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Home Archive for category "Income Solutions" (Page 2)

Income Solutions

The Income Solutions series is designed for those who seek maximum income from their assets – now or in the future. Your assets may include your home, a business, permanent life insurance, real estate, savings or financial investments. The series is designed to explain the various income-generating strategies and solutions that are available to retail investors.

As you plan for the future, or when you are ready to retire on your own terms, we’ll help you use your assets to create cash flow that will last a lifetime.

The Insured Annuity: Maximize your lifetime income and leave a legacy

If you want to get a guaranteed income for life at a rate of return that is significantly higher than GICs, and still leave an inheritance behind when you pass away, then the insured annuity is a strategy you should consider. First let me explain how an annuity works: When you establish an annuity, youRead More…

 

Five Reasons to Rethink Retirement Investment Planning

The retirement landscape has shifted in more ways than one. For starters, living longer is forcing us to change how we invest. Why it’s time to rethink life’s next stage You may have heard something about a retirement crisis. Now, your reaction may have been to look at your RRSP balance and think, “Yup, that’sRead More…

 

The Life Insurance Retirement Plan (LIRP)

The objective of a Life Insurance Retirement Plan (LIRP) is to provide investors supplemental retirement income via a life insurance policy featuring market appreciation, re-invested policy dividends, tax-deferred accumulation, and a life insurance death benefit.  Permanent participating whole life insurance is often used as a vehicle for a Life Insurance Retirement Plan. Designed to takeRead More…

 

Conservative Investors: Index-linked GICs rarely deliver what they promise

Financial institutions continue to create and market products like index-linked GICs that harvest many fees and commissions, but defy investment logic. Index-linked guaranteed income certificates (GICs) promise to safeguard a portion of investors’ portfolios. In volatile markets like the ones we’ve been experiencing, these products may seem like an appealing place to put some ofRead More…

 

High interest with free unlimited chequing in one bank account

That’s smarter banking – and it’s available now with Manulife Bank Advantage Accounts! Advantage Account gives you: • A 0.9%1 interest rate • No fees on everyday transactions2 when you have $5,000 or more in your bank account • The convenience of a chequing account The difference free unlimited banking makes Many people are surprisedRead More…

 

Convertible Bonds

The stability of a bond, the upside of a stock A convertible bond or debenture is a type of bond that the holder can convert into a specified number of shares of common stock in the issuing company. It is a hybrid security with debt- and equity-like features. The investor receives the potential upside ofRead More…

 

Freedom to choose …the journey to financial independence

You’ve likely seen some of the retirement clichés over the years – sailing a yacht into the sunset; climbing the tallest mountains around the world; swinging like a pro in plaid on the golf course. But, are these scenarios really for you? Let’s talk about the lifestyle you really want Creating the lifestyle you reallyRead More…

 

Conservative investors: Fixed Income Portfolio

Steady return, no equities The accepted wisdom is that investors need a portfolio of stocks, bonds, and cash to get the maximum long-term return from their investments. However, many people are uncomfortable with the stock market because they don’t have the time, interest or knowledge to make informed decisions, or because they are just plainRead More…

 

Conservative Investors: Get the best GIC rates and terms

Guaranteed Investment Certificates, or GICs, give your portfolio guaranteed growth and reassurance that your money is secure. However, buying a GIC that’s right for you may not be as straightforward as you might think. GICs feature a wide range of interest rates, terms and options and many Canadians end up with a lower interest rateRead More…

 

How much can you expect in CPP and OAS?

Fewer Canadians will contribute to their Registered Retirement Savings Plans this year (or plan or save for retirement at all). A Scotiabank survey finds that just 31 per cent of Canadians plan to contribute this year, compared with 39 per cent last year. Canadian households spend about $1.65 for every dollar earned, according to StatisticsRead More…