Investment consulting in Calgary with BOSI Financial.

Protect and build your capital for today and tomorrow.

Segregated funds are mutual funds with guarantees. This large pool of funds is invested in stocks and securities.

Segregated Funds

Segregated funds are mutual funds with guarantees. The guarantees can be 75% - 100% of your initial investment and can be protected by creditors.

In the majority of cases, Canadian insurance companies issue segregated funds specifically for Canadians. These funds are not traded in the public market.

An investor can choose a segregated fund based on the investment objective and terms of the product. As such, segregated funds have numerous offerings and vary by purpose and investment options.

Segregated funds are designed to payout the investor a minimum amount, even if the underlying asset loses money.

Did You Know? Segregated funds possess benefits that mutual funds do not. A segregated fund contract can offer income guarantees. No need to worry about the market! Name your beneficiary of choice and, if desired, bypass your estate in the event of death. Segregated funds may protect funds against credit seizure.

Immediate Annuity

An immediate annuity can be an ideal choice for individuals and couples looking to build a secure investment fund that brings a return throughout their lifetime. Take comfort in knowing that monthly annuity payments will continue to deliver a return when the global market is in a boom or bust cycle.

An immediate annuity can bring a guaranteed future income, making it a robust investment and retirement option. The immediate annuity also locks in your invested fund. You will not be able to withdraw invested funds for a ‘rainy day’ or emergency, nor can they be passed on to your heirs. It is a crucial decision to understand how much of your wealth you might invest in an immediate annuity.

Real Estate investments

Beyond your primary residence, there are significant opportunities to increase your monthly cash flow. We can help get you started from rental properties, real estate investment trusts, and becoming a private mortgage lender.

When most people consider real estate, they think about owning a property outright. While homeownership can be a valid and valuable investment, other strategies can allow you to leverage your capital significantly. A financial advisor can help you determine which of these strategies could be most beneficial. Our investment consulting will enable us to assess your financial situation, expectations of return, and level of risk.

Purchase a Property.

Purchasing a property is the traditional means of real estate investment and among the most common. Put your money towards a mortgage and homeownership instead of paying a landlord.

Rental Properties.

A rental property can be a stable investment that can earn money from quality tenants while paying down the property’s mortgage. Typically a 20% down payment is required to explore this investment opportunity.

Real Estate Investment Trusts (REIT).

REITs are companies that own and operate income-earning property investments such as commercial real estate. REITs can be publicly traded and can be purchased through our investment advisors. BOSI Financial affiliated partners can provide investment consulting for those interested in expanding their portfolio with a REIT.

Private Mortgages.

When you become a private mortgage lender, you act similarly to a bank. You must be an accredited investor to partake in this investment opportunity. This investment can be high risk.

Take advantage of growing your funds while protecting your estate.

Take advantage of growing your funds while protecting your estate.

We have alternate methods of growing your money tax-free in a corporation or personally. Alternative investments are perfect for investors looking to avoid hitting the investment limit within their small business or maxed out in their RRSP and TFSA. This method allows you to grow your money tax-free and pass it onto your beneficiaries with little to no tax.

There are different ways to achieve returns - either through dividend-paying investments or mutual funds.

Using Insurance as an Investment Vehicle.

Whole Life and Universal Insurance policies, also known as permanent insurance, can last the span of your lifetime. Unlike term life insurance, whole life policies do not expire after a set term. While these policies are more costly, they offer a savings component’s long-term benefit to building your investments.

Among its significant advantages is that the premiums are predictable and designed to stay the same along with your death benefit, unlike variable life insurance, which is affected by market swings.

Did You Know? Whole life policies are tax-deferred instead of a typical non-retirement investment account where interest and dividends are taxed annually.

Permanent insurance proceeds paid to the beneficiary upon the policy holder’s death are generally not taxable, allowing the investment gains to remain intact.

Our financial advisors help you plan for your future goals and needs.

In partnership with a variety of investment advisors, will be able to assist you with opening an investment account. There are many benefits to working with a portfolio manager that include fewer fees, transparent investment information, and reduced investment restrictions.