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Discover what clients are saying about our investment management firm, Heda Investments in Woodbridge, Vaughan, GTA, Toronto, Ontario. Real testimonials from real clients! Testimonials Testimonials "Sunil Heda has proven to be a competent, trustworthy and valuable financial advisor. Based on my experience with Sunil and other past experiences, I would highly recommend him." - Paul "Sunil Heda has managed my investment portfolio for the past eight years. During this period the portfolio has grown a significant percentage because of his skillful ability to transact at the appropriate time and in the appropriate securities. Mr. Heda comes to this area of work with excellent skills. I can confidently recommend him as a Financial Advisor for Investment portfolios." - Abe "My Investments, pension funds, RRSPs were with various institutions and I was loosing track of it; wasn’t aware that consolidation can be done. Sunil explained the possibilities, helped with operational procedures to bring all investments under consolidation & helped me to appreciate & enjoy seeing my funds growing. Thanks a lot Sunil." - Rajashree "Thanks for providing us excellent services. Sunil responds to every email within minutes & takes best efforts to understand & answer all queries." - Neera "I am extremely happy with the services provided by Sunil. He is always alert with conditions and up to date in knowledge of current financials and investments. I will be pleased to recommend his name to my friends and families." - Rajender "Sunil has done a great job managing my portfolio, not just in terms of the positive steady growth I have enjoyed, but the highly tailored service, advice and options Sunil brings forward. It has been a positive experience from managing my own portfolio." - Vivek "Sunil shows professionalism, patience and a certain level of detail which is assuring. He is responsive with timely communications with his clients. He brings forward solutions with long-term thinking keeping in view the client requirements." - Rajesh "Sunil Heda has given me very good advice and structured an effective investment strategy, based on an assessment of risk tolerance, to meet my income needs and asset growth objectives. He has provided me with clear and well researched analysis of market conditions and available investment options. Sunil is friendly, responsive and proactive in carrying out actions and servicing my portfolio. He is a thoroughly reliable professional who also adds value by regularly keeping me informed with market updates and relevant investment related publications of interest. Sunil is a high quality Investment Advisor" - Gopinath "It was a pleasure working with sunil who seemed to have all the answers to our health & financial insurance questions. Sunil always goes beyond & above to find the right product for my family, he is professional & knowledgeable in his career. *Outstanding Service* I would highly recommend Sunil to my friends & family members. Thank you Sunil." - Georges "Warren Buffet maintains 'Risk comes from not knowing what you are doing'. In these busy times common investor is very ignorant and finds it challenging to keep pace with the performances of all contemporary corporates and mushrooming startups. Hence the quest for honest and sincere experts to identify opportunities to park hard earned savings in a fruitful way. Enter Sunil Heda!! Sunil's relentless efforts impressed me. His sincerity and integrity is unquestionable. His expertise is established by his in-depth knowledge backed by his rich experience. Historically, he has showcased his mettle and produced results for me. Following Buffets tenet, I invested in something I know - meaning, I've invested in Sunil's expertise and again following Warren Buffets prophecy, forgotten about my investment for long run with an unwavering belief that I shall come out triumphant. Thank you for your help Sunil." - Yatendra "Sunil is well experienced with investment and insurance field in Canada & US. He has earnest urge to do well for all his customers in terms of optimal returns on investments & required insurance to protect families.; "He was patient, sincere & honest while detailing various investments options, risks associated and the ways to mitigate risks to possible minimum. I am happy with the investment options he chose for us & it’s consistent returns." Thanks a lot Sunil." - Vinayak "Sunil Heda is thorough, knowledgeable and trustworthy. We appreciate his depth of knowledge, skill and no pressure style. We would recommend him highly." - Beverly "Sunil is thorough professional and explained to us well with various insurance options. He had been very patient with our queries and helped us to navigate through various choices and in the end we felt that we made a good choice. I recommend him as a trusted insurance advisor." - Ram "I would like to say that I have been very happy with the service I have received and the professionalism that I have encountered when dealing with Sunil Heda over the years. Sunil has made a real difference in our lives by providing advice to better understand our needs in retirement. We now have a great management plan to have a secure financial future in retirement. Thank you, Sunil. I couldn't have had a better financial advisor. You have always been happy, thoughtful and a great mentor." - Raj "I met Sunil at community event and our conversation steered towards financial solutions. His erudite knowledge on a multitude of financial services attracted us to go for an initial discussion with him. We had a financial advisor, but we found Sunil understood our short-term goals and long-term objectives with a much greater clarity along with a strong willingness to help us achieve all of them. In all subsequent discussions and transactions, Sunil always guided us as his family member, and we were always a top priority for him. We slowly and steadily moved our investment portfolio of RRSPs, TFSAs, RESPs, Insurance and Non registered investments to Sunil. The slow and steady approach was determined as we got to see how well he was managing our investments and how impressively the portfolio was managed to optimize maximum returns even in adverse times, all with a very low fee. All guidance and advise received from Sunil, his management of our investment portfolio, his client- first attitude and an undying will to help his clients achieve their financial objectives is noteworthy. We, after a 3+ years’ experience on transacting and working with Sunil would strongly recommend him to our friends and families.Thanks for the awesome journey Sunil ‘Bhaiya’ and we hope to go miles ahead with this relationship.Please accept our sincere thanks (Bhaiya is a Hindi word for Brother, to signify our immense respect for him)." - Rahul "Sunil has recently completed my Retirement Financial Plan. During all the personalized workshops he conducted with me and my wife, he was diligent, through, and professional in his approach. The final deliverable was a document validated and signed by a Certified Financial Planner, with multiple alternatives, projected life events and detailed year by year cash flows. I will be using the recommended alternative to work out my retired life. It gives me the confidence that I will be able to survive at my current lifestyle, in this age of uncertainties, high taxes, ever-increasing inflation and ever-decreasing government benefits to retired people. I would recommend any prospective retiree, who has not already done so to get in touch with Sunil and work out their retirement." - Jyoti "My wife and I have known Sunil for the last 10 years and have been impressed with his patience, professionalism and knowledge. As our circumstances change, he has advised us on how to tweak our planning to make the best. Now both our daughters have started their retirement planning with Sunil and we feel confident that his advice will serve all of us well. We highly recommend Sunil for anyone who is looking for a good financial advisor." - Manjunath "I came to know Sunil through my association with Konkani association. The first thing that came across through that meeting was being sincere and presenting an approach to investments to suit your needs. Over the later period though many dealing with Sunil and that initial impression of being down to earth sincere approach to meeting client’s needs has crystallized. Another thing I like about Sunil is he is ready to engage in discussions for mutual benefit. Sunil comes across as someone who does his homework in depth for client’s investment needs." - Madhav Load More Insightful Videos Play Video Play Video 02:40 Financial resolution: outliving one’s savings Clément Gignac, Senior Vice-President and Chief Economist, discusses longevity risk. 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. Play Video Play Video 01:12 Retirement Planning with GIF 100/100 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. 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.

