Investments

    Providing investment guidanceto help you reach your goals

    GIC: (Guaranteed Investment Certificates)

    Guaranteed Investment Certificates are deposit products in which investors lend their funds to deposit taking institutions (DTI), such as banks, trust companies or credit unions to help finance their cash or capital needs for the lending side of their business. In return for these funds the institution will provide investors with periodic interest payments at guaranteed rates and the return of capital to the investor at the maturity date. These deposits are insured for loss when invested with DTI’s who are members of Canada Deposit Insurance Corporation (CDIC – more info at Your coverage - cdic.ca) , or members in Ontario of the Financial Services Regulatory Authority of Ontario (FSRA)

    Brian J. Evans Financial Services Inc., is a Registered Deposit Broker through the Registered Deposit Brokers Association (RDBA, Brian’s profile). Using contracts with many DTI’s across Canada our clients are offered competitive GIC interest rates. The Broker Advantage Index Here on our website will demonstrate our advantage to consumers. GIC’s become an effective and secure portion of a balanced investment strategy. We will utilize laddering and staggered maturities to provide clients with liquidity, income and flexibility… even in their GIC portfolio.

    RDBA Broker Advantage Index

    Mutual Funds

    In its simplest form, a mutual fund is a combined pool of investor dollars that is managed by a professional staff who determine the most appropriate investment products to buy and sell. The manager of the fund must conform to the parameters and investment objectives established by the fund. Mutual funds generally can be bought and sold as desired but may be subject to some fees or charges. Investment practices of these funds are watched carefully by industry regulators to ensure the best interest of consumers. Mutual funds invest in any one or combination of investment instruments both domestic and global, consistent with their investment objectives. Their investment options determine the type of taxation for their income and could be in the form of interest, dividend and/or capital gains. Brian Evans, has been licensed to help clients purchase and manage. Mutual Funds as part of their overall investment plan since 1994.

    Mutual funds are not guaranteed. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual fund values change frequently and past performance may not be repeated.

    Disclaimer: important information about mutual funds can be found in the fund facts document provided by your advisor. Please read the documents carefully before investing.

    Segregated Funds

    These are investment funds similar to mutual funds in the life insurance industry. There are slight differences in the handling of taxation and in the maturity and death guarantees offered by the insurance companies. Funds can pass directly to beneficiaries, by-passing the estate and probate costs. Brian Evans, has been licensed to help clients purchase and manage Segregated Funds as part of their overall investment plan since 1990.

    Commissions, trailing commissions, management fees and expenses all may be associated with segregated fund investments. Segregated fund values change frequently and past performance may not be repeated.

    Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.

    Disclaimer: a description of the key features of the segregated fund policy can be found in the information folder provided by your advisor. Please read the document carefully before investing.

    Non-Registered Investments

    Investments funded with after tax dollars. Investment income is in the form of interest, dividends or capital gains each being taxable when received, realized or through a deemed disposition. The income inclusion, rates of tax or some tax deferral will vary with the type timing of income earned.

    TFSA: (Tax Free Savings Account)

    Consumers have been able to utilize the TFSA in their financial planning since 2009. This is an investment opportunity that is registered with CRA. It allows individuals 18 years and older to invest after tax dollars in an investment that will provide tax free income or growth. The amount that can be contributed is established annually and there is no provision for over contribution. However, attained contribution room is not diminished even when funds are withdrawn. Funds in your TFSA can be accessed and only are restricted by the types of investments chosen. Strategies for your TFSA can include short-term saving for larger purchases or better, a long-term additional income strategy for retirement.

    RRSP (Registered Retirement Savings Plan)

    A qualifying investment vehicle that is registered with the Canada Revenue Agency as a savings instrument intended to accumulate to and provide income for an individual’s retirement. Income tax refund can be generated for each principal contribution and investment income accumulates on a tax deferred basis. These funds become taxable once they have been deregistered. Investment products that can be registered include GIC’s, Stocks, Bonds, Mutual Funds, Segregated Fund Policies, etc

    RESP (Registered Education Savings Plan)

    An RESP is a registered investment vehicle that will help you and/or your children save towards post-secondary education costs. Advantages of these savings vehicles include a matching contribution from the Federal Government of 20% of contributions up to a maximum, the tax deferred growth on the funds and the taxation at withdrawal in the hands of the generally lower income student. Withdrawals must be used for costs for qualifying educational programs.

    RDSP (Registered Disability Savings Plan)

    For dependents who have a disability or health issue that qualify them for this registered investment, an RDSP provides a wonderful savings option that families can use to financially provide for loved ones in the years ahead. The Federal Government significantly supports these plans with matching contributions that enable an RDSP to make a difference for many. These plans should be considered to support those in your family who may qualify.

    FHSA (First Home Savings Account)

    The FHSA was introduced to Canadians in a recent Federal Budget to provide an opportunity for consumers to save tax efficiently for a home. Although these savings options have been available for consumers to open since April 1, 2023, many financial institutions are still building their product offerings as they understand the regulations and ensure compliant products. There are many attractive features to Canadians including tax deductions for contributions and tax-free withdrawals when purchasing a home.

    Bonds

    Brian Evans is not licensed to provide Bonds directly to clients. This is intentional. Often Bonds are utilized in the investment funds and products supported by Brian’s licenses for Mutual Funds and Segregated Funds. These investment options help to supply a diversification and balance that provides well for the portfolio strategies designed and prepared for clients. A debt instrument whereby a government or corporation receives investors’ funds to finance their cash or capital needs in exchange for a periodic payment and return of capital at maturity. There are many types of bonds. Bonds can be sold before maturity on a secondary market. Price will be determined by comparing the bond interest rate with the current interest rate environment. Generally as the rate environment increases, the bond values decrease and vice versa.

    Stocks

    Brian Evans is not licensed to provide Stocks directly to clients. This is intentional. Often Stocks are utilized in the investment funds and products supported by Brian’s licenses for Mutual Funds and Segregated Funds. These investment options help to supply a diversification and balance that provides well for the portfolio strategies designed and prepared for clients. A unit of value that represents ownership in a corporation. To raise funds for capital expansion etc, a business will sell ownership positions in their company. These shares are sold at perceived values or current market prices. The secondary market (ie. TSE: Toronto Stock Exchange) allows an investor to trade (buy & sell) their shares as desired. Market values for units or shares will be determined in part by the perceived value for the stock by investors and the supply and demand for the stocks. Stocks may generate dividend income and capital gains or losses which may allow some tax advantages.