Seeking the Best Returns
On your investments
Are you looking for financial security?
Whether you opt for a higher return or take a more cautious approach, we have developed products to help you build the portfolio that suits you best.
With your objectives in mind, we offer you flexible products adapted to your needs that includes a range of savings plans, and investment vehicles. These products allow you to invest your savings and obtain a high degree of financial security.
Registered Education Savings Plan
Build Up a Tax-Sheltered Fund
To finance a child’s post-secondary education
A registered education savings plan (RESP) is the ideal financial vehicle to meet the job market’s education requirements and help you defray mounting education costs.
Who Should Consider an RESP?
Any person who is concerned about the future of a beneficiary (generally a child).
Features and Advantages
Registered Retirement Savings Plan
Get the most out of your retirement years
Retirement savings plans ensure that you have a comfortable retirement while reducing your taxable income. At Industrial Alliance, we offer a flexible registered retirement savings plan (RRSP) that gives you a certain amount of control over your investments and all the advantages associated with this type of plan.
In addition, the RRSP line of credit allows you to contribute to your RRSP—and therefore to increase your contributions—despite a temporary cash shortage.
We also offer a locked-in retirement account (LIRA) to persons who have changed employers and wish to transfer the amounts accumulated in their pension funds so that they can exercise a certain amount of control over their investments.
|Objectives||Issue||Type Of Plan|
||Before age 71||R.R.S.P|
||Before age 71||L.I.R.A|
Let your money work for you
By putting money in investment funds, you are combining your savings with those of investors having similar investment objectives and benefiting from the skills of experienced managers. No matter what your financial horizon or your investor profile, we have the right investment fund for you.
Who Should Consider Investment Funds?
All types of investors, from cautious to aggressive, primarily those having a medium- to long-term investment horizon.
Features and Advantages
Only insurance companies offer segregated funds. Our funds have numerous advantages that set them apart from mutual funds :
Tax-Free Savings Account
Innovation In Savings
Earn savings tax free!
The Tax-Free Savings Account (TFSA) is the most exciting innovation in personal savings since the creation of the Registered Retirement Savings Plan (RRSP) by the government of Canada.
The TFSA is a unique tax-free savings program (non-RRSP) now offered by Insurance 1 Stop to help you:
- Accumulate more savings to pursue personal projects, TAX FREE
- Place income generated by invested sums (existing investments, investment income, inheritances, donations, etc.) in a tax shelter account
- Maximize your savings with retirement in mind
Advantages of the TFSA
If you’re a Canadian resident age 18 or older, you can benefit from a savings account that offers the following advantages:
Simple and accessible
You can contribute up to $5,500 annually in a tax-free account, regardless of your income.
Any earnings generated (interest, capital gains or dividends) in the TFSA, as well as sums withdrawn, are not taxable.
Cumulative contribution room
Unused annual contribution room accumulates indefinitely.
Ease of withdrawals
You can withdraw any amount at any time without penalty. *There is no restriction as to the use of withdrawals.
Ideal complement to an RRSP
The TFSA investment instrument complements an RRSP as an efficient way to save and put more money toward your retirement.
No affect on income-based government benefits
Neither TFSA contributions nor its earnings affect eligibility for the Guaranteed Income Supplement, Old Age Security, the Canada Child Tax Benefit or other government benefits based on income.
Wide range of investments
You have the freedom to choose the funds—daily interest, guaranteed interest and a wide range of segregated funds—that reflect your needs.
Practical income-splitting tool
A couple can contribute to two TFSAs even if one of them has no income.
It’s possible to assign the assets of a TFSA as collateral for a loan.
Guaranteed Interest Funds
Guaranteed money for a rainy day
When you invest in Insurance 1 Stop guaranteed interest funds, you receive a guaranteed rate of interest for a fixed period. These funds are perfectly suited to persons seeking capital protection and a stable return.
Who Should Consider Critical Illness Insurance?
Features and Advantages
You can protect your savings against potential creditors* according to the beneficiary you have designated*.