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The Plan


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An overview of the value of The Plan.

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The Plan

  1. 1. 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 One of Canada’s largest money managers Long-term mutual fund assets MONTRÉAL DUBLIN under management 96.2 104.7WINNIPEG At December 31, 2010 ($ billions) TORONTO HONG KONG 63.0 50.2 52.6 46.2 32.5 35.4 22.5 26.4 AGF INVESCO DYNAMIC BMO CIBC FIDELITY TD CI RBC IGM* * Includes Investors Group, Mackenzie Financial Corporation and Counsel Portfolio Services Inc. Source: The Investment Funds Institute of Canada (IFIC), 2010
  2. 2. Complete financial World-class relationshipsservices for individualsand corporationsShort-term Products & plans3 Chequing 3 Mutual funds3 Savings 3 RRSPs3 Credit cards 3 RESPs 3 Tax-Free SavingsLending Accounts (TFSAs)3 Mortgages 3 GICs3 Loans 3 Annuities3 Lines of credit 3 Registered Retirement Income Funds (RRIFs)Income protection 3 Guaranteed3 Life insurance Investment Funds (GIFs)3 Accident/sickness 3 Tax-advantaged funds3 Critical illness 3 Individual pension plans3 Long-term care 3 Group retirement services As of May 20113 Health and dental 3 Brokerage services through3 Group insurance Investors Group Securities Inc.
  3. 3. 3 Providing for family membersMost Canadians face – one in 10 boomers with children are also providing some type of support to agingfinancial challenges parents, as well as looking after their own needs i3 Low retirement income 3 Paying too much tax – 46% of Canadians surveyed agree that – 87% of Canadian boomers feel they are reducing the amount of taxes they pay is not ready for retirement ii an important immediate financial goal 13% Extremely ready 3 Protecting yourself and your loved ones 34% Somewhat ready – just over one in four of todays 20-year-olds iii will become disabled before they retire 32% Not sure 3 Managing personal balance sheet 12% Not particularly ready – one in three Canadians with debt admit iv to losing sleep over their debt load 9% Not at all ready 3 Choosing the right advice and best financial vehicles – households without an advisor36% of surveyed boomers said that if they could – have less investable assetsgo back and do it again, they would start saving – are less likely to take advantage of RRSPs andfor retirement earlier.* TFSAs as those with an advisor vSource: PMG Intelligence “Canadian Boomers and the New Retirement” 2009 Statistics shown represent responses from i Investors Group’s “Boomers on call survey,” Sept/Oct 2009, online survey conducted by Harris/Decimasurvey participants aged 45 to 70 who indicated they were not yet retired to the following question: “Thinking of everything ii Ipsos Reid, Canadians & Financial Advice, February 2011about the time of life called retirement, including social, health, financial, recreational and other issues, how ready are you iii Council for Disability Awareness, 2010for retirement?” iv Investors Group’s “Gain and pain poll,” April/May 2011, online survey conducted by Harris/Decima* Investors Group’s “When I’m 65 Poll,” Oct/Nov 2010, online survey conducted by Harris/Decima v Ipsos Reid “Canadian Financial Monitor”, special analysis for IFIC, 2010
  4. 4. The value of advice Household age Household income 3.2x 2.7x 5.3x 4.1x 4.6x 6.8x 3.7x 1.6xAverage investable assets Average investable assets $79,074 $140,155 $246,752 $272, 761 $125,348 $197,273 $164,542 $214,587 $24,787 $51,649 $46,462 $66,064 $27,104 $29,119 $44,103 $138,358 45 and under 45 – 54 55 – 64 65 and over $35,000 – $54,999 $55,000 – $69,999 $70,000 – $99,000 $100,000 or more Age of head of household (2009) Household income (2009) no advice National data shows that Canadians at no advice with advice any age and income level can benefit with advice from having a financial advisor. Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010 Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010
  5. 5. Keeping up takes time We take the time3 Increasing rate of change 3 Our purpose is to3 Financial services are complex – analyze3 Government legislates changes – explain3 Career and personal demands take priority – advise – solve financial problemsNo one has taken the time to explain, in understandableterms, how to pull everything together!