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 BANKING SERVICES RISK & INSURANCE MANAGEMENT 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 Events Upcoming Events Webinar - Tax planning strategies for your savings - Monday, March 23, 2026 Mon, Mar 23 Webinar More info Learn more Webinar - Internet scams—protect yourself and your money - Thursday, March 26, 2026 Thu, Mar 26 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Four common investing mistakes and how to avoid them - Tuesday, March 31, 2026 Tue, Mar 31 Webinar More info Learn more Webinar - Getting started with investing - Thursday, April 2, 2026 Thu, Apr 02 Webinar More info Learn more Load More Sunil's Blogs Webinar - Tax planning strategies for your savings - Wednesday, April 15, 2026 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. An Active Manager’s Lens Into Private Investment Grade Credit The rise of private markets has brought new attention to private investment grade (IG) credit, which can offer investors a premium over public IG for giving borrowers customized terms – though that premium comes with certain risks. Income Strategy Update: Seeking Stability With High Quality Fixed Income Uncertainty remains high, but so are bond yields, leading to attractive opportunities for active investors, Amid continuing volatility in our global economic outlook, we seek to invest in high quality fixed income 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

Retirement Planning & Estate Strategies includes Retirement Income Goal Setting, Projection and Analysis, Pension Analysis, Severance Pay, Beneficiary Audit, Legacy Planning, Inheritance, Intergenerated Transfers, Estate Bon, Gifting to Children, Trusts and Charitable Donations. Retirment Planning & Estate Strategies What we provide Retirement Income Goal Setting, Projection and Analysis Pension Analysis, CPP and OAS Analysis Severance Pay - Analysis & Investment of Lumpsum payment Beneficiary Audit Legacy Planning Inheritance Intergenerational transfers Estate Bond Gifting to Children Trusts Charitable donation * Some Estate Planning strategies may require the involvement of a Legal professional Complimentary Retirement Planning Workshop Tax Minimization Strategies* Tax efficiency of investments Tax Deferral , Tax Conversion Tax Gain / Loss Harvesting Tax efficient transfer assets through your Estate Income splitting Inter-Generational transfer *Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant. Retirement Planning Pyramid It’s important to plan for your financial future. If you’re not sure how to plan ahead, take a look at the Retirement Planning Pyramid. This widely accepted and simple tool can help you create a retirement plan that is built on a solid foundation. The pyramid illustrates which financial matters you should address first: debt reduction, insurance needs, a properly drawn will and an emergency fund. As you move up the pyramid (by reducing debt and acquiring assets), your income protection needs are replaced by your need to accumulate more wealth. Ask us to help you plan ahead using the Retirement Planning Pyramid. Corporate In-Kind Donating As more and more corporations invest their retained earnings directly in various vehicles like mutual funds or publicly traded securities, the value of their portfolio tends to grow. And as business owners build their corporation's portfolio, they may also want to 'give back' while taking advantage of the tax benefits of donating investment funds to charity. However, what many business owners may not know is that where corporate investments have increased in value, a corporate donation in-kind results in a more favorable tax consequence than selling the investment and donating the cash. Learn More > Contact Us > Insightful Videos Play Video Play Video 16:00 Estate Planning: The Four Documents You Need | Money Unscripted | Fidelity Investments Estate planning is a process that’s full of emotions. And full of questions. Where do you start? Who should be part of the conversation? And what are the key documents you need? On this episode of Money Unscripted, host Ally Donnelly and Fidelity’s Pamela Pirone-Benson break down everything from writing a will and setting up a trust to choosing your power of attorney and navigating estate taxes. Watch now. 00:00 Welcome to Money Unscripted 00:55 Why you should have an estate plan 01:24 What is an estate plan? 02:01 Getting organized 03:11 The core four estate planning documents 03:40 What is a power of attorney? 04:03 Having a health care proxy 04:31 What is a living will? 05:07 Do I need an attorney to draft my documents? 05:43 Elements of a last will and testament 07:28 What is probate? 07:49 Wills vs. trusts 09:22 What to know about estate taxes 10:26 How strategic gifting can impact estate taxes 11:10 When to revisit your estate plan 11:58 How to start estate planning conversations 14:52 Estate planning: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. 5 steps to create an estate plan: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-made-easy 10 estate plan pitfalls to avoid: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-common-pitfalls 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 1195862.2.0 Play Video Play Video 22:39 Bend, Not Break: Investing in Real Estate Amid Economic Uncertainty In this episode of PIMCO Pod, we explore why today’s uncertain environment means real estate investors may want to prioritize durable income—andstrategies that can perform even when markets are flat or faltering. 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 01:10 The future of liability-driven investing Learn what the next phase in liability-driven investing (LDI) looks like, and see what trends are driving the evolution. CORP-12712 date of first use: feb 2025 Play Video Play Video 03:26 Can China's Real Estate Market Get Back on Track? | with John Kratochwil AGF Investments Inc. senior analyst John Kratochwil explains how recent government measures in China could spur interest in the country's real estate sector. Play Video Play Video 02:21 Are powers of attorney part of your estate plan? The Wealthy Barber wants to know Who will care for you if you can’t? David Chilton explains why it’s important to have powers of attorney, especially at his age. Learn more at https://rbc.com/royaltrust Do you have a plan for who will look after you should you become incapacitated? In this video, David Chilton, the Wealthy Barber, explains why it’s “absolutely vital” to have powers of attorney as part of your estate plan. “When you get to be my age—in your 60s—you’re constantly seeing friends who are incapacitated due to a heart attack, a stroke, an accident … They don’t have a power of attorney in place … [it’s a] huge inconvenience and hassle factor dealing with the courts,” he says. Watch the video to learn more about what you should look for in the person you appoint as a power of attorney. 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 01:41 Signing up for Manulife Vitality for Group Benefits How to sign up and get the Manulife Vitality app. The Manufacturers Life Insurance Company (Manulife) The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 2580, STN B Montreal QC H3B 5C6. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Play Video Play Video 02:24 Retirement Planning - My Money Tools Video. Do you want to find out if the money you are saving today supports your retirement goals? If you are not sure, it's time to learn why it is important to use the Retirement Planner calculator and the Asset Allocation tool.

