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Portfolio management for every investor profile - equity, retiree or business owner. Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia 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

Manulife Bank services in Ontario & British Columbia - Advantage Accounts, GICs & flexible financing. Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario. Banking Services Individual & Business - Advantage and Investment Savings Account Personal Advantage Account is a high-interest savings account that offers a high interest rate and gives you the features and flexibility of a chequing account. With online and telephone transfers, pre-authorized chequing and bill payments, and debit card access, you can access your money when and where you need it. Making deposits into your Personal Advantage Account is free, and withdrawals are free when your balance is $1,000 or more at the time of transaction. Personal Advantage Account> Open Now > Business Advantage Account > Contact Us > Guaranteed Investment Certificate (GIC's) GIC, or Guaranteed Investment Certificate, offer a fixed interest rate over a specified term, providing a reliable and predictable return on your investment. We have ability to book GICs with about 20 institutions. This includes amongst others, Banks such as CIBC, Bank of Nova Scotia, Manulife Bank, National Bank, Equitable Bank etc. All GICs are with institutions who have the CDIC – Canadian Deposit Insurance Corporation Protection All the GICs are booked within a single account which saves you the hassle of opening multiple accounts with several institutions. Keeping all the GICs in one accounts enables exercising care to identify and highlight to you if the booking of a new GIC would result in your aggregate GIC with an institution to exceed the CDIC coverage. Maintaining GICs through us streamlines the management of renewal of GIC to alert you about matured GIC and speedily booking them which means funds are always working. Guaranteed investment certificates (GICs) give you an investment guaranteed to grow and reassurance that your money is secure. Whether you’re looking for a low-risk investment or an effective way to diversify your portfolio, there are many benefits to GICs: Growth Security Flexibility Simplicity GIC Quote > GIC Rates > Debt Management Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. Specialized Lending > Investment Financing > RSP Financing > Access Line of Credit > IRP Lines of Credit > Flexible Financing Solutions to achieve Financial Freedom - Individual & Business Canadians owe $1.65 for every dollar of disposable income in our pockets – we’re spending more than we’re making. And it can increase our stress if it prevents us from paying bills, putting food on the table or saving for the future. Flexible Financing Referral > Learn More > Manulife Bank Manulife Bank is a Schedule I federally chartered bank and a wholly‑owned subsidiary of The Manufacturers Life Insurance Company. Established in 1993, it was the first federally regulated bank opened by an insurance company in Canada. Manulife Bank supports the sale of the parent’s core products and distributes its products through a number of channels, including financial advisors, mortgage brokers, deposit brokers and direct‑to‑client. To learn more, Click here > Insightful Videos Play Video Play Video 02:18 Diversified mortgage terms Play Video Play Video 01:07 4 things you didn’t know about your Advantage Account – Manulife Bank Four things you may not know about your Advantage Account When you get a new bank account, most banks ask you to choose between a great interest rate, no fees and the ability to bank the way you want. With your Advantage Account, you don’t have to choose. Here are four things you may not know about your Advantage Account: One. You have access to all the features of a chequing account. You can send an e-Transfer to your brother. Tap to pay for tonight’s take-out. And use our mobile app to deposit that cheque your parents sent you for your birthday. Two. You can bank for free. When you keep a thousand dollars in your account, there are no fees for any of your daily banking transactions (fees apply for daily banking transactions when your balance is below $1,000). Three. You earn a great rate of interest on every dollar in your account. Because you deserve to earn interest on your money. Four. You can access your account at thousands of ATMs across Canada with no convenience fee. Check out our website to find one near you. With your Advantage Account, you can have it all. Play Video Play Video 01:55 Mutual Fund Fees Explained Curious about how Mutual Fund Fees work? Learn how Mutual Fund fees benefit you and how they are broken down, how returns on Mutual Funds are calculated, and how this may affect you. Play Video Play Video 01:10 Do I really need travel insurance? With all the different types of travel insurance plans out there, knowing which one is right for you and your family can be confusing. Financial expert Shannon Lee Simmons explains your options. https://www.bmo.com/insurance/travel-insurance Play Video Play Video 02:42 Conditions hypothécaires diversifiées Play Video Play Video 02:22 There’s more to a mortgage than the rate. Play Video Play Video 01:34 The Benefits of Mutual Fund Investing Learning the basics of Mutual Funds can help you reach your financial goals sooner. Find out about the benefits of Mutual Fund investments such as pooling, the choices available to you, and the value and true cost of investing. Play Video Play Video 02:18 Diversified mortgage terms

View photos from financial seminars, client events & community activities by Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia. 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.

