{"id":7530,"date":"2021-03-01T16:20:37","date_gmt":"2021-03-01T20:20:37","guid":{"rendered":"https:\/\/finvest.ca\/?page_id=7530"},"modified":"2026-02-23T22:27:34","modified_gmt":"2026-02-24T02:27:34","slug":"investissements","status":"publish","type":"page","link":"https:\/\/finvest.ca\/en\/investissements\/","title":{"rendered":"Investments"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #ffffff;background-position: center center;background-repeat: no-repeat;box-shadow: 10px 0px 0px ;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1000px) {.fusion-title.fusion-title-1{margin-top:0px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:0px;margin-right:0px;margin-bottom:30px;margin-left:0px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">Investments<\/h3><\/div><div class=\"fusion-text fusion-text-1\"><h4>Depending on your age, your family and financial situation and your life goals, we are able to offer you the right investment product at the right time in your life.<\/h4>\n<p>Whether it is an RRSP in preparation for a HBP to buy your first home, a fund for your children's education, a savings plan to defray the costs of a trip and, above all, a strategy to prepare for your retirement.<br \/>\n\u00c9tant rattach\u00e9 \u00e0 Investia services financiers, une filiale de l\u2019Industrielle- Alliance, nous avons acc\u00e8s non seulement \u00e0 leurs produits d\u2019investissement, mais \u00e0 ceux de la majorit\u00e9 des entreprises offrant des v\u00e9hicules de placements.<br \/>\nAvec nous, vous aurez toujours un portrait clair et pr\u00e9cis de l\u2019\u00e9volution de vos investissements, de leur rendement et bient\u00f4t aux frais rattach\u00e9s \u00e0 leur d\u00e9tention.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:2;margin-top:30px;margin-bottom:30px;width:100%;\"><div class=\"fusion-separator-border sep-shadow\" style=\"background:radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-webkit-radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-moz-radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-o-radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1000px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #ffffff;background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-tabs fusion-tabs-1 clean vertical-tabs icon-position-left\"><style type=\"text\/css\">#wrapper .fusion-tabs.fusion-tabs-1.clean .nav-tabs li a.tab-link{border-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .nav-tabs li a.tab-link{background-color:#0d1422;}.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:focus{background-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .nav-tabs li a:hover{background-color:#c5a458;border-top-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .tab-pane{background-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .nav,.fusion-tabs.fusion-tabs-1 .nav-tabs,.fusion-tabs.fusion-tabs-1 .tab-content .tab-pane{border-color:#c5a458;}<\/style><div class=\"nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-dbd19fd1c6ea39e2eda\" aria-selected=\"true\" id=\"fusion-tab-fondscommunsdeplacements\" href=\"#tab-dbd19fd1c6ea39e2eda\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Mutual funds<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-6a3e2b82e389d66c94e\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-fondsdistincts\" href=\"#tab-6a3e2b82e389d66c94e\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Segregated funds<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-17a2acffb967bb23d19\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-cpg\" href=\"#tab-17a2acffb967bb23d19\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>CPG<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-d59aab74d9bf3291dea\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-pr\u00eatsleviers\" href=\"#tab-d59aab74d9bf3291dea\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Leverage loans<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-97bbdf07b75a1d893ff\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-r\u00e9gimeenregistr\u00e9d\u2019\u00c9pargne\u00c9tude(re\u00c9\u00c9)\" href=\"#tab-97bbdf07b75a1d893ff\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Registered Education Savings Plan (RESP)<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a2385c54e191b4f9e3b\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-r\u00e9gimeenregistr\u00e9d\u2019\u00c9pargneinvalidit\u00e9(re\u00c9i)\" href=\"#tab-a2385c54e191b4f9e3b\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Registered Disability Savings Plan (RDSP)<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-dbd19fd1c6ea39e2eda\" aria-selected=\"true\" id=\"mobile-fusion-tab-fondscommunsdeplacements\" href=\"#tab-dbd19fd1c6ea39e2eda\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Mutual funds<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-fondscommunsdeplacements\" id=\"tab-dbd19fd1c6ea39e2eda\">\n<p>Mutual funds are an amalgamation of publicly traded stocks. For example, 2% of Bell Canada, 3% of Royal Bank, 1% of Air Canada, etc.