Manulife Online Access, Client Portal Login, Get quote and purchase Travel Insurance, Get quote and book Health and Dental Plans, Open Manulife Bank Personal Advantage Account, Access Manulife Bank Account, Retirement Assessment, Major Purchase Assessment, Education Funding Assessment. Online Services Investments Investments Product Offering Account Types Investment Products Manulife Client Login Discretionary Account Management - "Advisor Managed Program" Every aspect of managing your portfolio – including your investment strategy, researching investment opportunities, selecting securities to buy and at what price – is taken care of by your personal Portfolio Manager, a highly qualified financial professional. Book a meeting to more details and get your future secured today! 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Schedule a call back Registered Retirement Savings Plan (RRSP) Secure your retirement by growing your income tax free till your retirement, Click the link to Schedule a call back know details and open an RRSP account today! Schedule a Call Back Registered Retirement Income Plan (RRIP) A financial tool which helps to save on taxes also converters your retirement savings into regular income towards your retirement. Click the link to Book a meeting, know more and open an RRIP account today! Book a meeting Locked in Income Fund (LIF) Hold your funds Into a LIF from a pension plan Providing steady income stream During retirement. Click the link to Schedule a call back know details and open an LIF account today! Schedule a Call Back Tax Free Savings Account (TFSA) Discover tax-free growth and flexible savings with a Tax-Free Savings Account (TFSA) - click the link to book a meeting - open your account now and secure your financial future Book Meeting Non-Registered Investment Account Secure your financial future with a non-registered savings plan - click the link to Schedule a call back know details and open an account now for flexible savings and investment options. Book Meeting Registered Education Savings Plan (RESP) Discover the power of registered education savings plan (RESP)- For more details Book a meeting, - open an account now and securing your child's future education Book Meeting Locked in Retirement Account (LIRA) The Locked-in Retirement Account (LIRA) serves as a regulated investment vehicle, safeguarding pension funds. With restricted access until retirement, it ensures disciplined wealth accumulation and adherence to pension regulations, providing financial security during post-employment years Book Meeting Registered Disability Savings Plan (RDSP) Discover the benefits of registered disability savings plan (RDSP) and open an account now - click the link to Schedule a call back know details, secure your financial future with tax-deferred growth and government grants Schedule a Call Back Guaranteed Investment Certificates (GIC) Invest in Guaranteed Investment Certificates (GICs) for a secure and reliable investment experience. GICs offer a fixed interest rate over a specified term, ensuring a predictable return on your investment All GICs booked through us come with Canadian Deposit Insurance Corporation (CDIC) protection, offering an added layer of security for your investments. What sets us apart is the convenience of managing all your GICs within a single account, eliminating the need to open multiple accounts across various institutions. to kow more schedule a call back and open your accout today! Click her to get Current GIC rates GIC Quote Call Back Stocks/Equities Explore the world of stocks and equities. schedule a call back for more details - open an account and start investing in your financial future Schedule a Call Back Bonds Discover the power of Bonds and open your account now to start building a stable investment portfolio - Book a meeting for more information and get started today! Book a meeting ETFs ETF's (Exchange Traded Funds) are diversified investment funds traded on stock exchanges - click the link, Book a meeting to open an account and start investing today. Book a Meeting Mutual Funds Explore the power of mutual funds - Schedule a call back to open an account and start Investing towards your financial goals. 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Once you register for the new portal, you will be able to: - View account performance details - View account holdings and transactions - Access post-conversion documents, tax slips, statements, confirmations etc. Investor Portal Learn More Manulife Online Access Self serve portal for easy access to your historical account information, statements and documents prior to 1 April 2024 including 2023 tax documents. Online Access Learn More Insurance Insurance Life Insurance Critical Illness Insurance Disability Insurance Travel insurance Term Life Insurance Term life insurance that provides coverage for a specific period, click the link for more details, and book your policy today! Request Quote Schedule a Call Back Whole Life insurance Insurance that provides coverage for the insured's entire life, click the link for more details, and book your policy today! Request Quote Schedule a Call Back Universal Life Insurance Insurance that is a flexible policy that combines life insurance coverage with an investment component. click the link for more details, and book your policy today! Request Quote Schedule a Call Back Income Replacement Insurance Provides Income Replacement and financial protection by replacing portion of your income if you are disabled, click the link for more details, and book your policy today! Request Quote Schedule a Call Back Business Overhead Protection Insurance Provides Overhead protection and financial coverage for essential business expenses in case of owner's disability, click the link for more details, and book your policy today! Request Quote Schedule a Call Back Basic Plan Affordable Critical Illness plan which covers five of the most common critical illnesses and conditions: cancer, heart attack stroke, coronary artery bypass surgery or aortic surgery. click the link for more details, and book your policy today! Request Quote Schedule a call back Book Now Enhanced Plan Critical Illness Insurance provides financial support if one becomes ill out of the 25 seriously illness. It pays a tax-free lump sum to help cover medical bills, expenses, and other costs during recovery. click the link for more details, and book your policy today! Request Quote Schedule a call back Schedule a Call Back Visitor To Canada Travel Insurance for visitors to Canada provides coverage for medical emergencies, trip interruptions, and other essential travel benefit, click the link for more details, and book your policy today! Book Now Request quote Travelling Canadian Travel Insurance for Travelling Canadians provides coverage for medical emergencies, trip interruptions, Lost luggage and other essential travel benefit, click the link for more details, and book your policy today! Book Now Request Quote Super Visa Insurance Super Visa Provides Essential coverage for medical emergencies while visiting a Country, click the link for more details, and book your policy today! Book Now Request Quote Travel 80 Term Insurance With the new Travel80 Term Travel Insurance you can apply for travel medical insurance which will cover your health until the age 80 on a maximum travel of 30 days at a time, click the link for more details, and book your policy today! Request Quote Schedule a Call Back Student Travel Insurence The Student plan offers those who are studying away from home a smart and economical way to help protect themselves against the cost of emergency medical and basic healthcare expenses and more. click the link for more details, and book your policy today! Book Now Request Quote Personal Health & Dental Plans Annuties Segregated Funds Flexcare Flexcare Health and Dental plans provide coverage for health and dental services to clients with the flexibility to select a plan that suits them best, click the link for more details, and book your policy today! Book Now Follow me Health Plans provide coverage for health and dental services to clients and designed to offer your clients comprehensive health and dental coverage for them and their family, when their group coverage ends, click the link for more details, and book your policy today! Book Now Association Health & Dental Plan This plan plans provide coverage for health and dental services to clients also offers Eight different health and/or dental coverage plan gives options and provide the ability to pay for only the coverage you need, click the link for more details, and book your policy today! Book Now Lifetime Income Benefit (LIB) Lifetime Income Benefit (LIB) is a feature offered in segregated funds, providing investors with a guaranteed stream of income for life, regardless of market fluctuations. This benefit ensures a stable financial foundation in retirement by combining market growth potential with the security of a lifelong income stream. Click the tab to book a meeting with us and get your policy today! Book a meeting 75/100 Guarantee Policy The 75/100 Guarantee Policy for segregated funds ensures that investors will receive at least 75% of their original investment upon maturity, even in the event of market downturns. This