Access financial calculators, investment insights, webinars and market updates from Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia. 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.

Meet Sunil Heda, CPA (US), CIM® - Portfolio Manager & Investment Advisor at Manulife Wealth Inc. Vaughan, GTA, Ontario & British Columbia. 25+ years' experience. Portfolio Manager & Investment Advisor, Manulife Wealth Inc. Life Insurance Advisor, Manulife Wealth Insurance Services Inc. Sunil Heda is a seasoned finance professional with over 25 years experience in the financial services industry with global financial institutions such as CIBC and presently Manulife Wealth. Sunil holds the Certified Public Accountant - CPA (US) and Chartered Investment Management - CIM® designations. Sunil has also received professional training in the Canadian Securities industry, holds the Chartered Investment Management CIM® designation and manages his Wealth Management practice in Ontario and British Columbia. Sunil is also a licensed Life Insurance Advisor in Ontario and British Columbia. Sunil Heda finds that his holistic and long term investment philosophy, deep understanding of individual & corporate taxation and well rounded risk management experience make a unique and powerful combination. He takes a structured and disciplined approach to investment management and weaves tax and estate planning strategies in his design of client's portfolio. ‘Proactive, personalized and professional' approach underlines everything that Sunil does. Business Owners (General, Health-Care etc.), Professional Advisors (Accountants, Lawyers etc.) and Individuals (Executives, Retirees, Pre- Retiree, Affluent Families etc.) can find significant benefit from Sunil's comprehensive Investment and Wealth Management services. Sunil Heda is married and lives in Kleinburg, Vaughan with his wife and two young boys. Sunil Heda CPA (US), CIM® About Schedule a 15 minutes consultation Schedule a meeting Write a Google Review SUNIL HEDA Manulife Wealth Inc. Will reply in 24 hours 416-571-0369 Manulife Wealth A trusted, reputable industry leader Backed by the global strength and security of Manulife, serving one in five Canadians, you benefit from the resources and expertise of a trusted company that offers life, health and wealth solutions. Manulife Wealth is the name used in association with three firms who are here to help make your decisions easier and meet your financial goals: Manulife Wealth Inc, an investment dealer Manulife Wealth Inc., a mutual fund dealer Manulife Wealth Insurance Services Inc.*, life insurance agency operating in the national accounts sales channel * Manulife Wealth Insurance Services Inc. operates as Manulife Wealth Insurance Services Inc in the province of B.C. Learn More > Manulife Capital Markets* is Manulife’s investment banking and equity capital markets division. Manulife Capital Markets operates out of offices in Toronto and Vancouver and provides a full range of financial advisory services to both corporate clients and financial advisors across Canada. The Manulife Capital Markets team has a broad range of expertise encompassing many asset classes and industry sectors. Click here to learn more. *A division of Manulife Securities Incorporated Manulife Capital Markets Manulife Capital Markets* is Manulife’s investment banking and equity capital markets division. Manulife Capital Markets operates out of offices in Toronto and Vancouver and provides a full range of financial advisory services to both corporate clients and financial advisors across Canada. The Manulife Capital Markets team has a broad range of expertise encompassing many asset classes and industry sectors. *A division of Manulife Wealth Inc. Learn More > Manulife Wealth Insurance Services Inc Products and Services Whatever your stage in life, Manulife Wealth Insurance Services Inc. can help you feel financially assured with a variety of insurance products to meet your specific needs – whether it’s family protection, business continuity, estate preservation or investment solutions. Products and services include: Segregated funds Life insurance: term, whole life, universal life Disability insurance: income replacement and business overhead protection Critical illness insurance: enhanced and basic plans Long-term care insurance: facility and home coverage Pension plans: group retirement plans, registered pension plans, deferred profit sharing plan and registered retirement savings plans Health care benefits for individuals and associations Annuities: term certain, life *Carrying on business in British Columbia as Manulife Wealth Insurance Services Inc Manulife Financial Corporation Manulife Financial Corporation is a leading international financial services provider that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, it provides financial advice and insurance, operating as Manulife across Canada, Asia, and Europe, and primarily as John Hancock in the United States. Through Manulife Investment Management, the global brand for its global wealth and asset management segment, it serves individuals, institutions and retirement plan members worldwide. At the end of 2023, it had more than 38,000 employees, over 98,000 agents, and thousands of distribution partners, serving over 35 million customers. Manulife trades as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong. Learn More > Insightful Videos 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.

