Everyone's needs are different, but as a general rule we like to allocate our portfolios over three investment classes.
- Insurance Segregated Funds- very similar to mutual funds but with significant additional guarantees not found with mutual funds. These guarantees may include:
- a) 100% death benefits
b) 75% to 100% 10 year benefit
c) 7% accumulation guarantee
d) 5% income for life guarantee
e) creditor protection
- a) 100% death benefits
- Mortgage Investment - First and second mortgage investments to well established, corporate clients. Interest ranges from 8% to 12% with terms of 2 to 5years.
- Real Estate - We offer projects from three of Canada's best developers. Real estate is a classic inflation hedge and a proven wealth builder. Returns average between 10% to 15% depending on the type of project and economic variables.
This model provides liquidity in the funds, income from the mortgages and capital growth from the real estate. A well - diversified portfolio like this targets an average compounded return of 11% for the long term and can be appropriate for all age categories.