policy provides a level of capital protection, mitigating potential losses and offering a degree of financial security for investors. Click the tab to book a meeting and get your policy today! Book a meeting Investment Plus Fund offering Full Spectrum of funds into various asset classes from equities, fixed income and specialty equity. click the tab to book a meeting and get your policy today! Book a Meeting Term Certain Annuity Term Certain Annuity provides guaranteed regular payments for a specified period, offering financial stability. With fixed terms, it assures a positive cash flow, making it a reliable option for those seeking predictable income. To enjoy peace of mind knowing your financial future is secure book your time with us and get your policy today! Book a Meeting Schedule a call back Joint and Survivor Annuity A Joint and Survivor Annuity provides income to two individuals, typically spouses, for their entire lives. Upon the death of one, the surviving spouse continues to receive a portion or all of the annuity payments. This structure ensures financial support for the surviving partner throughout their lifetime. Click the link to book a meeting and get your policy today! Book a meeting Schedule a call back Single Life Annuity A Single life annuity provides a regular income stream for an individual for the duration of their life. It offers financial security by converting a lump sum into guaranteed periodic payments, with the assurance that payments will continue as long as the annuitant is alive. This annuity option is suitable for individuals seeking a reliable retirement income. Click the link to book a meeting and get your policy today! Book a meeting Schedule a call back Banking Banking Personal Business Client Login Personal Advantage Account Account is a high-interest savings account that helps you grow your money with no minimum balance required. Click the Link to open an Account Now! Open Account All-in Banking Package Manulife 'All-In-One Banking Package gives you unlimited everyday banking1, a savings account, smart savings tools, and overdraft protection. Click the Link to open an Account Now! Open Account Guaranteed Investment Certificates (GIC) Invest in Guaranteed Investment Certificates (GICs) for a secure and reliable investment experience. GICs offer a fixed interest rate over a specified term, ensuring a predictable return on your investment to kow more schedule a call back and open your account today! Click her to get Current GIC rates GIC Quote Call Back Manulife Bank Client Login If you already have an account with us, you can log-in through this portal. General inquiries contact : By email : manulife_bank@manulife.com By fax : 1-866-840-6425 By phone : 1-877-765-2265 Monday to Friday, 8 a.m. to 8 p.m. Saturday and Sunday, 9 a.m. to 5 p.m. Across all local time zones in Canada. Manulife Client Log-In Business Advantage Account Earn high Interest while maintaining full liquidity, No minimum balance required. Contact us Now for more details Get your Account open today! Contact Us Schedule a call back Guaranteed Investment Certificates (GIC) Invest in Guaranteed Investment Certificates (GICs) for a secure and reliable investment experience. GICs offer a fixed interest rate over a specified term, ensuring a predictable return on your investment to kow more schedule a call back and open your accout today! Click her to get Current GIC rates GIC Quote Call Back Schedule a call back retirementplanning Retirement Planning Retirement Assessment Secure your retirement dreams with our comprehensive assessment - Develop a plan to retire comfortably and maintain your desired lifestyle. Take the retirement assessment now! Contact Us Education Assessment Our education Assessment ensures your child's focus remains on the school, not on the finances - Take the Free assessment to secure their dream school's feature. Contact Us Major Purchase Assessment Optimize Your Major Purchase decisions by considering additional costs with our Free Comprehensive Assessment. Take the assessment now to make well-informed choices for worry-free Buying Experience. Contact Us Sunil's Blogs EU–U.S. Trade Deal: Reduced Risks, but Still a Headwind for Europe The U.S. will charge a 15% tariff rate on the vast majority of EU goods. Key exceptions are steel and aluminium (where the tariff rate will remain at 50%) and aircraft, plus some other goods where the tariff will be zero. Autos, semiconductors, and pharmaceuticals also appear to be subject to the 15% tariff, which is positive given fears of more unfavorable treatment of these sectors. Webinar - Building your emergency fund - Friday, April 10, 2026 What is an emergency fund and why should you have one? How much should you save? Join this webinar to learn more and get started. Prevent and protect Prevent & Protect - Online financial fraud is a growing international criminal enterprise. Often it’s committed by sophisticated organized crime networks, with proceeds funding such illegal activities as drugs and weapons trafficking, prostitution and money laundering.1 Fraudsters often pose as legitimate organizations, family members in distress or peddlers of get-rich-quick schemes Insightful Videos 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 01:11 Dream holiday gone wrong. Luckily, Faline bought travel insurance online before leaving Canada. When it comes to buying travel insurance in Canada, Faline thinks Manulife is one of the best companies around. She was in Hawaii when a rogue wave broke her spine. Her coverage took care of the medical bills, helping her to focus on her health. www.coverme.com/travel-insurance.html Play Video Play Video 05:45 What Higher-for-Longer Rates Mean for Investors PIMCO Group CIO Dan Ivascyn discusses the key implications for bonds, stocks, and cash as central banks hold rates at elevated levels. 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 01:07 Life and Disability Insurance Protecting your employees when it matters most Play Video Play Video 01:16 Is my travel insurance through work enough? Do you think you have enough travel insurance coverage through your employee benefits or credit card? You may want to think again. Financial expert Shannon Lee Simmons explains the limitations of travel coverage through employee benefit programs and credit cards. Play Video Play Video 00:31 The dumbest way to die is without life insurance™ (2) The unexpected happens everyday... The Dumbest Way to Die is without Life Insurance.™ Learn more at https://www.empirelife.ca Dumb Ways To Die.™ characters are officially licensed to The Empire Life Insurance Company. © Metro Trains Melbourne, Dumb Ways To Die.™ All Rights Reserved. Play Video Play Video 03:02 See how critical Illness Insurance helped Mark and Sheila Despite how careful we are, fatal Accidents can happen at any time. How would your family cope financially if you passed away in an accident? For just pennies a day, the Accidental Death Benefit can help provide your dependants with some financial assistance if you suddenly pass away in an Accident. Learn more: https://www.bmo.com/insurance/accident-critical-illness-insurance?ecid=sm-FBDSPE001INS1-JPDAD19&adid=WFBAWAI****E# 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.

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.

Explore the insightful and inspiring quotes from #HedaInvestmentsQuotes. A page dedicated to wisdom and guidance by the Portfolio Management firm, Heda Investments. #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.

Banking services offers personal and business advantage accounts, Debt Management Solutions to get to your desired goals. 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

Investment Portfolio Management services includes goal setting, required rate of return, asset allocation and investment selection based on personal goals, objectves and risk tolerance. Investment Management A Portfolio Manager provides an elevated level of wealth management You’ve worked diligently to build your assets and investment portfolio, providing you with peace of mind and financial stability. Now, it’s time to ensure your wealth continues to grow, allowing you to enjoy the lifestyle you’ve earned. We believe the most effective approach is through discretionary wealth management, exclusively provided by advisors with the Portfolio Manager designation. A Portfolio Manager is a trusted and elite professional with advanced credentials and track record, dedicated to delivering an exceptional level of client service. About Us > Advantages of partnering with a Portfolio Manager. We believe that comprehensive personal wealth planning, backed by unbiased advice, collaboration, and transparency, is essential to meeting your needs and achieving your goals. Dynamic Management Entrusting day-to-day decisions to a Portfolio Manager enables swift responses to unexpected market fluctuations, enhances asset protection during challenging market conditions, and allows for the capitalization on unforeseen investment opportunities. Peace of mind Based on an Investment Policy Statement tailored to your specific needs, a Portfolio Manager adheres to regulatory standards and a rigorous investment discipline, providing added security. Transparent Value-based Pricing Portfolio Manager fees are transparent