Explore investment quotes and financial insights for smarter wealth-building decisions. Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia. #HedaInvestmentsQuotes Quotable Quotes "The hard truth is only around 3% of our population are in a position to aspire for financial independence. Don’t waste this rare" - Anonymous "Listening to market forecasts is not only useless but can be very harmful too; if you start acting on them." - Anonymous "There are periods of high returns, low returns, no returns and negative returns. We need to go through all these to get long term returns." - Anonymous "We’ll stop looking for quick money the moment we consider stocks as businesses and realise that our wealth grows in line with business growth." - Anonymous "Good periods are more than bad periods. By not timing, though we go through bad periods, do not miss even a single good period." - Anonymous "The day we realise not losing is as important as winning; we would stop blindly chasing returns." - Anonymous "Aggressive strategy cannot be a substitute for high savings. Save high and take moderate risk than saving less and taking high risk." - Anonymous “Making as much money as quickly as possible” is not an investment strategy. Unfortunately for most of us that is the strategy." - Anonymous "Losing opportunities is far better than losing money. Don’t invest in fads." - Anonymous Load More Insightful Videos Play Video Play Video 03:50 Life & Money Matters - Getting a Grip on Excessive Debt Take our debt test to better manage debt and increase your cash flow. 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. Play Video Play Video 00:29 Protect your world with Critical Illness Insurance Play Video Play Video 01:07 Life and Disability Insurance Protecting your employees when it matters most 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 See how Life Insurance helped Henry and Stacey Wondering why to purchase life insurance? Find out how life insurance helped Henry and Stacey. https://www.bmo.com/insurance/life-insurance# For more information about BMO Insurance or our products, please consult your insurance advisor or contact us at 1-877-742-5244.

Business owner wealth management in Ontario & British Columbia - IPP, corporate investments, group benefits & capital dividends. Sunil Heda, CPA (US), CIM® Business Owner & Professional Individual Pension Plan (IPP) With recent changes to pension limits and the inclusion of Individual Pension Plans (IPPs) in succession plans, business owners now have a superior pension option at their disposal. Tax-Efficient Strategy - Unlike registered assets that create tax liabilities in the estate upon the passing of the surviving spouse, IPPs offer a powerful and tax-deferred approach to transferring registered assets to the next generation. Discover the Advantages - Delve deeper into the world of IPPs and witness how these plans can revolutionize your succession strategy. Ensure a Secure Future for Your Business - Unlock the invaluable insights in the article and embrace IPPs for a seamless and prosperous succession plan. Learn More > Tips for Financial Success Own a Business? You're in Great Company! With a million small businesses operating coast-to-coast with less than 100 employees, your venture is part of a thriving community. Ensure a successful retirement for your business by setting up a well-designed retirement plan today. Learn More > Is your private corporation taking Advantages of the Capital Dividend Account? Much like individual investors, Canadian Controlled Private Corporations ("CCPC") shareholders need to be concerned with minimizing taxes and maximizing the capital that will eventually be distributed to them. Contact Us > Are your assets protected from creditors? Legislation exists at both the federal and provincial levels to protect your investments from creditors. Some offer strong protection, while others provide protection with conditions or limitations. Learn More > Insightful Videos Play Video Play Video 01:22 What's the best way to create a workplace mental health strategy? Part of Manulife's series on employee burnout. Dr. Georgia Pomaki discusses steps managers and organizations can take to prevent employee burnout and protect mental health in the workplace. https://www.manulife.ca/business/news/group-benefits-news.html Play Video Play Video 01:19 How does the RESP work? How does the RESP work? ia.ca/resp Play Video Play Video 02:49 An introduction to mutual funds Get a simple explanation of how mutual funds work. Play Video Play Video 02:05 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 01:33 Impact of withdrawals – Canada Life Your RRSP is made for retirement. Try to find other ways in an emergency or to pay down debt. View accessible version: https://share.vidyard.com/watch/CY4kQhkVMkeoRTJGbUvVHx? Play Video Play Video 04:31 Empire Life Class Plus 3.0 RRSP Play Video Play Video 00:36 Tax benefits with an RRSP – Canada Life Did you know that contributing to an RRSP can lower your annual income tax? The tax benefits of an RRSP are better than you might think. View accessible version: https://share.vidyard.com/watch/oxoGYy8QNmmottS48wadYJ? 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

