RRSP: Why people are switching to Guaranteed Investment Funds

More and more people are switching to G.I.F.'s than ever before, here's why:

Why people are switching to Guaranteed Investment Funds

- Higher rates of return - Guarantees to lock in Gain - eliminate any losses - bypasses will - bypasses estate - dedicated funds quickly go beneficiary privately in event of death - zero probate - creditor protected (super for business owners, or anyone who still owes debt) - estate protection - and more....

The chart below is current as of this week, up to Jan 13th, 2017 last 5 years averages.

GREEN line indicates the average return on bank held RRSP / TFSA's etc

BLUE line indicates the average return Advisor & Co. has attained past 5 years..

RED line indicates Using your Guarantee to lock in Growth in funds.

Above chart illustrates the average bank rate (GREEN),

Canadian average RRSP, TFSA, RRIF, RIF, LIRA,RESP, ETC... (BLUE).

The red line indicates where Russell locked in his investments over this 5 year period.

To illustrate how to use the Reset to your advantage, consider the following example. Russell invests $100,000 into a Guaranteed Investment Fund, resulting in an initial death benefit guarantee of $100,000. Russell meets with his advisor every January and decides to reset his death benefit guarantee every year when his market value is up, allowing him to lock in market gain.

Year 0= $100,000,

Year 1= $116,494,

Year 2= $145,360,

Year 3= $167,010,

Year 4= $180,706,

Year 5= $195,434.00, AVERAGE RESULTS - CAN ONLY GO HIGHER RESET VALUE ELIMINATES LOSES

If Russell passes away, his beneficiaries, are guaranteed the greater of the death benefit or the market value.

In this example, Russell has not only been able to guarantee his original principal, he has locked in significant growth along the way. Russell also has the peace of mind knowing that when his assets do transfer to his beneficiaries, they will do so quickly and directly, avoiding the process of the will, estate, and probate fees.

Thanks to Advisor & Co. we could retire 10 years sooner than we thought.

Dennis & Bonnie K.

Our retirement fund will now last 10 years longer, Huge Thank you.

Peter & Sarah F.

The boost to our RRSP rate really helped, incredible how quickly my money grew, retirement coming soon.

Buzz B

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