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Day 3 - Investments

Day 3 - Investments. We are National. We are the Best. Together, We are National Best. 4 Types of Investments. Mutual Funds Exempt Market Products Segregated Funds Bank Products. Mutual Funds. Common pool of funds. ___________ Client Initials. Mutual Funds. Common pool of funds

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Day 3 - Investments

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  1. Day 3 - Investments We are National. We are the Best. Together, We are National Best.

  2. 4 Types of Investments • Mutual Funds • Exempt Market Products • Segregated Funds • Bank Products

  3. Mutual Funds • Common pool of funds ___________ Client Initials

  4. Mutual Funds • Common pool of funds • Strict investment guidelines (prospectus) • Daily liquidity • Fund values affected by markets & unit holder participation • Mgmt fees or structure fees reduce performance • Investor’s experience depends on when they got in & out of the fund ___________ Client Initials

  5. Exempt Market Products • Common pool of funds or specific investments • Strict investment guidelines (Offering Memorandum) • Limited or NO liquidity • Asset values affected by markets & management performance • Higher Mgmt fees, structure fees & commissions reduce performance • Includes Hedge Funds, Real Estate Income Trusts, Mortgage Investment Corporations, etc. ___________ Client Initials

  6. Segregated Funds • Contract linked to performance of a diverse pool of funds • Investment guidelines outlined in information folder & contract • Daily liquidity • Fund values affected by markets & unit holder participation • Mgmt, structure & bonus fees reduce performance, may be higher • Assuris guarantees $2000/mo or 85% (whichever is greater) ___________ Client Initials

  7. SegFunds5 – Protect Yourself Against the Down Side $ $ $ 10-15 yrs $ • Maturity Guarantee: 75% or 100% • Death Benefit Guarantee: 75% or 100% • Resets • No Proof of Insurability Needed • Potential for Creditor Protection • Estate Benefits - By-passes probate • $$$ paid directly to beneficiaries within 30 days notice of death • Capital Losses are passed on to investor

  8. Guaranteed Income Products • Guaranteed Minimum Withdrawal Benefits (GMWBs) • Guaranteed Lifetime Withdrawal Benefits (GLWBs) • Deferred Bonus when money not taken in current year

  9. Bank Products • Savings accounts, GICs, term deposits, bankers acceptance notes • GICs & term deposits >5 yrs, and bankers acceptance notes NOT covered by CDIC • CDIC limited to $100K per person, per institution • Liquidity varies, good for short-term • Returns are usually 1-2% below corresponding mortgage rates • Real ROR typically below inflation ___________ Client Initials

  10. 4 Types of Investments • Mutual Funds • Exempt Market Products • Segregated Funds • Bank Products

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