Heda Investments offers Proactive, Professional, Wealth Management Services. This includes Portfolio Management Services, Insurance Management and Retirement Planning Services. Your Vision and Goals. Our Personalized, Professional Wealth Management Services. Begin your Wealth conversation now! Welcome to Heda Investments Services Insights Who are you? About Us Investment Advisor & Associate Portfolio Manager, Manulife Wealth Inc. Life Insurance Advisor, Manulife Wealth Insurance Services Inc. Meet Sunil Heda CPA (US), CIM® A seasoned finance professional with over 25 years' experience in global institutions, including CIBC and presently at Manulife Wealth. Sunil holds the Certified Public Accountant - CPA (US) and Chartered Investment Management - CIM® designations and manages his Investment and Wealth Management practice in Ontario and British Columbia. Sunil is also licensed Life Insurance Advisor in Ontario and British Columbia. Comprehensive Skill Set: Professional training and proficiency in Portfolio Management and Insurance Management, having received training in he Canadian Securities and Insurance industry ;also prior experience in Accounting, Finance, Information Technology and Risk management. Proactive & Personalized Service: Committed to a proactive, professional approach, providing comprehensive Investment and Wealth Management services to Business Owners, Professionals, and Individuals. Our Team Contact Us Testimonials What We Do ? INVESTMENT MANAGEMENT RISK & INSURANCE MANAGEMENT BANKING SERVICES RETIREMENT PLANNING, TAX AND ESTATE PLANNING Our Brochure Testimonials " Sunil has done a great job managing my portfolio. We were new to Canada and he helpd us navigate the multiple investment options here. He is responsive with timely communications and brings forward solutions with long-term thinking. " Saurabh All Testimonials Our Niche We enable access to all Investment avenues on the market and are not bound by proprietary products We offer comprehensive Wealth Management services through entire journey - through accumulation, growing, protecting and transferring wealth working closely with accountants and tax lawyers for tax, retirement and estate planning We offer Discretionary Portfolio Management Services , providing you with a range of inherent benefits. $1.3 Trillion Manulife has over $1.3 trillion (US$1.0 trillion) in assets under management and administration as of Dec 31, 2022 #1 Manulife is not only Canada’s largest insurance company in terms of total assets, it also ranks among the world’s top 10 in the category Since 1887 Manulife serves one in four Canadians as of Dec 31, 2022 Webinar - Save or pay down debt? - Thursday, July 17 2025 Tue, Jun 17 Webinar More info Learn more Webinar - RRSPs and TFSAs and you - Monday, June 19, 2025 Thu, Jun 19 Register using link below More info Learn more Webinar - Estate planning basics—getting a head start on the future, Thursday, June 23, 2025 Mon, Jun 23 Webinar More info Learn more Load More Events Sunil's Blogs Webinar - Shedding some light on government programs: Old Age Security (OAS) - Thursday, July 10, 2025 How much can I expect from OAS? Who is eligible for the Guaranteed Income Supplement (GIS)? Join this webinar to learn about these government programs, including when and how to receive them. Webinar - Save or pay down debt? - Thursday, July 17 2025 When you have competing priorities, where do you put your money? Do you save for the future or get rid of your debt? Join this webinar to learn about things that may affect your decisions and strategies to help you decide. Webinar - Countdown to retirement - Monday, July 7, 2025 Whether your retirement is miles away or just around the corner, it’s a major life event—a shift that will redefine you and your everyday. Join this webinar to learn what you can do now to prepare. Discover the four milestones on the road to your retirement. And learn about the resources Manulife offers to help you get retirement ready. More Blog Book a no obligation consultation with an experienced Investment Portfolio Manager Book Meeting Get Life Insurance, Critical Illness, Disability Insurance Quote Insurance Quote Sunil Heda, CPA (US), CIM® Heda I nve stment s Investment Advisor and Associate Portfolio Manager, Manulife Wealth Inc Life Insurance Advisor, Manulife Wealth Insurance Services Inc. Buy Travel Insurance Purchase Travel Insurance (including for Supervisa) for Visitor or Travelling Canadians Book a no obligation call- back with an experienced Investment Portfolio Manager Book a Call Back

