3. Strength and stability
3 Canadian pioneer in financial services since 1926
3 Serves approximately one million Canadians
3 More than 400 offices from coast to coast
3 A member of the Power Financial
Corporation group of companies
3 Investors Group Inc. is a wholly owned subsidiary of
IGM Financial Inc., and is one of the country’s largest
managers and distributors of mutual funds and other
managed asset products with over $132 billion in total
assets under managementi
3 IGM Financial Inc. is the sixth largest publicly traded
global asset manager by market capitalizationii
i
Assets under management figure as at January 31, 2014
ii
Market Capitalization figure as at December 31, 2013
4. Complete financial
services for individuals
and corporations
Short-term
3 Chequing
3 Savings
3 Credit cards
Lending
3 Mortgages
3 Loans
3 Lines of credit
Income protection
3 Life insurance
3 Accident/sickness
3 Critical illness
3 Long-term care
3 Health and dental
3 Group insurance
Products & plans
3 Mutual funds
3 RRSPs
3 RESPs
3 RDSPs
3 Tax-Free Savings
Accounts (TFSAs)
3 GICs
3 Annuities
3 Registered Retirement
Income Funds (RRIFs)
3 Guaranteed
Investment Funds (GIFs)
3 Tax-advantaged funds
3 Individual pension plans
3 Group retirement services
3 Brokerage services through
Investors Group Securities Inc.
3 Investors Group Charitable
Giving Program
6. Most Canadians face
financial challenges
3 Low retirement income
– 87% of Canadian boomers feel they are
not fully prepared for retirement
36% of surveyed boomers said that if they could
go back and do it again, they would start saving
for retirement earlier.*
Source: PMG Intelligence “Canadian Boomers and the New Retirement” 2009 Statistics shown represent responses from survey
participants aged 45 to 70 who indicated they were not yet retired to the following question: “Thinking of everything about the time
of life called retirement, including social, health, financial, recreational and other issues, how ready are you for retirement?”
* Investors Group’s “When I’m 65 Poll,” Oct/Nov 2010, online survey conducted by Harris/Decima
13% Extremely ready
34% Somewhat ready
32% Not sure
12% Not particularly ready
9% Not at all ready
7. 3 Providing for family members
– 2 in10 boomers are concerned about saving for
expenses related to aging parents, as well as looking
after their own needsi
3 Paying too much tax
– 42% of Canadians surveyed agree that
reducing the amount of taxes they pay is an
important immediate financial goali
3 Protecting yourself and your loved ones
– just over one in four of today’s 20-year-olds will
become disabled before they retireii
3 Managing personal balance sheet
– one in three Canadians with debt admit
to losing sleep over their debt loadiii
3 Choosing the right advice and best financial vehicles
– households without an advisor
– have less investable assets
– are less likely to take advantage of RRSPs and TFSAsiv
i Ipsos Reid, Canadians & Financial Advice, February 2013
ii Council for Disability Awareness, 2013
iii Investors Group’s “Gain and pain poll,” April/May 2011, online survey conducted by Harris/Decima
iv Ipsos Reid “Canadian Financial Monitor”, special analysis for IFIC, 2010
8. The value of advice
Household age
45 and under 65 and over45 – 54 55 – 64
no advice
Age of head of household (2009)
Averageinvestableassets
$272,761
$66,064$46,462$51,649$24,787
$246,752$140,155$79,074
3.2x 2.7x 5.3x 4.1x
with advice
Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010
9. Household income
$35,000 – $54,999 $100,000 or more$55,000 – $69,999 $70,000 – $99,999
no advice
Household income (2009)
Averageinvestableassets
$214,587
$138,358$44,103$29,119$27,104
$164,542$197,273$125,348
4.6x 6.8x 3.7x 1.6x
with advice
Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010
National data shows that Canadians at
any age and income level can benefit
from having a financial advisor.
10. Keeping up takes time
3 Increasing rate of change
3 Financial services are complex
3 Government legislated changes
3 Career and personal demands take priority
No one has taken the time to explain, in understandable
terms, how to pull everything together!
11. We take the time
3 Our purpose is to
– discover
– analyze
– explain
– advise
– solve financial problems
12. 3 Recognizes individual differences
3 Is co-ordinated and flexible
3 Provides a personal financial program
3 Faces realities and finds opportunities
OUROur approach is unique...