<\/p>\n<p>The capital is never guaranteed. The higher the expected gain of the fund, the greater the risk of a decrease in capital. However, the volatility of a fund is generally lower than that of each of its constituent stocks.<\/p>\n<p>There are Canadian, American, global, specific sector, small and large capitalization funds.<\/p>\n<ul style=\"list-style-type: square;\">\n<li class=\"fancy-text\">How to choose among these thousands of funds? We start by understanding your investment objectives, we establish your tolerance for risk and beyond, we constitute one or more portfolios accordingly. Next, we present you the historical returns associated with similar portfolios.<\/li>\n<\/ul>\n<p>Remember that mutual funds are not guaranteed and their market value fluctuates with the markets.<\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-6a3e2b82e389d66c94e\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-fondsdistincts\" href=\"#tab-6a3e2b82e389d66c94e\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Segregated funds<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-fondsdistincts\" id=\"tab-6a3e2b82e389d66c94e\">\n<p>A segregated fund is a mutual fund to which insurance against loss of capital has been grafted. For example, if you die in two years, your heirs will at least regain your initial investment, even if the fund has decreased in value. A stock market guarantee is also very common. This is a guarantee that the value of the amount after a period of time (for example at the age of 65, or after 10 years) cannot be less than the capital initially invested.<\/p>\n<p>The segregated fund is considered an insurance product because of the collateral associated with it. It is only at maturity and in the event of death that the capital guarantee applies.<\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-17a2acffb967bb23d19\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-cpg\" href=\"#tab-17a2acffb967bb23d19\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>CPG<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-cpg\" id=\"tab-17a2acffb967bb23d19\">\n<p>The GIC is the safest form of investment because the capital is guaranteed. Unfortunately the yield is generally low. Currently, it is around 1% on an annual basis.<\/p>\n<ul style=\"list-style-type: square;\">\n<li class=\"fancy-text\">There are several types of GICs, fixed return, variable return, simple interest, compound interest, redeemable or non-redeemable investment. In any case, you are guaranteed to get back your invested capital, but the return will generally be very low!<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-d59aab74d9bf3291dea\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-pr\u00eatsleviers\" href=\"#tab-d59aab74d9bf3291dea\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Leverage loans<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-pr\u00eatsleviers\" id=\"tab-d59aab74d9bf3291dea\">\n<p>The leveraged loan consists in contracting a loan and investing the amount received on the markets. This strategy works when the return earned after tax is greater than the cost of borrowing (loan rate). However, this approach is not suitable for many people, as it involves owning a portfolio made up of 100% growth stocks. Before increasing his risk through leverage, the investor should consider whether he would be able to repay his loan in the event that the markets experience a sharp period of decline as in 2008.<\/p>\n<p>The risk associated with the use of leverage is therefore higher than that taken by an investor who uses only the cash at his disposal.<\/p>\n<p>Borrowing to invest is not suitable for everyone. You should be fully aware of the risks and benefits associated with using borrowed money to invest since losses as well as gains may be magnified.<\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-97bbdf07b75a1d893ff\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-r\u00e9gimeenregistr\u00e9d\u2019\u00c9pargne\u00c9tude(re\u00c9\u00c9)\" href=\"#tab-97bbdf07b75a1d893ff\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Registered Education Savings Plan (RESP)<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-r\u00e9gimeenregistr\u00e9d\u2019\u00c9pargne\u00c9tude(re\u00c9\u00c9)\" id=\"tab-97bbdf07b75a1d893ff\">\n<p>Whether you want to save money for your kids, grandchildren, a niece, nephew, or a family friend, one of the best ways to save for a child's post-secondary education is to invest in a registered education savings plan<b>\u00a0<\/b>(RESP). An RESP combines flexibility, tax-sheltered investment growth and a direct government subsidy to help you save for a child's education.