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Municipal investment plan презентация
Содержание
- 1. Municipal investment plan
- 2. Agenda What Me Save? Guide Saving for
- 3. Saving For Retirement
- 4. Where Retirees Get Their Income Retirement income
- 5. How much do you need for retirement?
- 6. What? Me Save?
- 7. Retirement savings worksheet Hardcopy or online
- 8. Making the most of your plan
- 9. Relationships MFA, Municipality, Plan Members Sun
- 10. Ease of payroll deduction Immediate tax
- 11. Tax benefits of payroll deductions It only
- 12. Management Fees Compared
- 13. The Municipal Investment Plan’s fees range
- 14. Useful for employees with no RRSP room
- 15. You make the contributions
- 17. Things you should know…. Lump Sum Contributions
- 18. Payroll deduction (if municipality opts in)
- 19. Developing Your Investment Strategy
- 20. Investment Types (Asset Classes) Equities (Stocks)
- 21. Growth of $1 (1960 - 2003) Risk Versus Return
- 22. Source: Westcore Funds / Denver Investment
- 23. Timing the Market
- 24. Objective to produce returns that
- 25. Value Manager looking for a bargain
- 26. Buys stock in companies that tend
- 27. Specialty Funds Beutel Goodman Small Cap
- 28. Select ONE balanced fund best suited
- 29. Russell LifePoints ® Conservative Moderate Aggressive
- 30. Investment Risk Questionnaire Hardcopy or online
- 31. Choosing and Monitoring your investments
- 32. So, how do you choose? Completely
- 33. Monitor Your Investments Revisit your strategy
- 34. Stay Informed – Personal Statements Semi-Annual Easy
- 35. Customer Care Centre 1-866-733-8613 Account balances
- 36. Your Next Steps Complete the Investor Risk
- 37. Questions?
Agenda What Me Save? Guide Saving for Retirement Understanding Your Group Plan Developing Your Investment Strategy Monitoring Your Investments
Слайд 2Agenda
What Me Save? Guide
Saving for Retirement
Understanding Your Group Plan
Developing Your
Investment Strategy
Monitoring Your Investments
Слайд 4Where Retirees Get Their Income
Retirement income
Primary
Secondary
Supplementary
CPP/OAS
Home
Other Savings, MFA Non-registered Plan
Municipal Pension
Plan
Personal RRSP, MFA Group RRSP
Слайд 5How much do you need for retirement?
Canadians need 65% to 80%
pre-retirement income replacement.
Pre-retirement income
100%
Retirement income
80%
65%
Слайд 10Ease of payroll deduction
Immediate tax savings (RRSP)
Lifetime eligibility
No front or
back-end fees
No fees to make investment changes
Low investment management fees
No fees to make investment changes
Low investment management fees
Benefits
Слайд 11Tax benefits of payroll deductions
It only costs you $30 to contribute
$50
Save
$20
Contribute
$50
Pay
$30
Слайд 13
The Municipal Investment Plan’s fees range between 1.20% - 2.40%
Lower Fees
Make a Big Difference
Canadian average outside a group plan is 2.50% - 3.00%
Слайд 14Useful for employees with no RRSP room
No maximum contribution limits
Foreign
content limit does not apply
Not tax-sheltered
Taxed on investment earnings each year
Not tax-sheltered
Taxed on investment earnings each year
Non-registered
(Savings Plan)
Слайд 15
You make the contributions
You receive the tax deduction
Your spouse owns the
plan and directs the investments
Money accumulates in your spouse's name
Money accumulates in your spouse's name
Spousal RRSP
Слайд 16
RRSP Spousal Account = Income Splitting
Reasons for spousal account
Your spouse is
in lower tax rate
Your spouse has no retirement savings
You will pay less tax if you have two smaller incomes instead of one large income
Your spouse has no retirement savings
You will pay less tax if you have two smaller incomes instead of one large income
Слайд 17Things you should know….
