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Choose Right Investment Strategy for You

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Have you started investing yet? If the answer is yes, think about the last time you sat down with a financial advisor and reviewed your portfolio to ensure your investment strategy is still aligned with your goals. If the answer is no, ask yourself why not? Maybe it’s because you don’t think you can afford it,  maybe it’s because you’re afraid of the risk versus reward or maybe it’s because you don’t see the value in paying fees.

If you’re hesitant about seeking financial advice, investing in the market and exploring different investment options, don’t worry because other people are too – that is where we can help!


Manulife Investments GIC

A Manulife Investments GIC provides certain benefits that may not be available through mutual fund organizations, banks, or trust companies, plus a broad range of investment choices:

  • The Basic Account
  • The Laddered Account
  • The Escalating Rate Account
  • The Market Growth Account
  • The Daily Interest Account

*The Manufacturers Life Insurance Company is the issuer of the Manulife Investments GIC.

Manulife Segregated Fund RESP

Helping to fund a child’s post-secondary education is one of the most important investments you can make in their future, especially in today’s competitive environment where a good education is crucial to success. Yet, with the rising cost of tuition fees and living expenses, personal savings alone may not be enough to cover the cost of higher education.

The Manulife Segregated Fund RESP is a new investment solution to help you save for a future post-secondary education need. What you should know:

  • A Registered Education Savings Plan (RESP) is a flexible and convenient way to save for a child’s future post-secondary education
  • Government grants and incentives may be available to qualified Student Beneficiaries to help RESP savings grow
  • Investment income generated in an RESP is tax-sheltered as long as it remains in the plan
  • When withdrawn, plan growth and government grants can be taxed at the student’s tax rate (he or she could pay little or no tax on this money)
  • There is no annual contribution limit with an RESP, but the lifetime maximum is $50,000 per Student Beneficiary
  • Anyone can open an RESP – parents, guardians, grandparents, other relatives, or friends
  • Individuals can also purchase an RESP for themselves for future post-secondary education needs
  • A segregated fund contract offers unique protection features, including death benefit and maturity guarantees

Learn more about RESPs and get more information on the government incentives and grants available.

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The Manufacturers Life Insurance Company is the issuer of the Manulife Segregated Fund Education Savings Plan insurance contract and the guarantor of any guarantee provisions therein.

How are your investments taxed?

It's no secret that Canadians pay a lot of tax. However, understanding how we are taxed can help us minimize the tax we have to pay.


Corporate In-Kind Donating

As more and more corporations invest their retained earnings directly in various vehicles like mutual funds or publicly traded securities, the value of their portfolio continues to grow. And as business owners build their corporation's portfolio, they may also want to 'give back' while taking advantage of the tax benefits of donating investment funds to charity. However, what many business owners may not know is that where corporate investments have increased in value, a corporate donation in-kind results in a more favourable tax consequence than selling the investment and donating the cash.

Taxation of investment income within a corporation

For individuals with cash or investments within their corporation, the tax cost of withdrawing these funds or winding up the corporation can be quite high. However, having the corporation invest in a tax-efficient manner can make a big difference to its net after-tax return; unfortunately the taxation of investment income within a corporation is not well understood. To learn more, please click here or contact us. 

Registered U.S. Dividend Mutual Fund Trusts

When it comes to receiving U.S. dividends in a mutual fund trust, the net impact of the foreign withholding tax is not always clear. For more information, please click here or contact us.

Ideal candidates for Mutual Fund Corporations

A Mutual Fund Corporation is a single taxable entity consisting of several classes of shares, with each class representing a different mutual fund. This allows Mutual Fund Corporations to offer several tax benefits to those investors with non-registered funds.

Ontario's Estate Information Return

Ontario's probate process is governed by the Estate Administration Tax Act, 1998 ("EATA"). In 2011 Ontario enacted significant changes to the legislation. With these regulations in place, Ontario released its Estate Information Return, which executors will be required to file for estates for which an application of probate had not been submitted prior to January 1, 2015.