RRSP

Do you think about?

• Early retirement 
• Financial security
• Your child's education
• A dream vacation

Studies suggest that a properly diversified investment portfolio can help you maximize your returns while minimizing your risk.

A wide range of companies offers many different options and quality financial products suitable for your registered retirement savings contributions. Design YOUR OWN PLAN. By naming a preferred beneficiary, you may be able to protect your RRSR or regular savings plan against creditors and at the same time maximize your return.

Let us know you what's available and help you choose the best option for you!

SEGREGATED FUNDS

Segregated funds are much like mutual funds in that a number of investors deposit money into a fund, the money is pooled and investment decisions are made by professional fund managers. By pooling their money, investors are able to buy a diversified portfolio, reducing the risk to each investor.

So what's the difference between a segregated fund and a mutual fund? Very little in terms of how tile fund cooperates and is managed. However, segregated funds, which are offered only by life insurance companies, generally offer several key advantages.

• Segregated funds are variable deferred annuity contracts.
• No special licenses are required to sell them just a life insurance license.
• Policy owners can designate a beneficiary in favor of a spouse, child, grandchild or parent, so tile proceeds of the policy may be protected from creditors.
• Segregated funds offer a guaranteed death benefit.
• Segregated funds offer a maturity guarantee. After 10 years the company must guarantee to pay the higher of the policy's market value or at least 75% (up to 100%) of the premiums (less redemptions) paid into the policy.

Your Goal: Grow your net worth, but limit your risk.

You're saving for retirement. Planning for the future. Working to give you and your family financial peace-of-mind. Naturally, you want to choose an investment with strong growth potential, but the last thing you need is something unexpected shrinking your hard-earned slice of pie. You want protection. And growth (after all, you're not ready to hide your money under the mattress just yet).

One answer may be segregated funds - or SEG funds,
 as they're often called.

Choose from a wide selection of seg funds, every bit as diverse in their risk/reward factors as any mutual fund. But - and here's the big difference - your principal is 100% guaranteed (yes, you've read it right - guaranteed). All the best of investment managing combined with protection -that's an impressive combination. There are other important benefits too.

Millions of people just like you. Maybe you're starting to build a nest egg or planning to retire over the next decade or so.

Perhaps you're nearing retirement and want to secure the gains you've made so far. Whatever your life stage or circumstance, you definitely want market growth with downside protection for the long term.

Of course, you may be a business owner concerned with exposing your savings to business liability and you desire creditor protection. Or you could be a conservative investor who still wants elbowroom for increased earnings.

Any way you look at it, you want growth and protection.