and calculated as a percentage of your investments, rather than being commission-based on high transaction volumes. Additionally, these fees may be tax deductible for non-registered accounts. Comprehensive Reporting In addition to the monthly or quarterly reports required by industry regulations, Portfolio Managers also provide additional reports that give a consolidated overview of all your accounts. Bulk Trading A Portfolio Manager can efficiently execute trades for all clients simultaneously, ensuring that everyone equally benefits from market opportunities. Customizable Choices A Portfolio Manager has access to a diverse range of investment options, including bonds, stocks, mutual funds, ETFs, and alternative investments, offering you the best strategies and instruments to grow your wealth. Advanced Credentials The Portfolio Manager designation provides a superior standard of wealth management and demands the utmost level of education and experience in the investment sector. Strategic Tax Planning Certain investment strategies offered by a Portfolio Manager can provide tax advantages, enhancing your ability to accumulate wealth both now and during retirement. A Portfolio Manager’s fiduciary duty requires them to act with the utmost care, honesty, and good faith, making investment decisions that are unbiased, independent, and always in your best interest. Reponsibility Choose your personalized & customized Financial Advisory Services Individuals might opt to switch advisors if they feel that their current advisor's expertise no longer matches their evolving needs and they seek someone with more advanced skills. Our Portfolio Management Services Comprehensive Services and with Transparent fees! Active review, personalized solutions, and constant optimization of investment solutions based on established methods. Save time and efforts by outsourcing the Investment research, analysis and day to day management. Unparalleled access to global investment solutions beyond traditional avenues. Customized planning taking into account factors such as risk, time horizon, tax implications and long term objectives Continuously minimizes tax implications and optimizes after-tax investment returns. Regular communication with market memos, and periodic reviews of investment and how they track against goals. Offers full transparency with constant access to a dedicated Portfolio Manager. Upgrade Now Proprietary Bank Advisor Embedded fees, unclear total cost and benefit! Standardized questionnaires for investment recommendations. Focuses on proprietary mutual funds and getting deals on credit cards, credit lines, and bank accounts. Standardized approach towards retirement planning and analysis Offer support but lacks dedicated, personalized advisory access. Not Recommended Self Directed Investor Free, but could be costly due to potential mistakes! Relies on filtering through research, 'hot' tips, and family/friend suggestions and emotional choices Requires significant time to manage life savings. Minimal retirement planning and analysis Not Recommended Our expansive product offering provides clients with choices tailored to fit their financial goals and advanced investment needs, via four distinct account management platforms: Discretionary Account Management via Advisor Managed Program Third party Portfolio Management via Masters Private Account Program Fee-based wrap program via Premier Program Traditional Self Directed Investment Accounts Within the account management platform that we determine is the best fit for you and your family, we have the ability to source the appropriate investment products, including: Stocks ETFs Bonds Mutual funds Money Market Fund, GICs Alternatives, Structured Notes or Specialized Investment Products What we Offer what we provide Account Types Available Registered Retirement Savings Plans (RRSP) Registered Retirement Income Fund (RRIF) Locked in Retirement Account (LIRA) Locked in Income Fund (LIF) Tax Free Savings Accounts (TFSA) Spousal Registered Retirement Savings Plan (SRRS) Registered Education Savings Plan (RESP) Personal Investment Account Corporation Investment Account GIC Account Individual Pension Plans - IPP First Home Savings Account (FHSA) Registered Disability Savings Plan (RDSP) Informal and Formal Trusts Account WELCOME Welcome visitors to your site with a short, engaging introduction. Double click to edit and add your own text. Start Now . Our Approach We provide you with a full range of investment solutions across asset classes and geographies – fixed income, equities, asset allocation, specialty mandates and alternative strategies – along with a variety of investment styles customized to meet your individual needs Portfolio construction is more than just building better portfolios. It’s about increasing the likelihood that your clients’ investment outcomes match their goals. + Understanding Investor Needs We understand your unique needs, and combined with sophisticated portfolio construction tools and services, we design investment strategies that deliver better outcomes for you. + Proven, world-class solutions Multi-boutique shelf of core and niche investment solutions has you covered in any market condition. Multi-asset solutions approach enables us to efficiently deliver robust, diversified portfolios with sophisticated risk management. Access innovative strategies and the specialized expertise of global money managers. + Constructing Optimized portfolios Wide range of tools and solutions help construct effective portfolios. Customized portfolios using our unique strategies and modular approach as you progress through your life stages. Partner with us to develop a personalized, independent review or your portfolio. Schedule a call Back Learn More > Reach your Financial Goals Building long-term wealth is simpler than you may think. Starting early to invest and working with an advisor can help you reach your financial goals. Schedule a call Back > Value of Advice Did you know, when it comes to your financial well-being, advice may be the difference between achieving your financial goals and falling short? View Schedule a call Back Masters Private Account Program-Portfolio Managers Jarislowsky Fraser Ltd. Guaranteed Investment Certificate (GICs) B2B Bank Mutual Funds Franklin Templeton Investments Annuities BMO Insurance Segregated Funds BMO Insurance Market Linked Structured Notes BMO Capital Markets Insightful Videos Play Video Play Video 19:47 How Does An Employee Stock Purchase Plan Work? | Money Unscripted | Fidelity Investments Does your company offer an employee stock purchase plan (ESPP)? If so, it could be a way to help save for a new house, your child’s education, or build your retirement nest egg—all while investing in your company. Money Unscripted host Ally Donnelly and Fidelity pro Emily Cervino walk through the potential advantages, crunch the numbers, and break down the tax implications behind this often-overlooked workplace benefit. Watch now. 00:00 Welcome to Money Unscripted 01:04 What is an Employee Stock Purchase Plan and what benefits can it offer? 02:51 How does an ESPP work? 06:29 How do I sell my shares? 08:21 What do workers say about investing in their company? 10:55 How do taxes work with an ESPP? 12:07 How likely is it that my company offers an ESPP? 12:51 Why are ESPPs underutilized? 14:26 Why do companies offer ESPPs? 15:16 What questions should I ask if I’m considering an ESPP? 16:34 What if I leave my company? 17:52 How can an ESPP be a first step into investing? 18:34 ESPPs: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. Invest in your work and your future with an ESPP: https://www.fidelity.com/go/stock-plan-services/employee-stock-purchase-plans 6 employee stock plan mistakes to avoid: https://www.fidelity.com/viewpoints/personal-finance/stock-plan-mistakes-to-avoid 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 Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 © 2025 FMR LLC. All rights reserved. 1187371.2.0 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 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 16:00 Estate Planning: The Four Documents You Need | Money Unscripted | Fidelity Investments Estate planning is a process that’s full of emotions. And full of questions. Where do you start? Who should be part of the conversation? And what are the key documents you need? On this episode of Money Unscripted, host Ally Donnelly and Fidelity’s Pamela Pirone-Benson break down everything from writing a will and setting up a trust to choosing your power of attorney and navigating estate taxes. Watch now. 00:00 Welcome to Money Unscripted 00:55 Why you should have an estate plan 01:24 What is an estate plan? 02:01 Getting organized 03:11 The core four estate planning documents 03:40 What is a power of attorney? 04:03 Having a health care proxy 04:31 What is a living will? 05:07 Do I need an attorney to draft my documents? 05:43 Elements of a last will and testament 07:28 What is probate? 07:49 Wills vs. trusts 09:22 What to know about estate taxes 10:26 How strategic gifting can impact estate taxes 11:10 When to revisit your estate plan 11:58 How to start estate planning conversations 14:52 Estate planning: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. 