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"Wayne has been my financial advisor and planner since 2003. Over the years he has advised me on how best to invest my savings in a broad portfolio that takes advantage of tax sheltering investments. The goal of my investment portfolio was to provide me with a future retirement income with minimum tax payments and that milestone was finally reached this year. I look forward to continuing my financial relationship with Wayne and to seek his advice in all my financial investment matters."

- Mike

Investments & Saving

Investment Planning is important because it helps you obtain the maximium benefits from your investments, based on your individual risk profile.

Everyone needs to save for a rainy day, but once you saved enough to take care of emergencies, you should start thinking about investing and making your money grow. We can help you plan your investments so that you can achieve the return you need to meet your goals.

Our Investment Planning Services Include:

  • Risk profiling
  • Asset allocation and portfolio construction
  • Creation and accumulation of wealth through investment plans
  • Regular review of progress and portfolio rebalancing

Investment Planning involves identifying your life-long financial goals and prioritizing them. Investment Planning is important because it helps you obtain the maximum benefit from your investments, based on your individual risk profile.

Your success as an investor depends upon your ability to choose the right investments. Which is dependent on your requirements, needs and goals. For most investors, the three prime criteria of evaluating investment options are liquidity, risk and return.

Investment Planning also helps you decide on the right investment strategy. In addition to your individual needs and goals, your investment strategy would also depend on your age, personal circumstances and your risk profile. These aspects are taken into consideration during the investment planning process.

Finally, Investment Planning also helps you strike a balance between risk and returns. Though prudent planning, it is possible to arrive at an optimal mix of risk and returns, that suits your particular needs and requirements.

Some of Our Investment Options include:

  • Mutual Funds and Segregated Funds – every major fund company in Canada
  • High Interest Savings Accounts – get the highest possible daily interest rate with no fees
  • GIC’s and Annuities – nearly every major financial institution in Canada – we shop for the best rates
  • RESP’s – take advantage of this Government program and save for your children’s education
  • TFSA – Tax free savings accounts
  • RDSP – Registered Disability Savings Plans
  • Cash Flow Investments – provide safe, reliable, tax efficient income from your RRSP or Non RRSP investments
  • Group Savings – for corporate and small business savings plans
  • Guaranteed ​​ Minimum Withdrawl

The Investment Planning Process

Investment Planning is the key to successful investing. It is a process, which, if done properly, can help you achieve your financial goals. Here are the basic steps of our Investment Planning approach:

1 - Identify Your Financial Needs and Goals

The starting point of a sound investment plan is to begin with a clear understanding of your financial needs and goals. Your financial needs or goals will then determine the term of your investment (investment horizon). Investment terms can be classified as short-term (less than 1 year), medium-term (more than 1 year) and long-term (more than 5 years).

2 - Understand Your Investment Choices

There are three basic investment categories: Equity, Debt and Cash. Any investment can be classified into one of these three categories, or asset classes. The key to investment success lies in understanding how each asset class performs over the various investment horizons, the choices within each category and the risks involved in making investment decisions in each of these categories.

Equity or Stocks are ownership shares investors buy in a corporation. When you make equity investments, you become a part-owner (to the extent of your shareholding) of the company you have invested in. On this type of investment, there is no particular rate of return indicated while investing. The current value of your share holding is reflected in the price at which the stock/share is traded in the stock markets. Hence, these are typically relatively riskier form of investment.

Debt Instruments or Bonds are loans investors make to corporations or the government. They promise a fixed return at the time the investment is made. The promise of getting the money back is dependent on who the debt is held with. In case of the Government, the promise will certainly get fulfilled, but if the issuer of debt is a company or an institution, the quality of the issuer needs to be judged, to determine its ability to keep the promise. Debt investments, therefore, provide you with the promise that your principal will be returned along with the interest payable on your initial investment.

Cash includes money in bank savings accounts and other liquid investment options.

3 - Decide on an Appropriate Mix of Various Investment Choices (Asset Allocation Plan)

Making an asset allocation plan is about determining the proportion of investments in each of the three basic asset classes. This will depend on your profile as an investor, and usually depends on what stage of life you are at. We recommend that a portion of your investments should generate regular income and the other portion should contribute to growth and capital appreciation. The proportion of these two elements will vary based on your goals, time horizon to meet those goals and your risk profile. The key to investment success lies in determining the appropriate mix of the above categories and not just the individual investments that are done within each category.

*Only mutual funds activities are supervised by the Global Maxfin Investments Inc