  6. 6. Our approach is unique... APPROACH recognizes individual3 Recognizes individual differences differences3 Is co-ordinated and flexible3 Provides a Personal Financial Program 3 We know that financial3 Faces realities and finds opportunities independence is: – different things to different people – getting the things you want – doing the things you enjoy – based on your lifestyle
  7. 7. is co-ordinated provides a Personal and flexible Financial Program 3 Helping you set financial goals Short-term Income & asset reserve protection 3 Taking advantage of tax-saving opportunities Insurance Planning for emergencies For you and your planning* 3 Ensuring your investments reflect your personal and opportunities dependants in case of: Cash – Premature death Estate financial goals Developing amanagement* financial reserve – Disability, critical illness planning* – Long-term care Investment Education planning* Financial independence depends on you – planning Moderate-term Longer-term Tax not the company, government, relatives goals goals planning* or friends! Educate my children Financial independence Retirement planning* A part of all you earn is yours to keep. Purchase a home/cottage Retire comfortably Leisure activities Preserve my estate The Investors Four Cornerstones Philosophy™ is the foundation for financial independence. * Six disciplines of financial planning
  8. 8. faces realities and finds opportunities 3 Unplanned events – losing a job3 Planned events – divorce – going to post-secondary school – receiving an inheritance – getting your first job – winning a lottery – getting married – accident or illness – buying a home – caring for a loved one – raising a family – death of a loved one – starting a business – changing careers – saving for retirement – selling a business – living in retirement – planning your estate Throughout their lifetime, everyone can benefit from financial planning.
  9. 9. Professional and 3 We establish and maintain continuity of personal service by providing a personal service – realistic financial plan – regular review and update3 Access to a team of specialists– through the – through head office region office – Retirement planning – Securities – Estate planning – Banking and mortgage – Tax planning – Insurance – Risk management – Investment planning – Product support – Client administration services and support – Technology support asure can me n ich you ow from wh ets that you the chmark ass on o a ben between the Based . It is als e er debt). position of the differencloans and oth ancial e ur cur rent fin rth consists as mortgages, . ation you hav ot of yo ur net wo s (such ,075,000 inform a snapsh ial goals. Yo your liabilitie t worth of $1 on the worth is financ ) and ne es. Based 10. Your net towards your investments have a expens th your at the end of 20 currently ome wi progress your home and vided, you your inc plus of $26,2 55 pro es (such as on you have compar w sur position e a cash flo Your personal plan ati inform h flow hav rent cas ected to Flow Your cur you are exp C a sh provided, orth Net W Incomes Outflo ws Surplus makes it easy to orth Net W ies Liabilit – know where you stand 97 Assets $214,7 56 $104,7 Flow Cash $21,18 1 5 Income $62,60 00 Expenses 5 $520,0 Lifestyle $26,25 00 s $2,188 orth $170,0 Saving es Net W sets* $600,0 00 Estima ted Tax s d As ,000 l Surplu Registere stered Assets $1,290 ) Annua plus Non-R egi ($215,000 0 Mo nthly Sur Assets ,00 Lifestyle s $1,075 set Total As Liabili Net Wo ties * TFSAs rth are inc luded in Registe red Ass ets – plan to reach your goals – stay on track
  10. 10. Investment products and services are offered through Investors Group Financial ServicesInc. (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 CanadianInvestor 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-WestLife 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 bereferred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, MortgageBrokerage Licence #10809, Mortgage Administrator Licence #11256.Commissions, fees and expenses may be associated with mutual fund investments andthe use of Symphony Strategic Investment Planning™. Read the prospectus and speakto an Investors Group Consultant before investing. Mutual funds are not guaranteed,values change frequently and past performance may not be repeated. Symphony is anasset allocation service which provides a strategic approach to investment planningrelating only to Investors Group mutual funds.Trademarks of financial partners appear with their specific approval.Banking products and services are distributed through Solutions Banking™. SolutionsBanking 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 (09/2011-PW)