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Investments

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

  • You may designate a child, grandchild, nephew, niece, etc. as the beneficiary of an individual plan. There is no restriction on the relationship between the child and you.
  • For family plans, the beneficiaries must be related to the subscriber by blood or adoption.

In Addition:

  • You are eligible for a government grant of up to $7,200, or 20% of your annual contributions to the plan (up to a maximum of $500 per year).
  • The beneficiary obtains an income tax deferral on his or her investment income.
  • You may change the plan beneficiary.
  • Your protection against financial market fluctuations may attain and even exceed 100% of the capital invested.
  • We pay you an education bonus of up to 15% of the total monthly contributions paid into the Diploma RESP. The bonus varies according to the beneficiary’s age at the time of enrolment.

Registered Retirement Savings Plan

Retire Comfortably
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
  • Accumulate amounts for retirement.
  • Reduce your taxable income.
  • Adapt your plan to your needs.
  • Have greater flexibility in the management of your investments.
Before age 71 R.R.S.P
  • Exercise a certain amount of control over the investments in your former pension plan.
Before age 71 L.I.R.A

Segregated Funds

Investment Funds
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 :

  • We offer a guarantee on your deposits, applicable at the maturity of the investment or at death. You can recover the entire amount you have invested.
  • You can protect the amounts generated by your investments in excess of the deposits made.
  • You can protect your savings against potential creditors*.
  • The estate value is protected at death (without probate fees).
  • We ensure the continuity of your contributions in the event of disability*.
  • *Certain conditions apply.

 

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.
Tax free
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.
Collateral assignment
It’s possible to assign the assets of a TFSA as collateral for a loan.

 

Guaranteed Interest Funds

Stable Returns
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?

  • Anyone who is primarily seeking capital security.
  • Cautious investors with a short- or medium-term investment horizon.

Features and Advantages

  • Your capital is 100% guaranteed at maturity.
  • You can choose between compound interest at the current rate (credited annually) and compound interest at the guaranteed rate (credited at the end of your investment term).
  • You may redeem your funds at any time.
  • You also obtain other advantages offered by insurance companies:

You can protect your savings against potential creditors* according to the beneficiary you have designated*.

  • We ensure the continuity of your contributions in the event of disability*.
  • *Certain conditions apply.

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