Mutual Funds
Mutual funds are offered by financial institutions and allow you to invest your money in a diversified portfolio of securities (stocks, bonds, etc.) managed by professionals.
Portfolio diversification
Your money is spread across multiple securities and sectors, helping to reduce risk compared to a single investment.
Professional management
The funds are managed by experts who analyze the markets and make decisions based on rigorous investment strategies.
Accessibility and simplicity
Mutual funds allow you to invest with affordable amounts and offer a turnkey solution, without complex management for the investor.
Flexibility and adaptability
You can invest gradually, adjust your contributions, or withdraw your funds as needed, while choosing options tailored to your investor profile.
Segregated Funds
Segregated funds are investment products offered by insurance companies that combine the benefits of traditional investments. They are composed of equities, bonds, or money market securities. They are similar to mutual funds but offer additional advantages:
Guaranteed capital protection
They offer guarantees of 75% to 100% of the invested amount at maturity or upon death, in the event of a market downturn.
Creditor protection
They protect assets from creditors, which is particularly beneficial for business owners and self-employed individuals.
Tax advantages
Segregated funds may allow for the deferral of taxes on investment gains, providing improved tax efficiency.
Direct beneficiary payout
Beneficiaries receive the funds directly upon death, without going through the estate, thereby avoiding delays and estate-related costs.
Did you know that some segregated fund contracts allow you to reset the capital guarantee to the current market value if it has increased, providing enhanced protection for the future? The guaranteed value of the invested capital is protected and can only increase.
A Range of Portfolios Designed to Maximize Returns
One of the key advantages of entrusting your investments to an experienced broker like myself is access to a wide range of portfolios available on the market, tailored specifically to you. By working with a broker, you benefit from clear guidance and customized solutions designed to optimize your long-term returns. I support you at every step to help you select investment solutions aligned with your goals, risk tolerance, and financial horizon. Invest with confidence and peace of mind by relying on an experienced and committed partner.