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  • Mutual Funds | JONES DesLauriers Blevins
    of these depending on its investment objective The money in the pool is invested on behalf of the group by a portfolio manager The value of the investments can go up or down and are affected by many factors including a change in interest rates or exchange rates the economic conditions in Canada or abroad and news about the companies the fund invests in If the investments make money everyone makes money Conversely if the investments lose money everyone loses money Investment options include Fixed Income Funds Invest in government or corporate bonds Balanced Funds Invest in a combination of fixed income and equities Canadian Equity Funds Invest in Canadian Equities Dividend Funds Invest in stocks that pay dividends U S Equity Funds Invest in U S equities Specialty Funds Invest in limited sectors of the stock market such as include Mortgage Funds Real Estate Funds Resource Funds Asset Allocation Funds A mix of mutual funds into a single portfolio generally designed to meet a defined risk tolerance What are the benefits of Mutual Funds Diversification of investments Cost efficient Easy to invest in Can be held in registered and non registered plans Thousands of Mutual Funds to choose from

    Original URL path: http://www.jdbgroup.ca/mutual-funds/ (2016-04-26)
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  • RRIFs, LIFs, LRIFs | JONES DesLauriers Blevins
    of investments including mutual funds segregated funds GICs stocks and simple annuities The investment income in a RRIF accumulates tax free but it is subject to tax upon withdrawal and each year the RRIF holder must withdraw at least a minimum portion of the money in the fund and pay tax on it What are the benefits of a RRIF The interest and investment in a RRIF is allowed to grow tax free You can control how your money is invested You can maximize tax deferral opportunities It may be possible to calculate the minimum withdrawal amount according to the age of the beneficiary s spouse which can mean lower minimum withdrawals if the beneficiary s spouse is younger They give you withdrawal flexibility Pension Money Money from a pension plan MUST be used to provide income throughout retirement The money from a pension is labeled locked in What is a Life Income Fund LIF A Life Income Fund LIF is a locked in retirement income investment plan that allows you to convert Locked in RRSPs or LIRAs Locked in Retirement Account to income There are minimum withdrawal amounts that must be made each year The rules on converting LIFs to annuities at age 80 vary from province to province Many provinces allow you to unlock a portion of your pension money when a LIF is set up This unlocked money may be withdrawn in cash or moved to a RIF where the withdrawal rules are more flexible What are the benefits of a LIF You have access to your funds at all times The interest on a LIF accumulates tax free until funds are paid out The payments qualify for the pension income tax credit You have flexibility and control of the investments and payments What is a Locked

    Original URL path: http://www.jdbgroup.ca/rrifs-lifs-lrifs/ (2016-04-26)
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  • Annuties | JONES DesLauriers Blevins
    a secondary annuitant usually a husband and wife Upon the death of the primary annuitant the surviving annuitant will continue to receive an income A Term Annuity provides guaranteed income for a specified period of time Annuities can be customized in a variety of ways to meet your financial goals Options can be added to a Life Annuity Contract but each option that you add increases the cost and reduces the payments You will get the highest income with a basic annuity that covers only you Options include Prescribed Annuities You are able to obtain preferential tax treatment if you are investing in annuities using non registered funds Impaired Annuities These annuities offer higher income payments in the event that you have serious health issues Guaranteed Benefit This guarantees a specific number of payments If you pass away before being paid the guaranteed number of payments your estate will either get the balance of the payments or a lump sum equivalent If you live beyond the guaranteed number of payments you will still receive payments for life as you contracted for a Life Annuity Contract Indexed Annuity Your income increases as the cost of living increases What are the benefits

    Original URL path: http://www.jdbgroup.ca/annuties/ (2016-04-26)
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  • GICs | JONES DesLauriers Blevins
    on how much you invest the features of the GIC and how long you plan to hold the GIC before getting back your money GICs are available for all of your registered and non registered investments They are safe and secure investments that have very little risk There are several types of GICs Non redeemable GICs are also referred to as Traditional GICs The money is locked down until maturity They can be short term GICs or long term GICs and return the principal plus interest at a specified rate Redeemable GICs are also referred to as Cashable or Flexible GICs and typically have a lower interest rate than non redeemable GICs They return a guaranteed interest rate to maturity unless the issuer exercises the right to liquidate the contract Even though they are redeemable most have a minimum length of time when they cannot be cashed out without penalty Escalator Rate GICs increase each year of the term regardless of the market rate s fluctuation Market linked or index linked GICs are based on the performance of various stock market indices What are the benefits of GICs They are affordable You can choose the term of your GIC They