5 steps to create an estate plan: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-made-easy 10 estate plan pitfalls to avoid: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-common-pitfalls 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 1195862.2.0 Play Video Play Video 24:26 How Stocks Might React to Interest Rate Cuts - 8/12/25 | Market Sense | Fidelity Investments After a disappointing jobs report, the markets are betting the Fed will cut interest rates in September. So, what does history tell us about rate cuts and how they affect the markets? On this episode of Market Sense, our Fidelity leaders discuss the chances of a rate cut in September and what it could mean for investors. Topics covered: • Federal Reserve • Interest Rate Cuts • Stocks & Bonds 00:00: Market sense introduction 02:02: When will we see tariff impact? 05:03: Rate cut for September? 07:26: What history says about rate cuts and the markets 09:13: Rate cut & potential for growth 10:55: Market pricing 12:48: Bond market/ 60/40 portfolio 15:14: Rate cut and inflation 18:07: International stocks 19:40: Potential opportunities 21:06: Future of the Fed Click here to check out our Market Sense homepage and sign up to watch us live every Tuesday at 2pm. https://www.fidelity.com/learning-center/live-PI?ccsource=marketsenseCTA And while you’re there, you can also sign up for the Viewpoints newsletter and try out our retirement savings calculator. Questions? Drop them below 👇 and we’ll reply right in the comments. • Like what you see? Register for the next event: • https://fidelityevents.com/Market-Sense?utm_campaign=YouTube • Subscribe to Fidelity Viewpoints: https://www.fidelity.com/signup/viewpoints_wkly • 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 DISCLAIMER: For workplace use, business to assume risk of promoting. 1218915.1.0 #GlobalTrade #InternationalStocks #MarketNews #BondMarket Play Video Play Video 04:18 What Is Dollar-Cost Averaging? | Fidelity Investments What's a simple way to invest consistently? Dollar-cost averaging is a strategy that helps build healthy investing habits. In this video we’ll break down how it works, highlight its key benefits and potential watchouts, and show you how to set it up using recurring investing on Fidelity.com. 00:00 Intro 00:13 What is dollar-cost averaging? 00:38 How do you set up dollar-cost averaging? 00:50 What are recurring investments? 01:12 What are the benefits of dollar-cost averaging? 01:25 How can dollar-cost averaging help your money grow? 02:13 How can dollar-cost averaging help take emotion out of investing? 02:25 Timing the market vs. time in the market 02:53 How can dollar-cost averaging help lower the cost of investments? 03:15 What are some of the drawbacks of dollar-cost averaging? 03:47 How do you set up recurring investing? 03:57 Sign off Learn more about dollar-cost averaging here: https://www.fidelity.com/learning-center/trading-investing/dollar-cost-averaging Set up recurring investing here: https://www.fidelity.com/trading/recurring-investments Questions? Drop them below 👇 and we’ll reply right in the comments. • 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 1201168.2.0 #Investing #Fidelity #Money #Dollarcostaveraging #RecurringInvesting 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 30:45 Opportunities in alternative strategies – Brendan Sims As investors stickhandle through news of global tariff uncertainty, an increasing option for steadying the ship is alternatives. Fidelity's growing universe of alts offers ways to include private real estate investments, cryptocurrencies and equity long/short strategy exposure to various portfolios. For instance, how can a longer term view on private real estate add ballast to your client's investments while short term market volatility reigns in these markets? On today's show to take us into the world of alternatives and how they could play a vital role in your clients' portfolios is Fidelity alternative investment strategist, Brendan Sims. Recorded on May 30, 2025. 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.

This includes calculators that such as Personal Tax Calculator, Tax-free Savings Calculator, Insurance Right Calculator, Retirement Income Calculator, Retirement Savings Calculator, Mortgage Calculator, Education Savings Calculator, Financial Goal Calculator, Net Worth Calculator & Budget Planner tool Calculators & Links* Personal Tax Calculator View InsureRight Calculator View Retirement Savings Calculator View Education Savings Calculator View Net Worth Calculator View Tax-Free Savings Calculator View Retirement Income Calculator View Mortgage Calculator View Financial Goal Calculator View Budget Planner Tool View Calculators *These calculators are for illustrative purposes only and should not be relied upon as an accurate indication of your financial retirement needs. As each individual’s situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. I (we) do not guarantee that these calculators are reliable, accurate or complete or that they will be compatible with your computer. 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.

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 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

Risk & Insurance Management services offer a wide variety of insurances for your needs, Travel Insurance, Life Insurance, Critical Life Insurance, Disability Insurance, Health and Dental Plans and Group Insurance Plans. Risk & Insurance Management Risk Management & Insurance Solutions Income protection, Asset protection, Family protection, Estate protection Insurance Coverage Types: Life Insurance, Critical Insurance, Disability Insurance Insurance Solutions: Term Life, Permanent, Individual Life, Joint Life, Wholelife, Universal Policies etc. Travel Insurance Health and Dental Plans Group Insurance Plans Annuities: Term certain, lifetime Income solutions Segregated Funds, Pension Plans Schedule A Call Back > Schedule A Call Back > Life Insurance Term Life Universal Life Whole Life Individual and Corporate Insurance Participating insurance Permanent Life Life Insurance Quote > Schedule A Call Back > Insurance BMO Insurance Critical Illness Insurance A critical illness doesn’t discriminate – men and women of all ages and occupations feel its impact. Click here to take a glimpse at some of the critical illness claims and benefits you can be eligible for when you are covered by insurance. Critical illness insurance helps cover the unexpected costs and potential loss of income associated with a serious illness. From the additional costs associated with medicine and treatment, to travel, home care and specific accommodations if needed, treating and recovering from an illness can have a devastating financial impact. Plus, if you’re unable to work during your recovery, the impact is even greater. With critical illness insurance, if you become sick with one of the covered conditions covered by your policy and survive the waiting period, you receive a cash benefit. You can then use the funds as you wish. Critical Illness Insurance Basic Critical Illness Insurance Book Now > Critical Illness Quote > Travel Insurance Traveling Canadians (Including Travel 80 Term) Visitors to Canada (including Super Visa) Traveling Student Travel 80 Term Visitor Travel Insurance Quote > Travelling Canadian Quote > Book Now > Anchor 1 Anchor 2 Health and Dental Plans Association Plans Flexcare Plans FollowMe Health Plans Association Health & Dental Plans Book Now > Schedule A Call Back > Disability Insurance Disability insurance helps protect your income and business if you become disabled and can’t work. With different products available for full-time, part-time or home-based workers, disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians. An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life. Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, disability insurance can help by providing a comprehensive and portable plan you can rely on throughout your working years. Executives & Professionals Paycheque Insurance Overhead Expense Plan Buy-Sell Plus Personal Accident Professional Graduates Disability Insurance Quote > Insightful Videos Play Video Play Video 02:33 Interest Rate vs. Interest Cost 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 01:15 Access your group benefits card on your phone Learn how to view and download your group benefits card to your mobile device, through the Manulife Mobile app. https://www.manulife.ca/personal/group-plans/manulife-mobile-app.html Play Video Play Video 00:56 Check your claim coverage and balances Need to check your Manulife Group Benefits claim coverage and balances? Watch this video to learn how to do it on the go, right from your phone. https://www.manulife.ca/personal/group-plans/manulife-mobile-app.html Play Video Play Video 00:13 You're Not Alone! Life Insurance Awareness Month. Learn more at www.empirelife.ca! Play Video Play Video 00:13 77% Connect with a financial professional for help Play Video Play Video 00:33 Why Empire Life PAR? Play Video Play Video 02:58 Making time for group benefits has never been easier For many small business owners, the lack of time is a key barrier for implementing a group benefits plan. But the thing is, you may not actually need a lot of time, or an extra staff member to have a valuable program in place.