Fixed income & GIC solutions in Ontario & British Columbia - laddered GICs, principal-protected notes & bonds. Sunil Heda, CPA (US), CIM®. Vaughan, GTA 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 12:31 Women And Money: Investing In Your Future | Money Unscripted | Fidelity Investments Baby boomers are set to pass on trillions of dollars to the next generations in the coming years. Much of it is expected to go to women. On this episode of Money Unscripted, Ally sits down with Alex Roca, the new host of Fidelity’s Women Talk Money show to answer women’s two biggest questions: Is it too late to get started and where should I put my next dollar? Hint: It’s never too late. From starting where you are to defining your priorities to keeping your saving and investing consistent, Alex has the tips you can use to focus on the big picture and help make your money work as hard as you do. 00:00 Welcome to Money Unscripted 00:26 Introducing Alex Roca, the new host of Fidelity’s Women Talk Money show. 02:32 What is the Great Wealth Transfer? 02:52 What do women want to consider in their financial planning? 03:37 What are the two biggest questions women ask about money? 05:06 Is it ever too late to start investing or build my financial plan? 06:01 Why is defining my priorities so important? 08:25 How can I build up my financial confidence? 11:06 What are the five keys to financial planning? Questions? Drop them below 👇 and we’ll reply right in the comments. Planning for women’s health costs: https://www.fidelity.com/learning-center/women-talk-money/planning-womens-health Fidelity Women Talk Money: https://www.fidelity.com/learning-center/women-talk-money/event-replays View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity © 2025 FMR LLC. All rights reserved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1204825.2.0 Play Video Play Video 52:41 Insights Live: Creating A Flexible Investment Strategy | Fidelity Investments Join the Insights from Fidelity Wealth Management℠ team as we discuss building and maintaining a strategy that is flexible, suited to your unique situation, and built to help withstand the ups and downs of a volatile market. - Specific topics we'll cover include: - Assessing your goals and evaluating whether you're currently on track to meet them - Allocating assets based on time horizon, desire for growth, and the need for protection - Using tax-smart investing techniques to help you keep more of what you earn - Monitoring your portfolio considering your personal situation, the markets, and the economy - Balancing the benefits of professional management with self-guided tools and software as we discuss living the life you really want in the next phase of your journey. 00:00 Panelist Introductions 02:41 How do you start creating a new plan or reviewing an existing plan? 04:48 How do our professionals guide clients through the financial planning process? 05:53 How do you assess risk tolerance and comfort? 10:50 What steps can someone take to determine asset allocation? 13:44 How do tax concerns impact the way client portfolios are put together? 15:50 How can fidelity help with tax-efficient investing? 18:32 How much cash is too much? 20:54 What role do international stocks play in a portfolio? 26:23 Once you put together an asset allocation, what should go into your account? 29:20 How do you help clients keep their investment strategy in line with their time horizon? 32:54 How should someone manage their money through periods of market volatility? 35:59 How do you suggest clients measure success? 43:16 What are your expectations for interest rates this year? 45:17 What are different ways that Fidelity can help clients implement their plans? 49:04 Key takeaways Questions? Drop them below 👇 and we’ll reply right in the comments. Watch our latest webinars: https://www.fidelity.com/learning-center/wealth-management-insights/insights-live-on-demand?PID=ABcR6h8i7Db5 Get our latest Insights and perspectives on the markets: https://www.fidelity.com/learning-center/wealth-management-insights • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1212923.2.0 #WealthManagementInsights #WealthStrategy Play Video Play Video 28:32 Active asset allocation: Global opportunities – Ayesha Akbar Global trade has been a risk to the markets for most of this year. Through last week, ever more so. The tariff story has been a shock to the system and is beginning to see governments spend differently at home. Investing in their own supply chains, or with new partners in the global system. Fresh rounds of local stimulus means new opportunities to bolster exposure to global local markets and give parts of the emerging world new reasons to shine. Joining the show today to discuss her approach to this new playing field is Fidelity Global Asset Allocation Portfolio Manager, Ayesha Akbar. Recorded on July 11, 2025. