Segregated Funds

The Saving Versus Mortgage Dilemma

After all the bills are paid, sometimes we find ourselves with a surplus of cash and are left wondering the best way to use it.  Your options for available cash essentially fall into three categories: spending it, investing it, or pay down debt.  Trying to perfect the balancing act of savings as much as possible while still trying to pay for a mortgage can be stressful and somewhat confusing.  While there is no one-size-fits-all solution for allocating cash, there are some tried and true principles that could help you make the most of your money.



Read More

Dollar Cost Averaging

Dollar Cost Averaging (DCA) is a structured approach to buying investments.  DCA is intended to temper the volatility of your investment portfolio by breaking large holding purchases into smaller buys done over time.

Instead of buying a large holding of a single investment vehicle all at once, the entire purchase is divided into smaller transactions and spread over a period of time.



Read More

How Investment Income Is Taxed

Investments can represent a major source of income for some individuals and with that income comes a wide variety of tax implications. The good news is that some types of investment incomes are subject to special tax treatment.  Understanding how your investments are taxed is an important part of your financial plan.  The most common types of investment income most investors will have to deal with are interest, dividends, and capital gains.



Read More

What is a Segregated Fund?

t’s a question we hear often – can I guarantee my investment? Well, in a sense, yes – the product you’re talking about is called a Segregated Fund.



Segregated funds, usually referred to as “Seg Funds”, are individual insurance contracts that invest in one or more asset, much like a mutual fund. Unlike mutual funds, Seg Funds provide a death and/or maturity guarantee that protects a portion of invested capital (usually between 75% to 100%).



Read More


Disclaimer

This information is designed to educate and inform you of financial strategies and products currently available. As each individual’s circumstances differ, it is important to review the suitability of these concepts for your particular needs with a Qualified Financial Advisor.