What type of investor are you? Equity investors are people who invest money into a company in exchange for a share of ownership in the company. Equity Investor Stocks & Equity Reliable Income & Growth - Historical evidence shows dividends as a reliable source of income and additional portfolio growth over time. Mitigate Market Volatility - Dividends can act as a cushion during market turbulence, offering comfort to equity investors and encouraging them to stay invested. Potential for Share-Price Gains - Companies increasing dividend payouts to reward investors may lead to share-price appreciation, offering additional benefits for shareholders. Exchange Traded Funds (ETFs) ETFs, or Exchange-Traded Funds, are like a hybrid of stocks and mutual funds. They're open-ended mutual funds that trade like stocks throughout the trading day. Unlike traditional mutual funds, ETFs can be bought or sold at any time when the market is open, just like shares of a company. This offers investors flexibility and liquidity. ETFs are bought and sold at market prices, which can sometimes differ from their net asset value. Exchange Traded Funds (ETF) Terminology Non-Principal Protected Structured Notes (NPPN) NPPNs: Tailored Investment Solutions Non-Principal Protected Notes (NPPNs) offer a personalized approach to investment returns. Unlike traditional equity investments, NPPNs provide flexibility. They can yield enhanced returns when markets rise and varying levels of principal protection in market downturns. Key Features: Customizable to match your investment preferences. Linked to various underlying assets like indices, stocks, and more. Provides a balance between potential returns and capital protection. Discover NPPNs: Explore investment alternatives that align with your unique financial goals. Closed Ended Funds Closed-Ended Funds: A Unique Investment Approach Explore the world of Closed-Ended Funds (CEFs), where traditional mutual fund principles meet a distinctive twist. Managed by investment experts, CEFs house diverse portfolios of securities, just like mutual funds. However, CEFs stand apart in their structure: once the initial public offering (IPO) concludes, capital no longer flows in or out through purchases or sales of shares. Instead, shares are traded on an exchange, with other market participants stepping in as buyers or sellers. This distinctive setup adds a layer of market dynamics to CEFs, offering an intriguing investment avenue. Benefits: Exchange Trading: CEF shares are traded on exchanges, enhancing flexibility and accessibility. Diversification: CEFs pool resources to invest in various securities, spreading risk. Unique Market Dynamics: Unlike traditional mutual funds, CEF prices can differ from their net asset value. 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 24:26 How Stocks Might React to Interest Rate Cuts - 8/12/25 | Market Sense | Fidelity Investments After a disappointing jobs report, the markets are betting the Fed will cut interest rates in September. So, what does history tell us about rate cuts and how they affect the markets? On this episode of Market Sense, our Fidelity leaders discuss the chances of a rate cut in September and what it could mean for investors. Topics covered: • Federal Reserve • Interest Rate Cuts • Stocks & Bonds 00:00: Market sense introduction 02:02: When will we see tariff impact? 05:03: Rate cut for September? 07:26: What history says about rate cuts and the markets 09:13: Rate cut & potential for growth 10:55: Market pricing 12:48: Bond market/ 60/40 portfolio 15:14: Rate cut and inflation 18:07: International stocks 19:40: Potential opportunities 21:06: Future of the Fed Click here to check out our Market Sense homepage and sign up to watch us live every Tuesday at 2pm. https://www.fidelity.com/learning-center/live-PI?ccsource=marketsenseCTA And while you’re there, you can also sign up for the Viewpoints newsletter and try out our retirement savings calculator. Questions? Drop them below 👇 and we’ll reply right in the comments. • Like what you see? Register for the next event: • https://fidelityevents.com/Market-Sense?utm_campaign=YouTube • Subscribe to Fidelity Viewpoints: https://www.fidelity.com/signup/viewpoints_wkly • 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 DISCLAIMER: For workplace use, business to assume risk of promoting. 1218915.1.0 #GlobalTrade #InternationalStocks #MarketNews #BondMarket Play Video Play Video 04:18 What Is Dollar-Cost Averaging? | Fidelity Investments What's a simple way to invest consistently? Dollar-cost averaging is a strategy that helps build healthy investing habits. In this video we’ll break down how it works, highlight its key benefits and potential watchouts, and show you how to set it up using recurring investing on Fidelity.com. 00:00 Intro 00:13 What is dollar-cost averaging? 00:38 How do you set up dollar-cost averaging? 00:50 What are recurring investments? 01:12 What are the benefits of dollar-cost averaging? 01:25 How can dollar-cost averaging help your money grow? 02:13 How can dollar-cost averaging help take emotion out of investing? 02:25 Timing the market vs. time in the market 02:53 How can dollar-cost averaging help lower the cost of investments? 03:15 What are some of the drawbacks of dollar-cost averaging? 03:47 How do you set up recurring investing? 03:57 Sign off Learn more about dollar-cost averaging here: https://www.fidelity.com/learning-center/trading-investing/dollar-cost-averaging Set up recurring investing here: https://www.fidelity.com/trading/recurring-investments Questions? Drop them below 👇 and we’ll reply right in the comments. • 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 1201168.2.0 #Investing #Fidelity #Money #Dollarcostaveraging #RecurringInvesting Play Video Play Video 12:11 Private Equity Finds Opportunity in America’s Child Care Crisis Parents in the US pay an average of $11,582 per year for child care for children under the age of 15. And private equity sees an opportunity, by racing to consolidate independent daycares. Easy access to capital propels their growth, but child care experts warn that debt‑loaded roll‑ups drive teacher turnover and can implode suddenly, wiping out the access they seek to provide in large numbers. Vermont’s new publicly funded program is an example of a model that works - a payroll tax and disclosure of child care center ownership to provide access to those who need it. -------- More on Bloomberg Television and Markets Like this video? Subscribe and turn on notifications so you don't miss any videos from Bloomberg Markets & Finance: https://tinyurl.com/ysu5b8a9 Visit http://www.bloomberg.com for business news & analysis, up-to-the-minute market data, features, profiles and more. Connect with Bloomberg Television on: X: https://twitter.com/BloombergTV Facebook: https://www.facebook.com/BloombergTelevision Instagram: https://www.instagram.com/bloombergtv/ Connect with Bloomberg Business on: X: https://twitter.com/business Facebook: https://www.facebook.com/bloombergbusiness Instagram: https://www.instagram.com/bloombergbusiness/ TikTok: https://www.tiktok.com/@bloombergbusiness?lang=en Reddit: https://www.reddit.com/r/bloomberg/ LinkedIn: https://www.linkedin.com/company/bloomberg-news/ More from Bloomberg: Bloomberg Radio: https://twitter.com/BloombergRadio Bloomberg Surveillance: https://twitter.com/bsurveillance Bloomberg Politics: https://twitter.com/bpolitics Bloomberg Originals: https://twitter.com/bbgoriginals Watch more on YouTube: Bloomberg Technology: https://www.youtube.com/@BloombergTechnology Bloomberg Originals: https://www.youtube.com/@business Bloomberg Quicktake: https://www.youtube.com/@BloombergQuicktake Bloomberg Espanol: https://www.youtube.com/@bloomberg_espanol Bloomberg Podcasts: https://www.youtube.com/@BloombergPodcasts Play Video Play Video 03:02 Why Defense Stocks Are Rallying | with Lazar Naiker AGF Investments’ senior analyst Lazar Naiker on the outperformance of the aerospace and defense sector so far this year Chapters: 00:00 Intro & Title 00:08 How has the global aerospace and defense sector performed so far in 2025? 00:37 Why is Europe potentially fertile ground for the aerospace and defense sector? 01:20 How might shifting U.S. priorities impact aerospace and defense stocks? 01:47 What might investors potentially expect in terms of new technologies and innovations within the aerospace and defense sector? 02:48 Disclaimer 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 01:10 The future of liability-driven investing Learn what the next phase in liability-driven investing (LDI) looks like, and see what trends are driving the evolution. CORP-12712 date of first use: feb 2025 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

