Get to know Investors Group
- 2. MONTRÉAL TORONTO DUBLIN HONG KONG WINNIPEG Strength andstability 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 AGF INVESCO DYNAMIC BMO CIBC FIDELITY TD CI RBC IGM* Long-term mutual fund assets under management At December 31, 2010 ($ billions) 22.5 26.4 32.5 35.4 46.2 50.2 52.6 63.0 96.2 104.7 * Includes Investors Group, Mackenzie Financial Corporation and Counsel Portfolio Services Inc. Source: The Investment Funds Institute of Canada (IFIC), 2010
- 3. Complete financial services forindividuals 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 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. World-class relationships As of May 2011
- 4. 3 Providing forfamily members – one in 10 boomers with children are also providing some type of support to aging parents, as well as looking after their own needs 3 Paying too much tax – 46% of Canadians surveyed agree that reducing the amount of taxes they pay is an important immediate financial goal 3 Protecting yourself and your loved ones – just over one in four of today's 20-year-olds will become disabled before they retire 3 Managing personal balance sheet – one in three Canadians with debt admit to losing sleep over their debt load 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 TFSAs as those with an advisor i Investors Group’s “Boomers on call survey,” Sept/Oct 2009, online survey conducted by Harris/Decima ii Ipsos Reid, Canadians & Financial Advice, February 2011 iii Council for Disability Awareness, 2010 iv Investors Group’s “Gain and pain poll,” April/May 2011, online survey conducted by Harris/Decima v Ipsos Reid “Canadian Financial Monitor”, special analysis for IFIC, 2010 Most Canadians face financial challenges 3 Low retirement income – 87% of Canadian boomers feel they are not ready 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 i ii iii iv v
- 5. The value ofadvice Household age Household income 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 $35,000 – $54,999 $100,000 or more$55,000 – $69,999 $70,000 – $99,000 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 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.
- 6. Keeping up takestime We take the time 3 Increasing rate of change 3 Financial services are complex 3 Government legislates changes 3 Career and personal demands take priority 3 Our purpose is to – analyze – explain – advise – solve financial problems No one has taken the time to explain, in understandable terms, how to pull everything together!
- 7. 3 Recognizes individualdifferences 3 Is co-ordinated and flexible 3 Provides a Personal Financial Program 3 Faces realities and finds opportunities 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 APPROACHOur approach is unique... recognizes individual differences
- 8. 3 Helping youset 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. 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 Perserve 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 is co-ordinated and flexible provides a Personal Financial Program
- 9. 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 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 Throughout their lifetime, everyone can benefit from financial planning. faces realities and finds opportunities
- 10. 3 We establishand maintain continuity of personal service by providing a – realistic financial plan – regular review and update Professional and personal service – through the region office – Securities – Banking and mortgage – Insurance – through head office – Retirement planning – Estate planning – Tax planning – Risk management – Investment planning – Product support – Client administration services and support – Technology support 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 3 Access to a team of specialists
- 11. Investment products andservices 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. 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 (09/2011-PW)