We offer a wide range of investment options tailored to meet your financial goals. Whether you are planning for retirement, saving for a major purchase like your first home, or looking to grow your wealth, we can help you navigate through various investment opportunities and account types to find the best fit for your needs.
Registered Retirement Savings Plan (RRSP)
An RRSP allows you to save for retirement with tax-deferred growth on your investments. Contributions are tax-deductible, providing immediate tax relief, and the savings can grow tax-free until withdrawal, typically during retirement when your tax rate may be lower.
Tax-Free Savings Account (TFSA)
A TFSA offers tax-free growth on investments, and withdrawals are also tax-free. This account is flexible for saving towards any goal, whether it’s for an emergency fund, a major purchase, or general savings, without any tax implications on earnings or withdrawals.
First Home Savings Account (FHSA)
The FHSA is designed to help Canadians save for their first home. Contributions are tax- deductible, and withdrawals for the purchase of a first home are tax-free, combining the benefits of an RRSP and a TFSA to support homeownership.
Registered Education Savings Plan (RESP)
An RESP is a tax-advantaged account designed to save for a child’s post-secondary education. Contributions grow tax-deferred, and the government provides additional grants to boost savings, making it a highly effective way to prepare for future education costs.
Segregated Funds
Segregated Funds are similar to mutual funds but come with added security features. They offer various levels of protection, such as 75/75, 75/100, or 100/100, which guarantee a portion of your investment at maturity or upon death. These funds also include annual reset options, allowing you to lock in investment gains, providing a safer alternative to mutual funds with the potential for growth and reduced risk.
High-Interest Savings Account (HISA)
A HISA offers a higher interest rate compared to regular savings accounts, making it an excellent option for short-term savings or an emergency fund. While the returns are lower than other investment products, HISAs provide liquidity and safety with no risk to principal.
Guaranteed Investment Certificates (GICs)
A GIC is a low-risk investment that offers a guaranteed return over a fixed period. GICs are ideal for conservative investors looking for stable, predictable returns. They are protected by the Canada Deposit Insurance Corporation (CDIC) up to certain limits, ensuring the safety of your principal investment.
As HLLQP licensed professionals, we are here to help you choose the best investment options and account types to align with your financial goals. Whether you’re saving for retirement, your first home, your child’s education, or looking for secure investment options, we offer comprehensive products and personalized advice. Contact us today to get started on your investment journey.