Investments
Invest With Your Goals in Mind
Investing is about more than choosing an investment. It's about understanding what you're saving for, when you'll need the money and how much investment risk is appropriate for you.
Whether you're building savings, preparing for retirement, generating retirement income or planning for a specific goal, MWFS can help you review the available options and develop an investment approach suited to your circumstances.
Investing for Your Goals
Your investment strategy may change as your life and financial priorities evolve.
We can help you consider strategies for:
- building long-term savings;
- preparing for retirement;
- generating retirement income;
- saving for a child's education;
- saving toward a first home;
- building tax-efficient savings; and
- preserving capital and generating predictable income.
The appropriate approach depends on your objectives, time horizon, income requirements, liquidity needs and comfort with investment risk.
Savings & Accumulation
Different registered and non-registered accounts can help you save for different goals.
Tax-Free Savings Account (TFSA)
A TFSA provides a flexible way to save and invest while allowing investment growth and withdrawals to remain tax-free.
Registered Retirement Savings Plan (RRSP)
An RRSP can help build retirement savings while providing a tax deduction for eligible contributions and tax-deferred growth while funds remain in the plan.
First Home Savings Account (FHSA)
An FHSA combines features of an RRSP and TFSA to help eligible first-time home buyers save toward the purchase of a qualifying first home.
Registered Education Savings Plan (RESP)
An RESP can help parents, grandparents and families save for a beneficiary's post-secondary education while providing access to available government education savings incentives.
Registered Disability Savings Plan (RDSP)
An RDSP is a long-term savings plan designed to help eligible individuals with disabilities and their families save for future financial needs, with government grants and bonds potentially available.
Guaranteed Investments
For investors seeking security, predictable interest or a place for funds needed within a defined period, guaranteed investments can form an important part of an overall investment strategy.
MWFS provides access to guaranteed investment options from a range of financial institutions, including:
- Guaranteed Investment Certificates (GICs);
- Guaranteed Interest Accounts (GIAs);
- term and short-term deposits; and
- High Interest Savings Accounts (HISAs).
Terms, rates, liquidity and deposit protection can vary by product and financial institution.
Looking for Current GIC and Deposit Rates?
Interest rates change regularly. Rather than displaying rates on this page, visit our Guaranteed Rates page to view current rates and available terms.
View Current Guaranteed Rates →
Investment Solutions
Segregated Funds
Segregated fund contracts combine professionally managed investments with certain insurance contract features. Depending on the contract, these may include maturity and death benefit guarantees and the ability to name a beneficiary.
They can be considered for registered and non-registered investments where appropriate.
Learn more about Segregated Funds →
Market-Linked Term Investments
Market-linked term investments can provide principal protection while offering returns linked to the performance of specified markets or securities, subject to the terms and conditions of the investment.
Learn more about Market-Linked Term Investments →
Planning for Retirement Income
Investment planning doesn't end when you retire. As retirement approaches, the focus often shifts from accumulating savings to determining how your savings, pensions, government benefits and investments can work together to provide sustainable retirement income.
Withdrawal requirements, income needs, investment risk and tax considerations can all influence your retirement-income strategy.
Finding the Right Approach
There isn't one investment strategy that's right for everyone.
An investment review considers factors such as your:
- financial goals;
- investment time horizon;
- comfort with investment risk;
- income requirements;
- liquidity needs;
- tax circumstances; and
- existing savings and investments.
As circumstances change, your investment strategy may need to change with them.
Is It Time to Review Your Investments?
An investment review can be useful when you're:
- making a new contribution or investing accumulated cash;
- reviewing your TFSA or RRSP strategy;
- approaching retirement;
- beginning RRIF or LIF withdrawals;
- considering a maturing GIC or term deposit;
- saving for education or a first home; or
- simply determining whether your existing investments continue to reflect your goals.
Let's Talk About Your Investment Goals
Whether you're starting to save, reviewing existing investments or planning how your savings will provide income in retirement, your MWFS Representative can help you review your goals and available options.
Talk to Your MWFS Representative →
Investment products, guarantees, features and availability vary by product and provider. Investments may fluctuate in value unless otherwise stated and may not be suitable for every investor. This information is provided for general educational purposes and is not intended as individual investment, tax or legal advice.