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fourth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2024 Environics’ Advisor Digital Experience Study. Fidelity Canada provides Canadian investors a full range of domestic, international and income oriented mutual funds, as well as asset allocation and managed solutions and the high net worth program, the Fidelity Private Investment Program. Fidelity Funds are available through a number of advice-based distribution channels including financial planners, investment dealers, banks, and insurance companies. For privacy policy and legal information, please visit: www.fidelity.ca Read a fund’s prospectus and consult your financial advisor before investing. Mutual funds are not guaranteed; their values change frequently and past performance may not be repeated. Investors will pay management fees and expenses, may pay commissions or trailing commissions, and may experience a gain or loss. Views expressed regarding a particular company, security, industry or market sector are the views only of that individual as of the time expressed and do not necessarily represent the views of Fidelity or any other person in the Fidelity organization. Such views are subject to change at any time based upon markets and other conditions and Fidelity disclaims any responsibility to update such views. These views may not be relied on as investment advice and, because investment decisions for a Fidelity fund are based on numerous factors, may not be relied on as an indication of trading intent on behalf of any Fidelity fund. Certain statements in this commentary may contain forward-looking statements ("FLS") that are predictive in nature and may include words such as "expects", "anticipates", "intends", "plans", "believes", "estimates" and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, and the general business environment, in each case assuming no changes to applicable tax or other laws or government regulation. Expectations and projections about future events are inherently subject to, among other things, risks and uncertainties, some of which may be unforeseeable and, accordingly, may prove to be incorrect at a future date. FLS are not guarantees of future performance, and actual events could differ materially from those expressed or implied in any FLS. A number of important factors can contribute to these digressions, including, but not limited to, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, global equity and capital markets, business competition and catastrophic events. You should avoid placing any undue reliance on FLS. Further, there is no specific intention of updating any FLS whether as a result of new information, future events or otherwise. Play Video Play Video 52:21 Bent, not Broken: Uncovering Value in Commercial Real Estate Join PIMCO's Russ Gannaway, Seray Incoglu and Gino Gabbianelli, alongside host Greg Hall, as they walk through the recent evolution of commercial real estate and where they see opportunity today. From sector selection to the balance of public and private strategies, they explore how advisors can help clients access durable income and long-term value amid ongoing economic uncertainty. Part 1 – Introductions Part 2 – The Story of CRE, Post-GFC to Mid-2010s Part 3 – The Story of CRE, Mid-2010s through COVID Part 4 – The Story of CRE Today Part 5 – Is it a Good Time to Lend? Part 6 – Assessing CRE Sectors Part 7 – The Evolution of CRE Products Offered to Advisors Check out PIMCO's Real Estate Outlook (https://www.pimco.com/gbl/en/insights/bend-not-break-investing-in-real-estate-amid-economic-uncertainty?utm_source=apple_spotify&utm_medium=podcast&utm_campaign=yq25q3-lmglobal-cpadvisor_forum-spaccrued_interest_podcast-moawareness-isna&utm_content=cnreoutlookbnb) 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 03:40 The Power of Global Bonds Andrew Balls, CIO Global Fixed Income, shares why global bonds are compelling today. With PIMCO’s global presence and local expertise in navigating market cycles, explore how high-quality global bonds can offer stability, diversification, and attractive returns amid market uncertainty. 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 15:01 Balancing Act: Building Resilient Portfolios in a Changing Landscape In this episode of PIMCO Pod, we discuss how systematic equity strategies and disciplined diversification can help multi-asset portfolios thrive in unpredictable markets. 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 Play Video Play Video 06:15 3 Bond Myths Dispelled Marc Seidner, CIO Non-traditional strategies, shares how investors should think about alpha opportunities across public and private credit markets amid the challenges of a fragmented global economy. 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 Terms and conditions: pimco.com/socialmedia Play Video Play Video 06:09 Bank Retrenchment Creates Attractive Opportunities for Credit Investors Watch PIMCO President and Global Head of Credit Research Group, Christian Stracke, share insights at this year’s Milken Institute Global Conference. 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

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