<\/p>\n<ul style=\"list-style-type: square;\">\n<li class=\"fancy-text\">amille, one of the best ways to save for a child's post-secondary education is The investment income and the capital gain that accumulates in it remains tax-sheltered as long as it is in the plan. is investing in a registered education savings plan<\/li>\n<\/ul>\n<p>The Canada Education Savings Grant (CESG) can reach $ 7,200 per child. The Quebec subsidy can reach $ 3,600.<\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a2385c54e191b4f9e3b\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-r\u00e9gimeenregistr\u00e9d\u2019\u00c9pargneinvalidit\u00e9(re\u00c9i)\" href=\"#tab-a2385c54e191b4f9e3b\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Registered Disability Savings Plan (RDSP)<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-r\u00e9gimeenregistr\u00e9d\u2019\u00c9pargneinvalidit\u00e9(re\u00c9i)\" id=\"tab-a2385c54e191b4f9e3b\">\n<p>The Registered Disability Savings Plan (RDSP) is designed to help parents and others accumulate savings for the long-term financial security of a person with a disability.<\/p>\n<ul style=\"list-style-type: square;\">\n<li class=\"fancy-text\">To be eligible for the RDSP, a person must benefit from the disability tax credit. Only a doctor qualified in this field can attest to this by signing the T2201 form.<\/li>\n<\/ul>\n<p>There is no limit to the contributions that can be made annually to an RDSP. However the lifetime limit is $ 200,000. Contributions are allowed until the end of the year in which the beneficiary turns 59.<\/p>\n<p>Contributions to an RDSP are not tax deductible. However, the Canadian government may pay the beneficiary's (disabled person's) RDSP an amount ranging from 100% to 300% depending on the contribution made and the beneficiary's family income.<\/p>\n<p>An RDSP can receive, as a grant, over the course of a year, up to a maximum of $ 3,500. The lifetime grant limit is $ 70,000. A grant can be made into an RDSP for a contribution made to the beneficiary's RDSP until December 31 of the year the beneficiary turns 49.<\/p>\n<\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1000px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body 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src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 320px; --smush-placeholder-aspect-ratio: 320\/202;\" \/><\/a><\/div><\/div><\/li><li class=\"fusion-carousel-item\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/investia.ca\/accueil\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"320\" height=\"202\" data-src=\"https:\/\/finvest.ca\/wp-content\/uploads\/2021\/02\/Finvest_Investia-320x202.png\" class=\"attachment-blog-medium size-blog-medium lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 320px; --smush-placeholder-aspect-ratio: 320\/202;\" \/><\/a><\/div><\/div><\/li><li class=\"fusion-carousel-item\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.institutpf.org\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"300\" height=\"84\" data-src=\"https:\/\/finvest.ca\/wp-content\/uploads\/2026\/02\/Institut_Planification_Financiere_Logo.jpg\" class=\"attachment-blog-medium size-blog-medium lazyload\" alt=\"\" data-srcset=\"https:\/\/finvest.ca\/wp-content\/uploads\/2026\/02\/Institut_Planification_Financiere_Logo-200x56.jpg 200w, https:\/\/finvest.ca\/wp-content\/uploads\/2026\/02\/Institut_Planification_Financiere_Logo.jpg 300w\" data-sizes=\"(min-width: 2200px) 100vw, (min-width: 856px) 266px, (min-width: 784px) 355px, (min-width: 712px) 533px, (min-width: 640px) 712px,\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/84;\" \/><\/a><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1000px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-3{ padding-top : 10px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : -50px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #0d1422;background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-tabs fusion-tabs-2 clean horizontal-tabs icon-position-left\"><style type=\"text\/css\">#wrapper .fusion-tabs.fusion-tabs-2.clean .nav-tabs li a.tab-link{border-color:rgba(255,255,255,0);}.fusion-tabs.fusion-tabs-2 .nav-tabs li a.tab-link{background-color:#0f1523;}.