投资理财 – 星河财富

Investment

Based on your financial goals and circumstances, we assess your risk tolerance and investment preferences to select global investment targets and design personalized asset allocation strategies. Our services encompass diversified asset allocation, retirement planning, trust arrangements, estate planning, and wealth transfer. Wealth management goes beyond investment returns, considering all aspects of your financial operations, including investments, taxes, property, insurance, and inheritance, to maximize returns.

Registered Education Savings Plan (RESP)

The Registered Education Savings Plan (RESP) is a Canadian government initiative designed to encourage parents to save for their children's future post-secondary education. We can help you open an RESP account and develop an investment plan, working together to prepare for your child's tomorrow.

Tax-Free Savings Account (TFSA)

The Tax-Free Savings Account (TFSA) is a registered account that allows Canadian citizens to save and invest money tax-free. With a TFSA, you can convert your savings into eligible investments without having to pay taxes on the investment earnings. We can help you open a TFSA account and create an investment plan to make the most of your TFSA, allowing you to achieve greater wealth accumulation with minimal costs.

Registered Retirement Savings Plan (RRSP)

The Registered Retirement Savings Plan (RRSP) is an investment plan established by the Canadian government that offers tax-deferral and even tax-saving benefits. RRSP accounts can be used for a variety of investment options. We can assist you in opening an RRSP account and tailor an RRSP investment plan to your financial situation and investment objectives.

Segregated Funds

Guaranteed return funds share some similarities with mutual funds, as they allow investors to pool small amounts of money for professional fund management while diversifying these smaller investments across various asset classes, offering the potential for lower risk and higher returns within a mutual framework. Additionally, guaranteed return funds can provide capital protection under certain conditions, safeguarding a portion or even the entire principal amount. This feature can help avoid the complexities and expenses associated with probate proceedings and creditor claims.

First-Time Homebuyer Savings Account (FHSA)

Amidst the escalating housing prices across various regions of Canada, the federal government announced favorable policies for tax-free savings accounts in the 2022 federal budget. Canadian banks began offering this service starting from April 1st of this year.

This account combines some features of the Registered Retirement Savings Plan (RRSP) and the Tax-Free Savings Account (TFSA). Deposits within the account are tax-free, and income earned within the account is also tax-free, provided that the funds withdrawn from the account are used for purchasing a home.

The account has a lifetime limit of $40,000, with an annual contribution limit of $8,000, and any unused portion can be carried forward to the following year. This option is available to first-time homebuyers aged 18 to 71 who reside in Canada, except in provinces where the legal age to sign a contract is 19.