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Together We Are the Best

Together We Are the Best. We are National. We are the Best. Together, We are National Best. 4 Types of Investments. Mutual Funds Exempt Market Products Segregated Funds Bank Products. Mutual Funds. Common pool of funds. ___________ Client Initials. Mutual Funds. Common pool of funds

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Together We Are the Best

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  1. Together We Are the Best We are National. We are the Best. Together, We are National Best.

  2. 4 Types of Investments • Mutual Funds • Exempt Market Products • Segregated Funds • Bank Products

  3. Mutual Funds • Common pool of funds ___________ Client Initials

  4. Mutual Funds • Common pool of funds • Strict investment guidelines (prospectus) • Daily liquidity • Fund values affected by markets & unit holder participation • Mgmt fees or structure fees reduce performance • Investor’s experience depends on when they got in & out of the fund ___________ Client Initials

  5. Exempt Market Products • Common pool of funds or specific investments • Strict investment guidelines (Offering Memorandum) • Limited or NO liquidity • Asset values affected by markets & management performance • Higher Mgmt fees, structure fees & commissions reduce performance • Includes Hedge Funds, Real Estate Income Trusts, Mortgage Investment Corporations, etc. ___________ Client Initials

  6. Segregated Funds • Contract linked to performance of a diverse pool of funds • Investment guidelines outlined in information folder & contract • Daily liquidity • Fund values affected by markets & unit holder participation • Mgmt, structure & bonus fees reduce performance, may be higher • Assuris guarantees 85% or $2000 per month pension income per contract ___________ Client Initials

  7. SegFunds5– Protect Yourself Against the Down Side $ $ $ 10-15 yrs $ • Maturity Guarantee: 75% or 100% • Death Benefit Guarantee: 75% or 100% • Resets • No Proof of Insurability Needed • Potential for Creditor Protection • Estate Benefits - By-passes probate • $$$ paid directly to beneficiaries within 30 days notice of death • Capital Losses are passed on to investor

  8. Guaranteed Income Products Guaranteed Minimum Withdrawal Benefits (GMWBs) Guaranteed Lifetime Withdrawal Benefits (GLWBs) Deferred Bonus when money not taken in current year

  9. Bank Products • Savings accounts, GICs, term deposits, bankers acceptance notes • GICs & term deposits >5 yrs, and bankers acceptance notes NOT covered by CDIC • CDIC limited to $100K per person, per institution • Liquidity varies, good for short-term • Returns are usually 1-2% below corresponding mortgage rates • Real ROR typically below inflation ___________ Client Initials

  10. 4 Types of Investments • Mutual Funds • Exempt Market Products • Segregated Funds • Bank Products

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