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Non-Registered Savings Plans
Non-registered savings plans
play the same role as personal savings accounts. You can accumulate savings
to carry out your plans (education, trips, a house, etc.) or increase
your retirement income.
By entrusting your personal savings to us,
you obtain a higher rate of return than on your bank account, and you
have access to our various investment
vehicles. You receive all the advantages of products offered by life
insurance companies adapted to your changing needs.
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Who Should Consider a Non-Registered Savings Plan?
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Investors who have reached their
registered retirement savings plan (RRSP) contribution limits
and would like to capitalize on their investments to carry out their
plans, while retaining a certain amount of control over their investments.
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Persons wishing to obtain a source
of income through a systematic withdrawal program.
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Investors wishing to accumulate amounts
in the short term (financial cushion, vacation, etc.).
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Features and Advantages
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Your protection against financial
market fluctuations may attain and even exceed 100% of the capital
invested.
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You can borrow to increase the effect of your investment returns.
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There is no fiscal limit on the foreign
content portion of your investments.
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We ensure the continuity of your contributions in the event of disability*.
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You may pay by pre-authorized
cheques if you wish.
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*Certain conditions apply.
You may open a non-registered retirement plan
at any time prior to the age of 90 years. With most of the investment
vehicles, you have access to your capital without tax withheld. However,
your investment income is taxable.
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Products Available
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You can establish a personalized savings plan
that takes into account your current and future needs by choosing any
of the following investment
vehicles:
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Daily Interest Funds
For persons wishing to accumulate money to make investments and
accumulate interest on a daily basis.
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Ecoflex Investment
Funds
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A range of investment funds which offer a full guarantee of your capital and medium- to long-term growth potential. In addition, amounts generated by your investments, over and above your deposits, may also be protected.
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