What type of investor are you? Equity Investor, Fixed Income & GIC Investor, Tax Wise Investor, Business Owner & Professional, Pre-Retiree, and Retiree. Who are you? What is your appetite for risk? Some people may find sky diving thrilling; others would rather keep their feet on the ground. The difference between these individuals is quite likely their attitude towards risk – how willing they are to jump out of an airplane for an unforgettable thrill. It is much the same when it comes to investing. Your attitude with respect to the potential of losing money and your ability to absorb a financial loss can be very different. Learn More > Equity Investor Fixed Income & GIC Investor Tax Wise Investor Business Owner & Professional Pre-Retiree Retiree The risk of outliving your savings Canadians are living longer and longer. Most of us will likely see our 80th birthday and a growing number of us are expected to live to 100. And while many of us do plan to keep working well after turning 65 — or even indefinitely — the majority are looking forward to some form of retirement when we hit our 60s. That means we need to ensure that the nest egg we accumulate over our working life lasts long enough to support us through 30 or even 40 years of retirement. Click learn more about how to protect yourself against the risk of outliving your savings, or what we call 'longevity risk.' Learn More > The value of advice In an effort to stay healthy, you make seeing your doctor a priority. Your doctor knows your medical history and, if there is a problem, can recommend a course of treatment. The same concept applies to your finances – regular checkups with an advisor can go a long way towards improving your financial health. Whether your goal is to reduce debt, buy a house, save for retirement or simply pay the bills, you don't have to go it alone. Regardless of your stage of life or amount of wealth, you can benefit from the professional counsel and services of an advisor. In fact,71 per cent of advised households started working with an advisor when they had less than $50,000 in investable assets.1 Milestones such as buying a first home, starting a new job or having a child are all good opportunities to address new financial needs and begin working with an advisor. To view the next steps click on the slides Follow us on Linkedin Insightful Videos Play Video Play Video 02:05 WTF Is an ETF? There are now over 6,000 ETFs on 60 exchanges and ETFs exist for everything from corporate bonds to gold bars to oil futures. Like the USB port or a gas pump, ETFs have basically standardized the entire universe of investing so that everything under the sun now trades like shares of Apple. But what, exactly is an ETF and why have they become so popular? Bloomberg explains in this short video. Like this video? Subscribe to Bloomberg Business on YouTube: http://www.youtube.com/Bloomberg Watch Bloomberg TV live at http://www.bloomberg.com/live Play Video Play Video 00:13 You're Not Alone! Life Insurance Awareness Month. Learn more at www.empirelife.ca! Play Video Play Video 02:30 The Rule of 72 Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power! Play Video Play Video 01:12 Retirement Planning with GIF 100/100 Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 01:33 Manulife Mortgage Protection Insurance (Client) Learn about Manulife Mortgage Protection Insurance and help protect the people you love. Play Video Play Video 00:16 How Much Life Insurance Do I Need? Life Insurance Awareness Month. Learn more at www.empirelife.ca! Play Video Play Video 01:02 How do I know if I need life insurance? Part II

What type of investor are you? Fixed Income & GIC Investors are people who invest in guaranteed investment certificates and focus on passive and steady income. Fixed Income & GIC Investor Bonds Borrowing with Bonds - Bonds serve as a financial tool enabling governments or corporations to borrow money from investors. They are issued with a predetermined interest rate over a specified period, from issuance to maturity. Interest Determinants - The interest rate or coupon paid for the loan is influenced by factors like the issuer's creditworthiness and prevailing market rates. Vital Asset Class - While investing in bonds may appear intricate, they play a crucial role in diversifying your portfolio. Including bonds or fixed-income securities ensures a well-balanced and secure investment strategy. Learn More > The Laddered GIC Account The Laddered GIC Account is a GIC investment that will automatically diversify your portfolio by ensuring that a portion matures each year