrus

Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design, Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. used with permission.

Mutual funds are pools of funds managed by investment experts. They invest the funds capital to produce capital gains and income for the investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives and risk tolerance based on your current and long term needs.

Benefits

  • Access to professionally managed portfolios
  • Diversity
  • Over 6000 funds
    available to us
  • Variable risk tolerance

Use care when making your investment decisions. If you have any questions or concerns please email or phone us. Before investing please read this carefully . 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.

Insurance products, including segregated fund policies are offered through SurePath Group and John Ponto offers mutual funds through Quadrus Investment Services Ltd.

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GIC

With access to 35 different banks, trust companies and Credit Unions, we find the best rate to give you safe and flexible options. The banks we have access to have Canadian Deposit Insurance Corporation (CDIC) coverage of $100,000 per person per institution, while the Credit Unions have unlimited coverage.

Click here for Todays GIC rates

Benefits

  • Can hold many different types of investment vehicles including RRSP’s, RIF’s, and Non- Registered/Open Accounts
  • Guaranteed Rate of Return
  • Safe, secure, low risk
  • Capital Preservation
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TFSA

TFSA’s are a flexible, registered, general-purpose savings vehicle that allows you to earn tax free investment income. Not only is your contribution tax- free but so is any interest that is earned.

Benefits

  • No tax implications upon withdrawal
  • Unused TFSA room is carried forward every year
  • Full amounts of withdrawals can be contributed in the following calendar year
  • Assets can be transferred to a spouse or common law partner upon death
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Bank Accounts

Through Manulife Bank, we have access to multiple different types of bank accounts which offer high-interest, full access, low fee chequing accounts that can be used as your primary bank account or secondary investment account.

These accounts include

  • Advantage Accounts
  • Business Advantage Accounts
  • US $ Advantage Accounts
  • Tax Free Savings Accounts

Ask us about todays rates.

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Segregated Funds

Segregated funds are similar to mutual funds, but they’re only available through life insurance companies. Professional investment managers invest in a variety of individual securities and the value of your policy’s unit’s increase or decrease with the performance of the segregated funds you select. However, because segregated fund policies are a form of life insurance, they have advantages for some investors.

Benefits

  • Ability to designate a beneficiary to bypass the estate
  • Potential for creditor protection (1)
  • Savings on potential probate fees, if any
  • Maturity and death benefit guarantees
  • No trustee fees
  • Lifetime income benefit option

(1) Creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection for your specific situation.

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RESP

RESP’s are an investment vehicle used to save for a child’s post-secondary education. Not only are you able to invest in your child’s education, but the Government of Canada will also make contributions in the form of a grant. The contribution will be 20% of the first $2,500, or a maximum of $500 a year.

Benefits

  • Tax deferral of compounding income and growth
  • Government grants based on family net income and amount contributed
  • Plan earning and government contributions are taxed in the child’s hands upon withdrawal-as a student, the child may pay little or no tax
  • Provincial and Federal grants
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Open Accounts

Non- registered accounts are made up of after tax dollars, meaning all withdrawals are tax free. These accounts enable investors to invest an unlimited amount of money and withdrawal at any time.

Benefits

  • Withdrawals are tax free
  • No contribution limits
  • Potential of higher rates of return vs your bank account
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