Heda Investments offers Proactive, Professional, Wealth Management Services. This includes a variety of resources for the common investor, like Calculators, Online Services, Articles of Interest and Market Updates. Insights Resources Calculators & Links Events #HedaInvestmentsQuotes Sunil's Blog & Market Update Commonly used calculators. Calculators & Links Upcoming Events Events Quotes that help you grow financially #HedaInvestmentsQuotes For interesting reads about the current financial markets and quarterly Market Updates. Sunil's Blog & Market Update Follow us on Linkedin Insightful Videos Play Video Play Video 02:22 Tax-Managed Investing | How are we going to pay for all this? Part Two Disclosures: Fund objectives, risks, charges and expenses should be carefully considered before investing. A summary prospectus, if available, or a prospectus containing this and other important information can be obtained by calling (800) 787-7354 or visiting https://russellinvestments.com. 𝗣𝗹𝗲𝗮𝘀𝗲 𝗿𝗲𝗮𝗱 𝗮 𝗽𝗿𝗼𝘀𝗽𝗲𝗰𝘁𝘂𝘀 𝗰𝗮𝗿𝗲𝗳𝘂𝗹𝗹𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴. Morningstar U.S. Equity Universes includes US Fund Large Blend, US Fund Large Value, US Fund Large Growth, US Fund Mid-Cap Blend, US Fund Mid-Cap Value, US Fund Mid-Cap Growth, US Fund Small Blend, US Fund Small Value, US Fund Small Growth. Methodology for Tax Drag: Includes all open-ended investment products – mutual funds/ETFs that are both active and passive. Tax Drag reflects the arithmetic average of Morningstar Tax Cost Ratio. Data includes all share classes and reflects Morningstar category of US Equity. Morningstar’s tax cost ratio assumes the highest possible applicable tax rates, including the 3.8% net investment income tax. Many investors are not subject to the highest rates. Note that tax drag calculations only apply to taxable accounts. The Morningstar categories are as reported by Morningstar and have not been modified. © 2020 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Please remember that all investments carry some level of risk, including the potential loss of principal invested. They do not typically grow at an even rate of return and may experience negative growth. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns. Nothing contained in this material is intended to constitute legal, tax, securities or investment advice, nor an opinion regarding the appropriateness of any investment. The general information contained in this publication should not be acted upon without obtaining specific legal, tax and investment advice from a licensed professional. Russell Investments’ ownership is composed of a majority stake held by funds managed by TA Associates with minority stakes held by funds managed by Reverence Capital Partners and Russell Investments’ management. Frank Russell Company is the owner of the Russell trademarks contained in this material and all trademark rights related to the Russell trademarks, which the members of the Russell Investments group of companies are permitted to use under license from Frank Russell Company. The members of the Russell Investments group of companies are not affiliated in any manner with Frank Russell Company or any entity operating under the “FTSE RUSSELL” brand. Copyright © 2020 Russell Investments Group, LLC. All rights reserved. This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investment Group. It is delivered on an “as is” basis without warranty. 𝗥𝘂𝘀𝘀𝗲𝗹𝗹 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗺𝘂𝘁𝘂𝗮𝗹 𝗳𝘂𝗻𝗱𝘀 𝗮𝗿𝗲 𝗱𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗲𝗱 𝗯𝘆 𝗥𝘂𝘀𝘀𝗲𝗹𝗹 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀, 𝗟𝗟𝗖, 𝗺𝗲𝗺𝗯𝗲𝗿 𝗙𝗜𝗡𝗥𝗔, 𝗽𝗮𝗿𝘁 𝗼𝗳 𝗥𝘂𝘀𝘀𝗲𝗹𝗹 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀. First used August 2021. RIFIS 24086 Exp0824 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 01:46 When should you start saving for retirement? You don’t need a lot of money to begin saving for retirement. It’s not always possible to invest large amounts to save for retirement, but it’s also not necessary. Play Video Play Video 01:09 What is an RRSP? Did you know the Canadian government gives financial incentives to help you save for your retirement? Find out more about registered retirement savings plans. What is an RRSP? Simply put, a Registered Retirement Savings Plan, or RRSP, is a special type of savings account that helps Canadians save for their retirement. How does an RRSP work? Contributions you make to an RRSP are tax-deferred, meaning the money is only taxed when you withdraw it. For most, withdrawing from your RRSP at a later point in life means paying much less tax. Any money put into an RRSP, up to the annual limit, reduces your taxable income for that year. Your annual limit is a percentage of your earned income plus unused room from earlier years. You can hold a variety of investments in your RRSP, like stocks, bonds, GICs, and mutual funds. Because income earned inside an RRSP isn't subject to tax until it's withdrawn, RRSPs are a powerful way to save for your retirement. Find more tips and tools at sunlife.ca. Life's brighter under the sun. Learn more about RRSPs: https://www.sunlife.ca/ca/Investments/RRSP+TFSA+and+RESP/Registered+retirement+savings+plan+RRSP?vgnLocale=en_CA Play Video Play Video 02:27 What is diversification? Learn, in easy-to-understand terms, what diversification is and why it is important in your investment strategy. Play Video Play Video 02:01 BMO Guaranteed Investment Funds Play Video Play Video 01:04 How the Chartered Investment Manager (CIM) designation benefits you The Chartered Investment Manager (CIM®) designation is a leading industry standard for discretionary investment and portfolio management services. It ensures advisors have the knowledge and skills to evaluate and expertly manage all aspects of a client’s investment portfolio. Learn more about how the CIM benefits you by watching this video. 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.

