INVESTMENT

Whether you are saving for a specific goal or simply for a rainy day, the choice of investment products and abundance of funds make investing a complex process. Your attitude to risk, your tax situation, the term of investment and the amount to invest all play an important part when developing a financial strategy.

Our Principles of Advice

NEPGL integrates your financial objectives, current savings / investments and your expenditure into one financial concept. Taking into account your personal financial situation and aims, advisors at NEPGL assess the amounts required for investment in order to realize your goals.

Over time you will aim to accumulate various assets, so that at a given point you will have attained sufficient funds to provide for your retirement. The aim is to ensure that your objectives and those of your family are met, notwithstanding any unforeseen events such as illness or death. It is essential that plans allow for ongoing changes to the asset mix.

There will always be changes in your personal and professional life, planned as well as unforeseen. By taking into account all those hidden factors which may impact on your financial situation, NEPGL is able to adjust to these changes promptly.Your particular goals are the basis of our planning for you. Our clients always receive an individually tailored financial plan.

Investment Products we offer

  • Mutual Funds (Offered through Sterling Mutuals Inc only)
  • Segregated Funds-Individual Variable Insurance Contract (IVIC)
  • Annuities
  • Guaranteed Investment Certificate (GIC)

Within Mutual Funds and Segregated Funds We provide the following type of accounts:

  • Non Registered/Cash Accounts (Individual, Joint, partnership and Corporate)
  • In Trust Accounts (In Trust for & Estate/Trust )
  • Tax Free Savings Accounts (TFSA)
  • Retirement Savings Plan (RSP / RRSP)
  • Group RSP
  • Spouse or common-Law partner (RSP / RRSP)
  • Retirement Income Fund (RIF)
  • Spousal RIF
  • Locked-In Retirement Income Fund (LRIF)
  • Locked-In Retirement Accounts (LIRA)
  • Restricted Locked-In Savings Plan (RLSP)
  • Life Income Fund (LIF)
  • Restricted Life Income Fund (RLIF)
  • Locked-In RSP
  • Non Registered leverage Investments
  • Registered Education Saving Plans individual or Family (RESP)
  • Leverage Investments

Leverage Investments and RRSP Loans

Leverage investment loans and RRSP Loans are provided through the following institutions:

  • B2B TRUST
  • MANULIFE BANK
  • TD CANADA TRUST
  • Bank Of Montreal (BMO)
  • AGF TRUST

Leveraging magnifies gains or losses, it is important that you know that a leveraging purchase of mutual funds or segregated funds involves greater risk than purchase using your own cash resources only. Leveraging may not be suitable for every individual do some due diligence before entering into leveraging strategy.

Note:

Commissions, trailing commissions, management fees, and expenses all may be associated with mutual funds investments. Please read the prospectus before investing. Volatility is an integral part of equity markets. Fluctuations and possible short term losses are inevitable. Past performance is not a guarantee to future performance and the value of units purchased in particular investment funds and the yield from them can fall as well as rise.Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

To know more about Mutual Funds and Segregated Funds contact us for personal appointment with one of our designated advisor.