What type of investor are you? Pre-Retiree investors are people who are getting ready for their retirements by investing early and creating a financial plan they can follow. Pre-Retiree Prepare for Retirement Steps to follow: Assess Retirement Needs & Goals: Begin by understanding your retirement aspirations. What do you want your retirement to look like? We'll help you identify your goals. Evaluate Financial Situation: Let's take a deep dive into your financial situation. We'll assess your assets, investments, and savings to determine your readiness for retirement. Create a Strategic Retirement Plan: Together, we'll craft a personalized retirement plan that aligns with your goals and financial situation. This plan will be your roadmap to a worry-free retire men Learn More > RRSPs and TFSAs - Which one is right for you? When it’s time to decide which mix of savings vehicles is right for you, your options can start looking like a hearty bowl of alphabet soup. Learn More > Registered Retirement Savings Plan (RRSP) Almost everything you need to know about RRSPs. If you are like most Canadians, chances are you could use some help when it comes to saving for retirement. When used to its full advantage, an RRSP can be a powerful tool that can save you money. Learn More > Tax Free Savings Account (TFSA) - The Facts Whether you are saving for the shorter term, or the long term, a TFSA can be a valuable addition to your financial strategy. It’s a powerful tool to save money in a tax free environment. Learn More > Learn More > Live life to the fullest Canadian life expectancy is on the rise, thanks to advancements in modern science and a focus on healthy living. The good news is, on average, Canadians are now living well beyond 85 years. However, with longer life comes the increased risk of outlasting your retirement savings. It's a concern shared by more than 60 percent of Canadians who worry about having enough financial security for their retirement years. Your retirement should be a time to live life to the fullest, to pursue your passions, and enjoy the fruits of your labor. To make the most of these precious years, it's crucial to plan wisely. Insightful Videos Play Video Play Video 03:10 Life & Money Matters - Retirement realities for boomers Play Video Play Video 01:42 Mortgages in retirement Play Video Play Video 01:12 Retirement Planning with GIF 100/100 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 02:12 Life & Money Matters - Top Retirement Planning Concerns Peter Wouters, Director, Tax Retirement & Estate Planning Media headlines and market uncertainty have left many aging investors with the feeling “I’m worried that I won’t have enough”. In this first segment of Life & Money Matters, Peter shares some of the top retirement planning concerns among investors. 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 01:56 Where will your retirement income come from? To ensure you have the retirement you dream of, there are a few important points you may want to work out before that day comes. Play Video Play Video 02:24 Retirement Planning - My Money Tools Video. Do you want to find out if the money you are saving today supports your retirement goals? If you are not sure, it's time to learn why it is important to use the Retirement Planner calculator and the Asset Allocation tool.

What type of investor are you? Tax Wise Investor are people who focus on investments that promote enhanced tax efficiency. Tax Wise Investor Registered Education Savings Plan (RESP) The Basic Canada Education Savings Grant (and other government grants) and tax-deferred growth make RESPs an attractive way to save for the rising cost of a child's education. Learn More > A TFSA is a flexible, general-purpose savings vehicle that allows you to make contributions each year and to withdraw at any time in the future. A TFSA provides you with a powerful incentive to save by allowing the investment growth to accumulate and be withdrawn tax-free. However, unlike an RRSP, you cannot claim a tax deduction for contributions you make to a TFSA and your withdrawals are added back to your unused contribution room for the following year. Learn More > Tax-Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) RRSPs provide a significant opportunity for Canadians to save, and investors generally recognize them as the best way to save for retirement. Key benefits of a Registered Retirement Savings Plan (RRSP): Investments compound tax-deferred as long as they remain in the plan Choose your investments from a wide range of options Contributions are tax-deductible Learn More > Spousal Registered Retirement Savings Plans (SRRSP) Now that we have pension income splitting, are spousal RRSPs a thing of the past? At first glance, it would appear that Spousal Registered Retirement Savings Plans (RRSPs) are no longer needed because the pension income splitting rules allow couples to split their income once their RRSPs become Registered Retirement Income Funds (RRIFs). Nevertheless, there are situations in which spousal RRSPs can offer some advantages. Learn More > Registered Disability Savings Plans (RDSP) Learn More > People with disabilities and their loved ones face a distinct set of financial challenges throughout their lives. To help address these challenges, in 2008 the Government of Canada introduced the Registered Disability Savings Plan (RDSP). Designed to help build long-term financial security for disabled persons, the RDSP makes it easier to accumulate funds by providing assisted savings and tax-deferred investment growth. Charitable Giving Giving to charity is a strong tradition in Canada but with cutbacks, the amount of public funding received by charitable organizations from the government has been dramatically reduced. This leaves many organizations in a precarious financial situation: with more fiscally conservative governments, ageing populations and escalating operational costs, many charities are faced with the reality of being unable to maintain effective levels of service. Learn More > Locked-In Plans Locked-in plans are when employers' and employees’ vested contributions and interest are transferred into a Registered Retirement Savings Plan until the investor reaches a specific age (anywhere from age 50 to 70), depending on the pension legislation applicable to your plan. Locked-in Retirement Account (LIRA), Locked-in Retirement Savings Plan (LRSP), and Restricted Locked-in Savings Plan (RLSP) are locked-in versions of a Registered Retirement Savings Plan (RRSP) to which no contributions can be made. Life Income Fund (LIF), Locked-in Retirement Income Fund (LRIF), Prescribed Retirement Income Fund (PRIF) and Restricted Life Income Fund (RLIF) are locked-in versions of RRIFs. No contributions can be made; withdrawals are subject to annual minimums and maximums. Learn More > This financial tool, when combined with capital gains-generating investments, can be a game-changer for Canadian business shareholders. Key Benefits: Tax Efficiency: The Capital Dividend Account allows you to receive income in a tax-advantageous manner, reducing your overall tax liability. Wealth Growth: By utilizing capital gains-generating investments, you can grow your wealth while enjoying tax advantages. Capital Dividend Account Learn More > Insightful Videos Play Video Play Video 04:36 How to weather market volatility Wondering how you can keep your financial goals on track as the markets fluctuate amid the COVID-19 pandemic? If your long-term goals haven't changed, you may want to stay invested. http://ow.ly/zyZ950yY2YB 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 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 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 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 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 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 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?

What type of investor are you? Business Owner & Professional are people who are own a business or businesses, they focus on investing back into their businesses by acquiring more assets. 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