    Original URL path: http://www.jdbgroup.ca/gics/ (2016-04-26)
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  • Medical And Dental Plans | JONES DesLauriers Blevins
    have some form of supplementary health care which can cover anything your provincial health insurance doesn t depending on the plan that you have contracted for Medical and Dental Plans are becoming increasingly important considering that provincial health plans are delisting many services in order to cut costs In addition to the increased medical coverage and protection against some of the uninsured costs that can be incurred with medical care the premiums for your individual health plan are eligible medical expenses under the Canadian Federal Income Tax Act Who can benefit from a Medical and Dental Plan Everyone you your family anyone not covered by an employer anyone not satisfied with their current health care coverage the self employed and the retired Medical and Dental Plans offer a wide range of services that can provide you and your family the type coverage that meets your individual needs and may include Hospital Accommodation Benefits Prescription Drug Plans Ambulance Services In Home Nursing Medical Supplies Accidental Death and Dismemberment Vision Care Hearing Aids Mobility Aids Prostheses Paramedical services Acupuncturist Chiropodist Chiropractor Massage Therapist Naturopath Osteopath Physiotherapist Podiatrist Psychologist Speech Therapist Best Doctors Emergency Travel Medical Dental Care from basic dental to major

    Original URL path: http://www.jdbgroup.ca/medical-and-dental-plans/ (2016-04-26)
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  • Out of Country Coverage / Travel Assistance | JONES DesLauriers Blevins
    for your emergency medical treatment the amount is very limited as it is based on what that same service costs in your home province In addition there are many things that Government Health Insurance Plans do not cover including ambulance services private or semi private hospital rooms returning you home transporting a family member to be with you or the return of your vehicle Even when travelling within Canada it is wise to have Travel Insurance Although each province has a Government Health Insurance Plan the costs of medical services vary from province to province and you will be considered a non resident traveller even though you are Canadian Don t take chances Out of Country Coverage Travel Assistance is financial protection against unexpected emergency medical expenses that may arise from illness or injury during your trip There are many Out of Country Coverage Travel Assistance Plans to choose from with a wide range of options to meet your individual needs 24 7 assistance worldwide Consular travel warnings Travel documentation replacement Vaccinations Translation services Legal information services Hospital accommodation Ambulance services Emergency medical care Emergency dental care Prescription drugs Paramedical services Accommodation costs for your family member or travel companion

    Original URL path: http://www.jdbgroup.ca/out-of-country-coverage-travel-assistance/ (2016-04-26)
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  • Life Insurance | JONES DesLauriers Blevins
    play a significant role in providing financial support and peace of mind for employees and their families in the event of a tragic death In addition to valuable financial protection plan members can use their life insurance benefits for many things including Funeral costs Income replacement Mortgage payments Children s education Probate fees Latest Blog Post JONES DesLauriers Blevins partners with Maple Leaf Angels and MLA48 JONES DesLauriers Blevins JDB

    Original URL path: http://www.jdbgroup.ca/life-insurance/ (2016-04-26)
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  • Critical Illness Insurance | JONES DesLauriers Blevins
    subject to a satisfactory statement of health your current health and family history will be subject to examination and the insurer may request that certain tests are performed There are many options available including Second Event Coverage Return of Premium at Expiry Return of Premium at Death Automatic Increasing Benefits and Waiver of Premium on Disability Critical Illness Insurance is also available for children Do I need Critical Illness Insurance Most of us will be affected by a critical illness in our lifetime as is evidenced by these statistics The Heart and Stroke Foundation reports that 1 in 2 men and 1 in 3 women are predicted to develop heart in disease in their lifetime 1 3 of stroke victims are under the age of 65 60 of stroke victims will be left with a disability The Canadian Cancer Society reports that More than 130 000 Canadians will be diagnosed with cancer this year More than 60 000 people in Canada will die from cancer this year 1 in 2 4 men and 1 in 2 7 women living in Canada will develop cancer The Parkinson s Foundation of Canada reports that There are approximately 80 000 100 000 Canadians suffering from Parkinson s The Multiple Sclerosis Society of Canada reports that More than 50 000 Canadians have Multiple Sclerosis What Critical Illnesses will my policy cover Critical Illness Insurance policies may offer you the option of insurance for the three most commonly claimed critical illnesses Heart Attack Cancer and Stroke Depending on the insurer and the plan up to 25 medical conditions may be covered heart attack cancer stroke coronary artery by pass surgery blindness paralysis Alzheimer s disease amyotrophic lateral sclerosis ALS motor neuron disease multiple sclerosis MS bacterial meningitis kidney failure loss of independent existence loss of

    Original URL path: http://www.jdbgroup.ca/personal-critial-illness/ (2016-04-26)
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