Investment accounts
The smart way to grow your money
Investing isn’t just for experts — it’s a strategic way to turn your savings into real growth, protect yourself against inflation, and build long-term wealth.
Why invest? | Keeping your money idle also has a cost
What to do with your money
Spending it is one option, obviously! But a better idea is to hold on to it for some time.
The options where you can keep your money are not infinite : either your keep it hidden under your mattress or in a cookie jar where it will, slowly but surely, loose its value to inflation, or you can invest it in a financial instrument where it can gradually grow.
Types of investment: The choice depends on your financial goals and investment profile
- Segregated funds: portfolios offered by insurance companies
- GIC’s : Guaranteed Investment Certificates
- Stocks: Invest money in a publicly traded company like Apple or Microsoft.
- Bonds: You invest by lending money to a company or government, e.g. the government of Canada , of Quebec
- ETF: It is a « basket » that holds different stocks, bonds, etc.
- Real estate : You invest your money in the purchase of a property or in companies that own property
- Entrepreneur : You invest your money in a group of people and a project you trust to generate a business you believe will be successful
Investing on your own demands some effort on your part: you have to learn about all the different options and you also need time to keep a constant eye on the market’s ups and downs.
It is true that with the assistance of AI or automated investing platforms a lot of people feel encouraged to explore the world of investments on their own. But truth be said, this is not everyone’s best option.
Let an advisor guide you.
A professional can help you select the best option
An advisor will be there for you in the long run
to explain the accounts that meet your goals
and recommend the portfolio that matches your risk profile as an investor
RRSP – Your long-term investment with tax benefits
Each contribution reduces your taxes today and grows your capital for the future. Ideal for retirement planning.
TFSA – Tax-free investments
Think of a TFSA when saving for a short to mid-term project or need. A wide range of investment options are offered to diversify growth possibilities.
Segregated funds
Investment accounts for 10 years or more. Money is invested by professional fund managers with a mandate to search for the best returns possible. Segregated funds offer a 75% and 100% guarantee of your investment in the event death occurs during a market downturn.
BENEFITS OF AN INVESTMENT ACCOUNT
Your money grows in value over time
You benefit from the power of compound interest
You diversify your income sources and reduce risk
You access solutions adapted to your goals and profile
You take advantage of tax benefits through registered accounts (TFSA, RRSP, FHSA)
You’re supported by a financial advisor to make informed decisions
FREQUENTLY ASKED QUESTIONS ABOUT INVESTING
What’s the difference between saving and investing?
Saving means setting money aside with low risk and quick access. Investing aims for higher medium- or long-term returns, with a controlled level of risk.
How much do I need to start investing?
You can open an account like TFSA or FHSA with $500 and then make monthly $50 deposits or program the contribution frequency that best suits you.
Can I lose money by investing?
All investments imply a certain risk level, but a good diversification strategy and the guidance of a financial advisor will help you manage it. Investments in a High Interest Savings Account or a GIC (Guaranteed Investment Certificate) are examples of investment options that offer capital protection with minimum risk.
What types of investment account options are available in Canada?
There are two main types: registered and not registered.
Registered means the account is a government-approved account registered with the CRA (Canada Revenue Agency) that offers tax advantages and follows a specific set of rules.
When is the best time to invest?
The best time is now!
Starting early allows time and compound interest to work in your favor — even with small amounts.
YOUR FINANCIAL SECURITY ADVISOR IS HERE TO HELP
With the right guidance you can manage investment risks
and improve your chances of capital growth
A quick read to learn more
Resources to help you build an investment strategy
- Financial security
- The 3 mistakes that keep you from achieving financial stability (and how to avoid them)
- Saving and investing
- TFSA, RRSP or FHSA: Choose the best account to grow your money in Canada
- Financial security
- Life, Disability or Critical Illness Insurance: Which One Do You Really Need?