Investment Planning

At SG Wealth Management, we redefine investment planning with a commitment to excellence, delivering bespoke strategies that empower individuals, families, and businesses to achieve their financial aspirations.

As a premier wealth management firm in Canada, our certified team leverage deep expertise to craft diversified portfolios, optimize tax-advantaged accounts, and implement sophisticated risk management techniques.

Type of
Investment Products

● Mutual Funds – These are pooled investments managed by professionals, combining money from multiple investors to purchase a diversified mix of stocks, bonds, or other assets. Mutual funds offer broad market exposure, making them suitable for those seeking diversification without managing individual securities. They vary in risk and focus, from conservative bond funds to growth-oriented equity funds.

● ETFs – ETFs are portfolios of assets traded on stock exchanges, similar to stocks. They provide diversification by tracking indices, sectors, or commodities, often at lower costs than mutual funds. ETFs offer flexibility, as they can be bought or sold throughout the trading day, appealing to investors seeking cost-efficient market exposure.

● GICs – GICs are fixed-term deposits issued by banks or insurers, offering a guaranteed return of principal and a fixed interest rate. Often insured by the Canada Deposit Insurance Corporation (CDIC), GICs are a low-risk option for investors prioritizing capital preservation over high returns.

● Segregated Funds – Offered by insurance companies, segregated funds combine the growth potential of investment funds with insurance protections, such as principal guarantees (typically 75–100% at maturity or death). They also provide estate-planning benefits, like bypassing probate when beneficiaries are named, making them useful for wealth transfer.

● Corporate Investment Accounts – These non-registered accounts allow businesses to invest surplus cash in diversified portfolios, such as stocks, ETFs, or bonds, within the corporate structure. They offer flexibility for managing corporate funds and can provide tax-timing advantages, such as retaining earnings in high-income years for withdrawal in lower-income years.

Tax-Advantaged
Investment Accounts

● RRSP (Registered Retirement Savings Plan) – RRSPs allow Canadians to invest pre-tax income for retirement, with contributions being tax-deductible and growth tax-sheltered until withdrawal. They are designed to support long-term savings for retirement planning.

● TFSA (Tax-Free Savings Account) – TFSAs offer tax-free growth and withdrawals, making them versatile for any savings goal, such as emergency funds, home purchases, or travel. Available to Canadians 19+, TFSAs provide flexibility without tax implications on earnings.

● RESP (Registered Education Savings Plan) – RESPs help families save for a child’s post-secondary education, offering tax-deferred growth and access to government grants like the Canada Education Savings Grant. They are a strategic tool for education planning.

● RDSP (Registered Disability Savings Plan) – RDSPs support long-term savings for individuals with disabilities, providing tax-free growth and government grants or bonds. Contributions are not tax-deductible, but the plan enhances financial security through matched contributions.

The Power of Diversification – Diversification involves spreading investments across different asset classes (e.g., stocks, bonds, cash) and sectors to reduce risk. By not relying on a single investment, you can lower volatility and create a more stable portfolio. For example, a mix of equities and bonds can balance growth potential with stability, as these assets often move inversely.

Managing Investment Risk - Protecting and Optimizing Investments covers methods to mitigate risk, such as strategic asset allocation and regular portfolio rebalancing. Emphasizes that proper asset mix can “help decrease your risk while still allowing you to grow your portfolio” td.com and cushion against market downturns (for example, the inverse relationship between stocks and bonds can buffer losses td.com).

Risk Management & Diversification

Investor Profiles & Strategies

● Conservative Investor Profile – Focused on preserving capital, these investors prefer low-risk options like GICs, bonds, or dividend-paying blue-chip stocks. The goal is steady income with minimal fluctuations.

● Balanced Investor Profile – Seeking a mix of growth and stability, balanced investors combine equities and fixed-income assets. This approach suits medium-term goals, accepting moderate volatility for higher returns.

● Growth-Oriented Investor Profile – Aiming for long-term capital appreciation, growth investors favor equity-heavy portfolios, including stocks or emerging markets. They accept higher volatility for the potential of greater gains over time.

Investment Services by Client Type

Investment Planning for Individuals

We help individuals plan for milestones like homeownership, career growth, or retirement. Our advisors provide insights into investment options and strategies, tailoring plans to your personal aspirations and life stages.

Investment Planning for Families

Families benefit from coordinated strategies to support education, major purchases, or multi-generational wealth. Options like RESPs, joint accounts, or spousal RRSPs help secure your family’s financial foundation.

Investment Planning for Businesses

Business owners can explore corporate investment accounts to manage surplus funds or align business and personal financial plans. These strategies support cash flow, tax efficiency, and long-term growth.

Legacy Wealth Accounts

Legacy-focused investing uses tools like segregated funds or beneficiary designations to streamline wealth transfer. These options can simplify inheritance, offer creditor protection, and ensure your wealth benefits future generations.