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:focus{background-color:rgba(255,255,255,0.25);}.fusion-tabs.fusion-tabs-2 .nav-tabs li a:hover{background-color:rgba(255,255,255,0.25);border-top-color:rgba(255,255,255,0.25);}.fusion-tabs.fusion-tabs-2 .tab-pane{background-color:rgba(255,255,255,0.25);}.fusion-tabs.fusion-tabs-2 .nav,.fusion-tabs.fusion-tabs-2 .nav-tabs,.fusion-tabs.fusion-tabs-2 .tab-content .tab-pane{border-color:rgba(255,255,255,0);}<\/style><div class=\"nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e39d52275fa612338f2\" aria-selected=\"true\" id=\"fusion-tab-assurance\" href=\"#tab-e39d52275fa612338f2\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Insurance<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-5a09176f1dabee8ba70\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-placementsgarantis\" href=\"#tab-5a09176f1dabee8ba70\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Guaranteed investments<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a81e4c5f43bf068266d\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-fondsdistinct\" href=\"#tab-a81e4c5f43bf068266d\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Segregated fund<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-62a6157b7702557f8ed\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-fondsmutuels\" href=\"#tab-62a6157b7702557f8ed\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Mutual funds<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e39d52275fa612338f2\" aria-selected=\"true\" id=\"mobile-fusion-tab-assurance\" href=\"#tab-e39d52275fa612338f2\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Insurance<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assurance\" id=\"tab-e39d52275fa612338f2\">\n<p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Insurance products are offered through several general agents. Finvest distributes the insurance products of several insurance companies.<\/span><\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-5a09176f1dabee8ba70\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-placementsgarantis\" href=\"#tab-5a09176f1dabee8ba70\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Guaranteed investments<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-placementsgarantis\" id=\"tab-5a09176f1dabee8ba70\">\n<p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Guaranteed investments are offered through Investia Financial Services Inc. and \/ or several general agents.<\/span><\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a81e4c5f43bf068266d\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-fondsdistinct\" href=\"#tab-a81e4c5f43bf068266d\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Segregated fund<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-fondsdistinct\" id=\"tab-a81e4c5f43bf068266d\">\n<p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Segregated fund products are offered through Investia Financial Services Inc. and \/ or several general agents. Subject to any guarantee applicable to the death benefit, any part of the premium, or any other sum allocated to a segregated fund, is invested at the risk of the policy holder and its value may increase or decrease according to fluctuations in value. market of the assets of the segregated fund.<\/span><\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-62a6157b7702557f8ed\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-fondsmutuels\" href=\"#tab-62a6157b7702557f8ed\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Mutual funds<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-fondsmutuels\" id=\"tab-62a6157b7702557f8ed\">\n<section id=\"top-bottom\"><small>Investing in a mutual fund may give rise to brokerage fees, trailing commissions, management fees and other expenses. Please read the prospectus before investing. Investments in mutual funds are not guaranteed, their values \u200b\u200bfluctuate often and their past performance is not indicative of their performance in the future. Mutual funds are offered exclusively through mutual fund representatives registered with Investia Services Financiers Inc. (Investia), and Investia does not provide or distribute any advice or product other than that directly related to the sale of mutual funds. . If the representative provides or offers other advice or services, he must hold the necessary permits and deal with entities (other than Investia) duly registered with the competent authorities. Mutual fund products are offered through Investia Services Financiers Inc.<\/small><\/section>\n<section id=\"bottom\">\n<div class=\"bottom_inner\">\n<div class=\"one_third\">\n<aside id=\"text-2\" class=\"widget widget_text\">\n<div class=\"textwidget\"><\/div>\n<\/aside>\n<\/div>\n<\/div>\n<\/section>\n<\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-3{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-3 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1000px) {.fusion-body .fusion-builder-column-3{width:100% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-3{width:100% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-4{ padding-top : 80px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : -100px;padding-left : 0px;}<\/style><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-7530","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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