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Investing for Retirement


Investors have different investment needs and objectives.
  e recognize that while you want to grow your investments, you may not have the time or perchance the expertise to do it on your own.

We can offer you a qualified approach to wealth, which means that we will:

  • Listen to you and understand your needs.
  • After a good understanding of your Investment Goals, we will develop a personalized strategy taking into account your age, time horizon, risk comfort level, and investment suitability.
  • We will then present our strategy to you, and together we will construct and implement your investment portfolio.
  • Once implemented, your investment portfolio is monitored methodically and adjustments (if needed) will communicated to you and authorized by you to ensure that you stay on track and on schedule to meet your goals.
  • We can provide full financial planning for all stages of your life.

Investment Planning

An investment plan defines guidelines as to how you will invest your money, prioritize, fund, manage and evaluate your investments while you seek to meet your short term goals and long term objectives. Investors may use an active and/or a passive management style for a portfolio depending on
long-, intermediate, or short term goals, and their individual (or unique) determine investment style.

Investment Risk and Volatility

Volatility and risk are different concepts, but both have a role in determining your investment success. Volatility is simply how much the market will increase or decrease, whereas risk is the amount of loss or gain you are willing to accept. The volatility of your investments is often a result of the level of risk you are willing to accept. During periods of market volatility, it is important to stay focused on your asset allocation goals according to your predetermined risk profile.

Volatility is simply short-term instability which can affect all investments, including good equity funds, because of fear generated in the markets.

Investment Retirement Solutions

You will spend many years working. One day you will need to retire with a good income generated from your accumulated investments. Retirement planning is an ongoing process. You will need to manage your investments carefully to maximize their return through life’s various stages as you move closer to, and during, retirement.

Through good markets and volatile markets, we help individuals, families, and business owners with their investment goals, providing the tailored solutions. We realize one program doesn’t fit all
investor needs.  We will take into consideration your goals, if you have short-term needs, we will help you tailor an investment plan to suit your goal.

We can help you to re-evaluate your investment strategy. We assist you in developing a balanced plan best suited to your overall investment needs. Retirement planning must ensure the best use of capital with minimization of tax during the investment growth stages. Also during the period when you retire and depend on your investments to create wealth as it transfers to income.

Annuities as an Investment

An annuity is a simple retirement option you can use to create income. In exchange for a sum of money, you receive income payments made up of interest and principal that is determined by your age (and in certain cases, your spouse’s age), current interest rates, the length of time the payments is guaranteed for and the amount of money used to purchase the annuity.

Annuities can offer the highest guaranteed income amount from an investment at the time of planning. They are an great choice for an investor who wants to help cover essential expenses in retirement, prefers a guaranteed income stream, is concerned about outliving his or her savings, wants to reduce tax on investment income or subsidize early retirement income. It is also useful where an investor wants to fund a child’s ongoing educational costs.

Contact us to discuss Annuity options that may suit your overall investment planning.

Individual Pension Plan as your retirement Investing

An Individual Pension Plans (IPP) is a vehicle for retirement and estate planning for the right person (business owners over 40 or incorporated professionals earning around $100,000+). It is a defined benefit
pension plan which provides tax deferred contributions than those available through a Registered Retirement Savings Plan (RRSP).

Contact Richard Van Scheltinga, wealth advisor in Toronto, ON, to enquire about different investment planning methods.

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