Today's
investor has no shortage of investment options to choose from. At Fiscal
Agents we believe that an informed investor is our strongest asset and
as such, our financial advisors have an open-door approach to the financial
services marketplace. We can help guide you through many types of investments
decisions.
We believed
so strongly in our mission to make money management easy for our clients
that we went and had it registered as our Trade Mark - Money Management
Made Easy®.
We want
you to profit from our research. This
section provides a base reference source of investment products in a
simple format. The information outlined below is provided to give an
overall illustration of parameters that may be in effect for this investment
product.
Investment
Product
P r o f i l e r: |
RRIFs
- Guaranteed / Pooled |
| Questions
to Ask: |
Answers
you may find: |
| Minimum
Purchase: |
$5,000
to open plan
$1,000 - Fixed Term deposits
None - Interest Account |
| Investment
Options: |
-
Daily Interest Tiered Savings Account
- Short term Deposits 30 - 364 days.
- Guaranteed Investment Certificates for 1 to 20 years
- 3 - 5 year Escalator GICs
- Redeemable term Deposit
- Cashable GICs
- Mutual funds
|
| Rate
Guarantee Period on Transfers: |
Set at time at managers discretion. Normally 30 days. |
| Annual
Administration Fee: |
None |
| Cashable
GICs: |
-
No - fixed rate GICs
- Yes - 1 year cashable
- Redeemable deposit at predetermined rate at time of issue
|
| GIC
Interest Pay-out Options: |
Monthly,
quarterly, semi-annually, annually and compound annually. |
| RRIF
Pay-out Options: |
Any amount over required minimum from daily interest saving account,
term deposit, cashable or mutual funds. |
| RRIF
Payment Frequency: |
Quarterly,
semi-annually, annually or annual compounding. |
| RRIF
Payment Fee: |
None
(except if closed within 1 year $25 fee) |
| Change
in Pay-out Amount: |
At
any time, as long as funds are liquid. |
| Withdrawal
/ Transfer Full or Partial: |
At
any time from Savings Account or cashable GICs, Fixed Term GICs must
be matured. No fees apply. Transfer out fee $30 |
| Statements: |
Annually, otherwise monthly if transaction occur. |
| Are
illustrations produced as part of Policy or Contract: |
Yes, by request only. |
| Market
Value Adjustment on Demise of RRIF Owner: - Estate/Beneficiary None |
None, Fund value. |
| Other: |
Offer
higher GIC rates dependent upon portfolio value and relationship |
IP-Profiler - Retirement