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 Upcoming Events Webinar - Getting started with investing - Saturday, January 17, 2026 Sat, Jan 17 Webinar More info Learn more Webinar - RRSPs and TFSAs and you - Monday, January 19, 2026 Mon, Jan 19 Webinar More info Learn more Webinar - Getting started with investing - Tuesday, January 20, 2026 Tue, Jan 20 Webinar More info Learn more Webinar - Taking the stress out of money - Friday, January 23, 2026 Fri, Jan 23 Webinar More info Learn more Retirement Planning Workshop Book a convenient time Virtual Meeting More info Learn more Webinar - Taking the stress out of money - Wednesday, January 14, 2026 Wed, Jan 14 Webinar More info Learn more Webinar - RRSPs and TFSAs and you - Friday, December 12, 2025 12:00 PM - 12:30 PM Fri, Dec 12 Webinar More info Learn more Webinar - Your retirement income sources - Wednesday, December 10, 2025 7:00 PM - 7:30 PM Wed, Dec 10 Webinar More info Learn more Webinar - Four common investing mistakes and how to avoid them - Wednesday, December 10, 2025 12:00 PM - 12:30 PM Wed, Dec 10 Webinar More info Learn more Webinar - Your retirement income sources - Friday, December 5, 2025 12:00 PM - 12:30 PM Fri, Dec 05 Webinar More info Learn more Webinar - Four common investing mistakes and how to avoid them - Wednesday, December 3, 2025 3:00 PM - 3:30 PM Wed, Dec 03 Webinar More info Learn more Webinar - Taking the stress out of money - Saturday, November 29, 2025 Sat, Nov 29 Webinar More info Learn more Webinar - Getting started with investing - Tuesday, November 18, 2025 Tue, Nov 18 Webinar More info Learn more Webinar - Taxes and your retirement income - Wednesday, November 12, 2025 Wed, Nov 12 Webinar More info Learn more Webinar - Internet scams—protect yourself and your money - Friday, October 24, 2025 Fri, Oct 24 Webinar More info Learn more Webinar - Shedding some light on government programs: Old Age Security (OAS) - Wednesday, October 22, 2025 Wed, Oct 22 Webinar More info Learn more Webinar - Save or pay down debt? - Tuesday, October 21, 2025 Tue, Oct 21 Webinar More info Learn more Webinar - Countdown to retirement - Monday, October 20, 2025 Mon, Oct 20 Webinar More info Learn more Load More Events Sunil's Blogs Webinar - RRSPs and TFSAs and you - Tuesday, February 10, 2026 Registered Retirement Savings Plans (RRSPs) and, tax-free savings accounts (TFSAs)—what's the difference and how could they help you save money? Join this webinar to learn what these plans are, how they’re different, and why you could think about both when you’re deciding how to save. Covered call ETFs: Why investors should tread carefully before buying into the hype A covered call ETF is an exchange-traded fund that holds a portfolio of stocks and earns income by selling call options on those stocks. These funds are often marketed as attractive because they can generate income, reduce volatility, and give investors exposure to covered call strategies without needing to execute trades themselves. "It's a really smart, lazy intern": Experts warn against relying on AI for investment decisions AI can be useful as a research and summary tool, but the idea that investors can delegate important financial decisions to it — at least in its current state — is misguided More Blog Sunil Heda, CPA (US), CIM® Investment Advisor and Associate Portfolio Manager, Book a no obligation consultation with an experienced Investment Portfolio Manager Book Meeting Get Life Insurance, Critical Illness, Disability Insurance Quote Insurance Quote 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

Explore Sunil's captivating Photo Gallery, showcasing the widespread involvement of Sunil Heda giving a well rounded experience Sunil's Photo Gallery hero section Joe Li, Regional Counselor City of Markham Kevin O'Leary, Businessman, Television Personality, Founder of SoftKey Amrit Mangat, Former Ontario MPP Sunil Heda with Surrender Sharma, world renowned Indian poet writer and humorist Sunil and Sadhguru, World Renowned Yogi and Mystic Jason Kenny, Former Canadian Minister of National Defence Baba Ramdev, world renowned Yoga Guru Susan Fennell, Ex Mayor Brampton and Hansa Heda Patrick Brown, MPP, Mayor of Brampton, Former leader of the Progressive Conservative Party Michael Wekerle, Merchant banker and Dragon's Den cast Ontario Konkani Association - Convention My family - Sunil, Hansa, Harsh and Yash Heda Dr. Helena Jaczek, MPP, Ontario Minister of Community and Social Services and Hansa Heda ICCC Seminar Deepak Anand, Ontario MPP Arya Chandra, Member of Parliament Nepean, Ontario Patrick Brown, MPP, Leader of the Progressive Conservative Party of Ontario Frank Scarpitti, Mayor of Makham City Insightful Video 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 Play Video Play Video 02:42 Conditions hypothécaires diversifiées 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 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 02:49 An introduction to mutual funds Get a simple explanation of how mutual funds work. Play Video Play Video 02:27 What is diversification? Learn, in easy-to-understand terms, what diversification is and why it is important in your investment strategy. Play Video Play Video 02:13 Financial resolution: the value of an advisor Clément Gignac, Senior Vice-President and Chief Economist, shares with you the importance of working with an advisor.

Ah, spring. The snow recedes, the wind warms and positive change is the air. You may be thinking about doing a little spring cleaning to tackle tasks that have gone undone in the hustle and bustle of life.

Do you want to know more about how your savings can help you save money on taxes? Join this webinar to learn practical tax planning tips and strategies. We go over how to avoid tax penalties, maximize deductions, and make the most of your savings. Register now: Friday, March 6, 2026 12:00 P.M., ET

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. Register now: Saturday, March 7, 2026 12:00 P.M., ET

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.