13. 3 We know that financial independence is:
– different things to different people
– getting the things you want
– doing the things you enjoy
– based on your lifestyle
APPROACHrecognizes individual
differences
14. Short-term
reserve
Planning for emergencies
and opportunities
Developing a
financial reserve
Income & asset
protection
For you and your
dependants in case of:
– Premature death
– Disability, critical illness
– Long-term care
Moderate-term
goals
Educate my children
Purchase a home/cottage
Leisure activities
Longer-term
goals
Financial independence
Retire comfortably
Preserve my estate
The Investors Four Cornerstones Philosophy™
is the foundation for financial independence.
* Six disciplines of financial planning
Insurance
planning*
Estate
planning*
Investment
planning*
Tax
planning*
Retirement
planning*
Cash
management*
Education
planning
OUR is co-ordinated
and flexible
15. 3 Helping you set financial goals
3 Taking advantage of tax-saving opportunities
3 Ensuring your investments reflect your personal financial goals
Financial independence depends on you –
not the company, government, relatives or friends!
A part of all you earn is yours to keep.
APPROACHprovides a personal
financial program
16. 3 Planned events
– going to post-secondary school
– getting your first job
– getting married
– buying a home
– raising a family
– starting a business
– changing careers
– saving for retirement
– selling a business
– living in retirement
– planning your estate
OUR
Throughout their lifetime, everyone
can benefit from financial planning.
faces realities and
finds opportunities
17. 3 Unplanned events
– losing a job
– divorce
– receiving an inheritance
– winning a lottery
– accident or illness
– caring for a loved one
– death of a loved one
APPROACH
18. Professional and
personal service
Through the region office
– Securities
– Mortgage and banking
– Insurance
3 Access to a team of specialists
Through head office
– Retirement planning
– Estate planning
– Tax planning
– Risk management
– Investment planning
– Product support
– Client administration
services and support
– Technology support
19. 3 We establish and maintain continuity of
personal service by providing a
– realistic financial plan
– regular review and update
Your net worth is a snapshot of your current financial position. It is also a benchmark from which you can measure
progress towards your financial goals. Your net worth consists of the difference between the assets that you own
(such as your home and investments) and your liabilities (such as mortgages, loans and other debt). Based on the
information you have provided, you currently have a net worth of $1,075,000.
Your current cash flow position compares your income with your expenses. Based on the information you have
provided, you are expected to have a cash flow surplus of $26,255 at the end of 2010.
wolFhsaC
htroWteN
Assets
Liabilities
Net Worth
Incomes
Outflows
Surplus
Net Worth
Registered Assets*
$520,000
Non-Registered Assets
$170,000
Lifestyle Assets
$600,000
Total Assets
$1,290,000
Liabilities
($215,000)
Net Worth
$1,075,000
* TFSAs are included in Registered Assets
Cash Flow
Income
$214,797
Lifestyle Expenses
$104,756
Savings
$21,181
Estimated Taxes
$62,605
Annual Surplus
$26,255
Monthly Surplus
$2,188
Your personal plan
makes it easy to
– know where you stand
– plan to reach your goals
– stay on track
20. Investment products and services are offered through Investors Group Financial Services
Inc. (in Québec, a Financial Service Firm) and Investors Group Securities Inc. (in Québec,
a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian
Investor Protection Fund.
GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers.
Insurance products and services distributed through I.G. Insurance Services Inc.
(in Québec, a Financial Services Firm). Insurance license sponsored by The Great-West
Life Assurance Company (outside of Québec).
Investors Group Trust Co. Ltd. is a federally regulated trust company and the mortgagee.
Mortgages are offered through I.G. Investment Management, Ltd.* Inquiries will be
referred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, Mortgage
Brokerage Licence #10809, Mortgage Administrator Licence #11256.
The Canada Disability Savings Grant and the Canada Disability Savings Bond are provided
by the Government of Canada. Eligibility depends on family income levels.
The Investors Group Charitable Giving Program is offered together with the Strategic
Charitable Giving Foundation, which operates independently from Investors Group.
Donations are irrevocable and vest with the Foundation. This information is general in
nature and not intended to be professional tax advice. Please read the Program Guide for
complete details, including fees and expenses.
Commissions, fees and expenses may be associated with mutual fund investments and
the use of Symphony Strategic Investment Planning™. Read the prospectus and speak
to an Investors Group Consultant before investing. Mutual funds are not guaranteed,
values change frequently and past performance may not be repeated. Symphony is an
asset allocation service which provides a strategic approach to investment planning
relating only to Investors Group mutual funds.
Trademarks of financial partners appear with their specific approval.
Banking products and services are distributed through Solutions Banking™. Solutions
Banking products and services are provided by National Bank of Canada.
™ Solutions Banking is a trademark of Power Financial Corporation. Investors Group
and design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary
corporations. National Bank of Canada is a licensed user of these trademarks.
™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.
C3146 (09/2013-PW)
