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Flexible RRSP Savings Plans & RRIF's

Financial Planning Process

It’s an age old saying but it applies more than ever in today’s wide world of financial opportunities, “Don’t put all your eggs in one basket”.

A Flexible Savings Plan enables you to spread those eggs around, and through investment in Registered Retirement Savings Plans (RRSPs) and Registered Retirement Income Funds (RRIFs), ensures that you are financially secure in retirement. Flexible RRSPs and RRIFs offer tax sheltered growth of your capital and the ability to adapt your retirement income to meet your needs.

 

Flexible RRSPs and RRIFs give you the ability to modify your retirement income, make lump-sum withdrawals at any time or change the order of funds that your retirement income is drawn from. Flexible RRSPs and RRIFs provide security by guaranteeing a minimum value. They can be transferred to your spouse’s RRSP and RRIF at no charge and are protected from creditors if there is a designated beneficiary.

 

Other advantages:

• No surrender fees for withdrawing up to 20% of the value of your contract at the beginning of each year, for both periodic and lump-sum withdrawals.

 

• No annual administration fees.

• No fees for converting your RRSP into the RRIF. Through Flexible planning a variety of funds are invested in, thus providing greater security and opportunity for success. These funds include;

 

Guaranteed Interest Funds – Offered for terms of 1 year to 10 years and provide security through guaranteed interest rates.

Income Funds – Have a limited level of volatility and provide access to a regular source of income.

Diversified Funds – Target capital growth and capital protection and have a moderate sensitivity to market fluctuations.

Canadian Equity Funds – Are more sensitive to market fluctuations. They provide long-term growth investments in Canadian equity securities.

U.S. & International Equity Funds – Focus on long-term capital appreciation through investments in regions outside of Canada. Primarily foreign stocks sensitive to market fluctuations.

Specialty Funds – Maximize long-term capital growth by investing in specific sectors of the global economy. Primarily foreign stocks very sensitive to market fluctuations.

 

 

 

 

Contact Us:

Please contact us if you have questions

or would like us to prepare a custom service

package based on your needs.

 

 

Tel : (250) 595-2419        Fax : (250) 592-4953

email: info@rerinvest.ca

Victoria Office, #206 - 2187 Oak Bay Avenue

Victoria, B.C. V8R 1G1

 

North island Office, 3713 Shoreline Drive,

Campbell River, B.C. V9H 1L8

R. E. Reynolds Investments

& INSURANCE SERVICES LTD.

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