Together We Are the Best
We are National. We are the Best.
Together, We are National Best.
4 Types of Investments
1.
2.
3.
4.
Mutual Funds
Exempt Market Products
Segregated Funds
Bank Products
Mutual Funds
•
___________
Client Initials
Common pool of funds
Mutual Funds
•
•
•
•
•
•
___________
Client Initials
Common pool of funds
Strict investment guidelines
(prospectus)
Daily liquidity
Fund values affected by markets &
unit holder participation
Mgmt fees or structure fees reduce
performance
Investor’s experience depends on
when they got in & out of the fund
Exempt Market Products
•
•
•
•
•
•
___________
Client Initials
Common pool of funds or specific
investments
Strict investment guidelines
(Offering Memorandum)
Limited or NO liquidity
Asset values affected by markets &
management performance
Higher Mgmt fees, structure fees &
commissions reduce performance
Includes Hedge Funds, Real Estate
Income Trusts, Mortgage Investment
Corporations, etc.
Segregated Funds
•
•
•
•
•
___________
Client Initials
•
Contract linked to performance of a
diverse pool of funds
Investment guidelines outlined in
information folder & contract
Daily liquidity
Fund values affected by markets &
unit holder participation
Mgmt, structure & bonus fees reduce
performance, may be higher
Assuris guarantees 85% or $2000 per
month pension income per contract
Seg
– Protect Yourself
Against the Down Side
5
Funds
•
•
•
•
•
•
•
•
Maturity Guarantee: 75% or 100%
Death Benefit Guarantee: 75% or 100%
$$
$
10-15 yrs
$
Resets
No Proof of Insurability Needed
Potential for Creditor Protection
Estate Benefits - By-passes probate
$$$ paid directly to beneficiaries within
30 days notice of death
Capital Losses are passed on to investor
Guaranteed Income Products
•
•
•
Guaranteed Minimum Withdrawal
Benefits (GMWBs)
Guaranteed Lifetime Withdrawal
Benefits (GLWBs)
Deferred Bonus when money not
taken in current year
Bank Products
•
•
•
•
•
___________
Client Initials
•
Savings accounts, GICs, term
deposits, bankers acceptance notes
GICs & term deposits >5 yrs, and
bankers acceptance notes NOT
covered by CDIC
CDIC limited to $100K per person,
per institution
Liquidity varies, good for short-term
Returns are usually 1-2% below
corresponding mortgage rates
Real ROR typically below inflation
4 Types of Investments
1.
2.
3.
4.
Mutual Funds
Exempt Market Products
Segregated Funds
Bank Products