Discover investment options tailored to your financial goals and risk tolerance.
Product Spotlight
We offer a variety of products, such as GICs, mutual funds, annuities, and separately managed accounts. Learn more about your options below.
Separately Managed Accounts (SMA)
As its name suggests, a clients investment portfolio is managed to meet the investors own unique investment requirements as outline in the Investment Policy statement and are not pooled together with other investors like in a traditional mutual fund. This is a strategy geared towards clients who are looking for a more tailored and focused approach to their own investment portfolio. Some key advantages of a separately managed account over a mutual fund are lower fees, tax efficiencies, greater transparency, and more flexibility.
Minimums of $200,000 are required for this type of portfolio, and fees are a maximum of 2.00% of the clients’ assets. This fee is generally tax-deductible in non-registered accounts.
Mutual Funds
Mutual funds are one of the most common investment vehicles used by investors to achieve their financial goals. Mutual funds are a portfolio of investments that can range from an individual sector to a widely diversified fund. When you purchase a mutual fund, you gain partial ownership of the underlying assets the fund owns. The fund’s performance depends on how the underlying assets are performing collectively. When the value of the assets increase,,,,, so does the value of the mutual fund, and vice versa.
Mutual funds are operated by portfolio managers, who invest the fund’s capital and attempt to produce capital gains and income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus.
An investment in mutual funds is not guaranteed. An investment in mutual funds is subject to fluctuations in market value and a mutual fund’s past performance may not be repeated. Mutual funds are sold by prospectus only through a licensed salesperson.
Segregated Funds
Segregated funds are an excellent option for investors looking to earn capital appreciation through investment until a specified maturity date while also obtaining a life insurance death benefit if the owner dies before the contract matures. These funds offer a guaranteed payout of at least 75% to 100% of the premium paid, which is a significant advantage over standard mutual funds, where the investor has the risk of losing all their investments. With segregated funds, investors can have the peace of mind knowing that their investment is secure and protected.
This is an insurance product issued a contract exclusively sold by life insurance companies through their licensed advisors. These products are highly diversified, provide maturity and death benefit guarantees, potential creditor protection, reset options on investment growth, beneficiary designations for all account types and are managed by professional portfolio managers.”
Maturity Guarantee – This guarantee is dependent on the contract. Funds that are held to maturity, ranging from 10 years to age 105, will have a guaranteed minimum pay-out of 75% to 100% of the principal amount invested.
Death Benefit Guarantee – This guarantee option applies on death of the owner and there is a guaranteed pay-out of 75% to 100% of the principal amount invested paid to the beneficiaries stated in the contract.
Guaranteed Investment Certificates (GICs)
Guaranteed Investment Certificates (GICs) are a low-risk investment option that offer a fixed rate of return over a specified period, typically ranging from a few months to several years. When you invest in a GIC, you agree to lock in your money for the duration of the term, and in exchange, the issuer guarantees the return of your principal plus interest at maturity.
GICs are favored for their stability and predictability, making them an attractive choice for conservative investors looking to preserve capital while earning a modest but assured return. However, their fixed nature means that investors may miss out on higher returns if interest rates rise or if the market performs exceptionally well.
Annuities
Annuities are primarily used as a means of securing a steady cash flow for an individual during their retirement years. Annuities can be structured according to a wide array of details and factors, such as the duration of time that payments from the annuity can be guaranteed to continue.
Annuities can be created so that, upon annuitization, payments will continue so long as either the annuitant or their spouse is alive. Alternatively, annuities can be arranged to pay out funds for a fixed amount of time, such as 20 years, regardless of how long the annuitant lives. Annuities can be arranged to provide fixed periodic payments to the annuitant or variable payments.
The intent of variable annuities is to allow the annuitant to receive greater payments if investments of the annuity fund do well and smaller payments if its investments do poorly. This provides for a less stable cash flow than a fixed annuity, but allows the annuitant to reap the benefits of strong returns from their fund’s investments.
The different ways in which annuities can be structured provide individuals seeking annuities the flexibility to construct an annuity contract that will best meet their needs.
Account Types
Sunrise Wealth Management has a variety of account types with unique features to assist you in reaching your financial goals.
Segregated funds are an excellent option for investors looking to earn capital appreciation through investment until a specified maturity date while also obtaining a life insurance death benefit if the owner dies before the contract matures. These funds offer a guaranteed payout of at least 75% to 100% of the premium paid, which is a significant advantage over standard mutual funds, where the investor has the risk of losing all their investments. With segregated funds, investors can have the peace of mind knowing that their investment is secure and protected.
This is an insurance product issued as a contract exclusively sold by life insurance companies through their licensed advisors that are highly diversified, provides maturity or death benefits guarantee, creditor protection, offers reset options on investment growth value, provides protection against estate or probate issues when a beneficiary is named in the contract, and it is managed by professional investment managers.
Maturity benefit guarantee– This guarantee is dependent on the contract stating that funds held until maturity, usually 10 years, will have a guaranteed pay-out of 75% to 100% of the principal amount invested.
Death benefit guarantee– This guaranteed option applies on death of the owner and there is a guaranteed pay-out of 75% to 100% of the principal amount invested paid tax-free to the beneficiaries stated in the contract.
Using this registered savings plan is a smart way of saving and investing for the future. It offers significant tax advantages, allowing an individual to contribute a portion of the pre-tax income and defer taxes until retirement.
Contributing to an RRSP allows an individual to take advantage of compound growth as investment earnings within the account are tax-sheltered until withdrawal.
In addition to these benefits, the plan also offers the Home Buyers’ Plan (HBP), and Lifelong Learning Plan (LLP), which enable individuals to borrow money from the plan to acquire a qualifying home or fund education.
This is a flexible account that helps you invest, save, and withdraw tax-free. The Tax-Free Savings Account (TFSA) serves as a formidable financial tool used in achieving wealth accumulation.
It is equipped with the ability to shield accrued gains from taxation and stands as a cornerstone for savvy investors seeking to optimize their wealth management strategies.
The Registered Education Savings Plan (RESP) is a long-term savings plan account that allows you to save for your children’s academic pursuit after high school.
A RESP attracts government benefits such as the Canada Learning Bond (CLB) and the Canada Education Savings Grant (CESG) based on the child’s eligibility.
A RRIF is an investment account that holds funds transferred from a Registered Retirement Savings Plan (RRSP) or other registered pension plans and provides a regular stream of income during retirement to the beneficiary.
This federally regulated account allows earnings on investments to grow tax-sheltered, mandates the annuitant to make minimum withdrawals from it annually beginning from the eligible year, and this withdrawal must be reported as income when filing annual return.
A Registered Disability Savings Plan (RDSP) is a long-term savings plan created by the Government of Canada solely for an approved person with disabilities who receive the disability tax credit.
In addition to being a tax-deferred savings vehicle, the Government also helps the beneficiaries by giving grants and bonds.
A First Home Savings Account (FHSA) is a registered account for first time home buyers, older than 18 years of age and a resident of Canada, to save for buying or building a qualifying home.
FHSA contributions are tax-deductible and offer tax-free withdrawals, so long as you are using them to purchase a home. Any amount unclaimed as an FHSA deduction on your income tax and benefit return can be carried forward, even beyond the closure of your FHSAs.