and is reinvested at attractive long-term rates. Key Features: Diversified Portfolio: We evenly divide your investment into multiple term lengths, all starting with an attractive initial interest rate. Choose from laddered terms of one to five years or one to ten years. Automated Maturity: A portion of your investment matures annually. You can opt for automatic reinvestment into five- or 10-year terms or withdraw funds. Interest Flexibility: Interest can compound until maturity or, for non-registered accounts, be credited monthly, quarterly, semi-annually, or annually to the Daily Interest Account. Liquidity: Cashable in whole or in part, at any time*. Benefits: Rate Stability: Safeguard against future interest rate fluctuations with an initial competitive rate for all terms. Effortless Renewal: Your GIC investments can renew automatically into attractive long-term rates, with minimal involvement required. Access Anytime: Your funds are available when you need them* GIC Rates > *Surrender charges may apply if withdrawals are made prior to the maturity date. Withdrawals may be subject to legislative or contract restrictions. Additional information is available from your advisor. Contact Us > GIC Quote > Principal Protected Structured Notes (PPN) PPNs, also known as deposit notes, offer a unique investment opportunity that blends principal protection with the potential for equity market growth. With typical terms of six to eight years, PPNs tie their returns to the performance of equity investments. Benefits of PPN: Principal Protection: Your initial investment is safeguarded, ensuring peace of mind. Equity Market Participation: PPNs are typically linked to the performance of an equity investment, giving you the chance to benefit from market growth. Whether you're a seasoned investor or new to the financial landscape, Principal Protected Notes provide a secure way to explore the benefits of both worlds. GIC Quote > Contact Us > Guaranteed Interest Contract (GIC) Are you seeking security for your investment portfolio and peace of mind? Look no further than Guaranteed Investment Certificates (GICs). They offer a solid foundation for your investment strategy by reducing risk and providing consistent returns. Here's why you should consider GICs: A Solid Foundation: GICs act as the bedrock of your portfolio, enhancing stability and risk management. Positive Returns: Enjoy the confidence of guaranteed growth in at least a portion of your portfolio. Peace of Mind: Your principal is safe and secure, allowing you to rest easy. GIC provides certain benefits that may not be available through mutual fund organizations, banks, or trust companies, plus a broad range of investment choices: Basic Account Laddered Account Escalating Rate Account Market Growth Account Daily Interest Account GIC Quote > GIC Rates > Contact Us > Insightful Videos Play Video Play Video 07:42 Opportunity Amid the Noise Group CIO Dan Ivascyn explains why volatility is creating a target-rich environment in fixed income, and how to build a resilient portfolio that capitalizes on opportunities across public and private markets. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia Play Video Play Video 02:22 Dan Ivascyn on Bond Investing in a Turbulent Global Market Stay updated with the latest insights from PIMCO’s Group CIO Dan Ivascyn, as he discusses the value of high-quality fixed income and navigating risks amid the current market turbulence. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia Play Video Play Video 42:12 Municipal Bonds: Volatility Yields Opportunity Recorded on 10 April 2025 Join David Hammer, Head of Municipal Bond Management, and Account Manager Antonese Robertson as they discuss the recent action-packed week for municipal investors. Despite speculation, they share their bullish outlook on the asset class and its tax-exempt status. Part 1: 00:11:57 - Current Environment Part 2: 00:15:30 - Credit Quality, Policy implications & Taxes Part 3: 00:30:45 - Seeking Opportunity Amid Volatility Part 4: 00:38:00 - Outlook on Municipal Bonds For additional information,please visit our Municipal Bonds (https://www.pimco.com/us/en/investment-strategies/tax-efficient-investing?utm_source=apple_spotify&utm_medium=podcast&utm_campaign=yq25q2-l1gwm-uagwm_advisor_forum-cpadvisor_forum-spaccrued_interest_podcast-moawareness-isna&utm_content=cnmunisep-sgawareness) page. The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures (http://www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures) Play Video Play Video 44:26 Asset-Based Finance: New Frontiers in Private Credit From residential credit and consumer lending, to aviation finance, equipment leasing, and music royalties, Asset-Based Finance ("ABF") covers a wide range of lending specialties. Investments in these areas can offer attractive income backed by hard assets, and help to diversify portfolios away from more crowded areas of the private credit landscape. Join PIMCO experts Kris Kraus and Christian Clayton, alongside host Greg Hall, to trace the development of private credit since the Global Financial Crisis and to learn how new frontiers in the space open up new possibilities for advisors and their clients. Asset-based finance (ABF), with its diverse, asset-backed pools, offers opportunities for steady income, accelerated cash flows, and portfolio diversification. Part 1 –Introductions Part 2 –History of the Private Credit Opportunity, Pre-GFC to Now Part 3 –Underlying Macro Conditions for Asset-Based Finance Part 4 – MarketRequires a Disciplined Approach Part 5 – Why Asset-Based Finance Now? Part 6 –Resiliency Across Economic Cycles Part 7 – How Advisors Should Approach Learn more about asset-based finance: Asset-Based Finance Explained (https://www.pimco.com/us/en/resources/video-library/media/asset-based-finance-explained?utm_source=apple_spotify&utm_medium=podcast&utm_campaign=yq25q2-l1gwm-uagwm_advisor_forum-cpadvisor_forum-spaccrued_interest_podcast-moawareness-isna&utm_content=cnabfeep12) PIMCO Alternatives Investment Outlook | Private Credit: Asset-Based Finance Shines as Lending Landscape Evolves (https://www.pimco.com/us/en/insights/private-credit-asset-based-finance-shines-as-lending-landscape-evolves?utm_source=apple_spotify&utm_medium=podcast&utm_campaign=yq25q2-l1gwm-uagwm_advisor_forum-cpadvisor_forum-spaccrued_interest_podcast-moawareness-isna&utm_content=cnabfep12) Learn more about our diversified multi-sector strategy (https://www.pimco.com/us/en/investments/interval-fund/pimco-flexible-credit-income-fund/inst-usd?utm_source=apple_spotify&utm_medium=podcast&utm_campaign=yq25q2-l1gwm-uagwm_advisor_forum-cpadvisor_forum-spaccrued_interest_podcast-moawareness-isl1credit&utm_content=cnep12pflex) The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures (http://www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures) Play Video Play Video 06:18 Fixed Income Insights September 2024 Join for "Fixed Income Insights", our monthly perspective of the macro economy and where things are likely headed with regard to inflation, growth and rates. In this episode we explore: • Understanding the power of starting yield • Why duration is a benefit in portfolios • The impacts of a yield curve normalization in fixed income Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia Play Video Play Video 06:45 Value Returns to Fixed Income Markets Group CIO Dan Ivascyn discusses how the volatility of the past two years has set the stage for bonds to offer greater downside cushion and improved return potential ahead. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia Play Video Play Video 05:47 Forecast Favors Fixed Income Learn why we believe it is prime time for bonds, how we’re emphasizing diversification and caution and prioritizing quality, and where the opportunities are in today’s markets and beyond. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia Play Video Play Video 46:26 Peter Lynch: The Ultimate Guide To Stock Market Investing Peter Lynch is regarded as one of the world's most successful and well-known investors. Lynch is the legendary former manager of the Magellan Fund at Fidelity Investments, a large financial agency. At the age of 33, he took over the fund and ran it for 13 years. His accomplishment allowed him to retire at the age of 46 in 1990. Lynch's investment technique has been regarded as adaptable to time's economic circumstances, but he constantly highlighted the importance of knowing what you own.

Canada’s annual inflation rate remained flat at 1.7 per cent in May, according to the latest data from Statistics Canada released. Economists say Bank of Canada (BoC) policymakers will likely need to see more convincing data to justify a rate cut on July 30.

THERE’S NO SHORTAGE OF CRISES: A bloated U.S. debt and a jittery bond market; the unwillingness of Vladimir Putin to negotiate, etc. But there’s one crisis that dwarfs all the rest: Iran.

This article looks at whether potential creditor protection and estate benefits may be available for non-registered and registered insurance investment contracts.

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.