Lump Sum Contributions and Transfers In Allowed
Lifetime eligibility
(even if your employment changes)
Withdrawals
Withholding tax
Added to your taxable income
RRSP first withdrawal free, $25 each additional
NREG $25 per withdrawal
Withdrawals
Withholding tax
Added to your taxable income
RRSP first withdrawal free, $25 each additional
NREG $25 per withdrawal
Слайд 18Payroll deduction (if municipality opts in)
Lump sum payments
Monthly contributions through the
MFA
Transfer in from other institutions
Transfer in from other institutions
Ways to Contribute
Слайд 20Investment Types
(Asset Classes)
Equities (Stocks)
Ownership in company
Share in company profits
Canadian or
foreign
Bonds (Fixed Income)
Promise to repay debt
Receives interest
Government and corporate
Money Market/Guaranteed
Federal government debt
Short term, less than 1 year
Bonds (Fixed Income)
Promise to repay debt
Receives interest
Government and corporate
Money Market/Guaranteed
Federal government debt
Short term, less than 1 year
Слайд 24
Objective to produce returns that replicate a particular index (e.g.
S&P 500)
No surprises, consistent with market returns
No surprises, consistent with market returns
Passive / Market Oriented
Слайд 25 Value Manager looking for a bargain when buying stocks
May take some time to prove their worth – long term strategy
Tend to outperform during bear markets
Reasonably priced without sacrificing quality
Considered a defensive investment
Tend to outperform during bear markets
Reasonably priced without sacrificing quality
Considered a defensive investment
Value / Long Term Oriented
Слайд 26 Buys stock in companies that tend to grow faster than
others
Technology companies were “growth” stocks over past 5-10 years
Sometimes young companies with high potential
Future growth in earnings is expected
Technology companies were “growth” stocks over past 5-10 years
Sometimes young companies with high potential
Future growth in earnings is expected
Growth Oriented
Слайд 28 Select ONE balanced fund best suited to your objectives
Rebalancing
and foreign content monitored for you
Takes the guess-work out of picking funds
Takes the guess-work out of picking funds
Russell Lifepoints® Funds
Слайд 32So, how do you choose?
Completely hands-on
Create your own asset mix
Convert your
profile into a strategy
Monitor
Rebalance regularly
Monitor
Rebalance regularly
One stop shopping
Answer risk profile questionnaire
Use individual fund sheets
3 LifePoints® Funds
Pick the “one” fund that matches your risk profile
Do it yourself approach
Pre-defined asset mixes
Слайд 33Monitor Your Investments
Revisit your strategy periodically
Will change over time
Rebalance your portfolio
OR choose a balanced fund approach
Keeps your asset mix on track
Sell high, buy low principle
Keeps your asset mix on track
Sell high, buy low principle
Слайд 34Stay Informed – Personal Statements
Semi-Annual
Easy to read
Personal rates of return
Transaction history
Plan
information
Bulletin board
Bulletin board
Слайд 35Customer Care Centre
1-866-733-8613
Account balances
Rates of return
Transfer between funds
Market information
Enrolment assistance
Over 150
languages
Account Access Tools
Internet Access
www.sunlife.ca
Account balances
Lump sum deposits
Transfer between funds
what? me save? guide
Asset allocation
Secure e-mail
Webcast
RRSP receipts
Morningstar
Слайд 36Your Next Steps
Complete the Investor Risk Profile - What? Me Save?
Guide (Pages 20-23)
Review the Investment Fund Pages in your package
Complete the enclosed application form and forward to the MFA
For further assistance contact Meagan at the
MFA at (250) 380-0432 ext 225, or an
investment specialist at the Customer
Care Centre at 1-866-733-8613
Review the Investment Fund Pages in your package
Complete the enclosed application form and forward to the MFA
For further assistance contact Meagan at the
MFA at (250) 380-0432 ext 225, or an
investment specialist at the Customer
Care Centre at 1-866-733-8613
