Professionals (e.g. doctors, dentists, engineers, accountants
and lawyers) becasue they have higher exposure to personal liability.
"I want my investments in my spouses's name since I
can be sued personally." |
|
Financially secure
"I don't need it to pay for
today's bills, and I'm not willing to pay extra for guarantees
I don't feel will need." |
A sole proprietor or partner in a business where they may
be exposed to bankruptcy, personal libility and unlimited personal
guarantees.
"I want to protect my family in case
something happens to the business." |
|
Longer time horizon
"I have a long time before
I need this money and want it to do well." |
Interested in estate bypass.
"I want to ensure
my family gets my money quickly and without hassle." |
|
Risk tolerant
"I know the market is volatile,
but I have confident that in the long run, my portfolio will
have grown."
|
Conservative
"I really am nervous of the markets.
I'm worried about losing all my money."
|
|
Price sensitive
"I don't want to pay any extra
fees that will lower" |
Potential creditor protection
|
|
No creditor protection |
Estate bypass (with a named beneficiary)
|
|
Designating a beneficiary does not guarantee estate bypass |
Capital guarantees on death and maturity
|
|
No guarantees of principal or earnings |
Sometimes higher management expense ratios (note. our segregated
funds have some of the most competitive prices in the industry.)
|
|
Lower management expense ratios |
| Regulated by CLHIA and provincial insurance acts. |
|
Regulated by provincial securities |
