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: |
Deferred
RRIF |
| Questions
to Ask: |
Answers you may find: |
| Type
of Product: |
Set
up as a guaranteed investment contract with a deferred RRIF |
| Minimum
Premium: |
Must
be $10,000 when RRIF contract is issued |
| Tiers: |
$1,000
- $24,999
$25,000 - $99,999
$100,000 and over |
| Rate
Guarantee Period on Transfers: |
45
days with a commitment form |
| Maximum
Deferral Period: |
4 years
(age 65 to 69) |
| Minimum
Issue Age: |
No
restrictions Client and/or Spouse: No restrictions |
| Death
Benefit During Deferral Period: |
Sum
of all deposits plus accrued interest to date of death |
| Transfer
to Another Carrier - Fees: |
Subject
to market value adjustment if prior to fund maturity date |
| Options
at End of RRIF Deferral Period (Crossover): |
- Long
term RRIF 25 years with payout formula.
- Term Certain to age 90 annuity |
| Change
in Deferral Timing: |
Only
allowed with a market value adjustment |
| Investment
Compounds: |
Annual
compounding |
| Default
Option: |
RRIF
contract details to be determined at time of establishing RRIF contract |
| Cashability
Option: |
Throughout
the deferral period subject to market value adjustment |
| Withdrawal
- Partial / Full: |
|
|
Prior to: |
If liquid
funds available no fees apply |
|
At Crossover: |
10%
or $10,000 free annually when converted to RIF. Otherwise, Market
value Adjustment. |
|
Unscheduled: |
Subject
to market value adjustment |
|
Surrender Provisions: |
Subject
to annual 10% provision excess subject to market value adjustment |
Are
illustrations produced as
part of Policy or Contract: |
Yes,
only when RRIF contract is established |
| Other:
|
None
|
IP-Profiler - Retirement
