Your investmentadvisor

Investments are tools that put your hard-earned money to work while you sleep. There are a variety of different products to achieve your goals and it is not always easy to choose the best combination of products to maximize your investment. Certain tools such as TFSAs, RRSPs and income splitting can also help you avoid paying more tax than you should.

Whether you are a beginner or an expert in financial investing, we can help you determine the right strategy to adopt to achieve your goals. Villeneuve Wealth Management has a team of financial security advisors to help you make the right choices for your investments and planning for your retirement. We also have a partnership with a financial planner to offer you the best financial services.

RRSP

RESP

TFSA

FHSA

RDSP

Unregistered
plans

RRSP

The RRSP, or Registered Retirement Savings Plan, is an investment account that allows you to put money aside for your retirement, while benefiting from tax advantages. RRSP contributions are tax deductible, but earnings are deferred and therefore withdrawals are taxable. It is possible to use your RRSP to purchase your first home, with the HBP, or the Home Buyers’ Plan. You can read the following article (available in French only) to find out more about investing in an RRSP when you already contribute to a group plan at work.

RESP

The RESP, or Registered Education Savings Plan, is an ideal vehicle for saving for your children’s education. Indeed, although contributions to an RESP are not tax deductible, income within the RESP grows tax-free. In addition, the Canadian government offers very attractive grants when you contribute to an RESP for your children’s post-secondary education. When funds are used for education, withdrawals are taxed at the student’s tax rate, which is generally low.

TFSA

As its name suggests, the TFSA, or Tax-Free Savings Account, is an investment account that allows individuals to grow their savings tax-free. The income generated is tax-free, even when withdrawn, which allows great flexibility of use for your medium or long-term projects. To better understand how the TFSA differs from the RRSP, you can read this article (available in French only).

FHSA

The FHSA (First Home Savings Account) is a registered plan allowing you to save for the purchase of your first property tax-sheltered.

RDSP

The RDSP, or Registered Disability Savings Plan, is a long-term savings program for people with disabilities. It allows eligible people to put money aside to meet their future needs. Although contributions to the RDSP are not tax deductible, investment income within the plan is tax free until withdrawn. Additionally, eligible beneficiaries can receive government grants to increase their savings.

Unregistered
plans

Also called open plans, these savings plans do not offer tax advantages. We therefore generally use them when we have maximized the other types of saving plans. Please feel free to contact us to discuss available options.

Fixed income

Mutual funds

Exchange
traded funds

Actions

Fixed income

Fixed income investments include GICs (Guaranteed Investment Certificates), bonds and Treasury bills. These are low-risk investments that guarantee a fixed interest rate over a period of time, ranging from a few months to several years. Although the returns are often more modest than for other types of investments, they offer appreciated stability and security, because the invested capital is protected. This makes it a popular option for those looking to avoid market fluctuations while earning a secure and predictable income on their savings.

Mutual funds

The common fund, or mutual fund, is a collective investment vehicle managed by professionals. It pools money from multiple investors to purchase a variety of assets such as stocks, bonds, or money market instruments. Mutual funds offer instant diversification, professional management and the ability to invest in different sectors and markets. Returns and risks are shared among investors.

Exchange
traded funds

Exchange-traded funds (ETFs) are financial instruments that allow investors to purchase diversified baskets of assets that are traded on exchanges, such as stocks, bonds or commodities. The advantages of ETFs include their high liquidity and instant diversification, thereby reducing the risks of holding individual assets. Additionally, they generally have lower management fees compared to traditional mutual funds.

Actions

Stocks represent ownership shares in a company. By investing in stocks, you can benefit from stock price appreciation over time and dividend distributions. Stocks also offer high liquidity, since it is possible to buy or sell the shares easily on stock markets. By diversifying your stock investments, you can spread risk and maximize your potential returns.

Our role is first and foremost to evaluate your situation, your investor profile and your financial objectives in order to offer you the financial investments that will allow you to achieve your objectives. RRSP or TFSA, registered education savings plan (RESP), mutual funds, guaranteed investment certificates (GIC), bonds and stocks are all terms that we can demystify with you, according to your needs. But first let’s start with this analysis…

Financial situation

Balance sheet of your finances
(assets / liabilities)
Budget
Investments
Debt management

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Financial goals

What are the goals of your savings?

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Investor profile

What types of investments match your personality the most?

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Investment horizon

How soon will you need your investments?

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Before offering you investments, our advisor will check your financial situation by asking you questions such as:

Do you have an emergency fund?
Do you have any debts and what are their interest rates?
What is your employment situation?

Some alternatives, such as paying off debt or getting life insurance, may be more advantageous for you. If this is not your case, we will guide you in selecting the right investment vehicle based on your goals.

In order to suggest investments according to your needs, it will be necessary to determine which are they! To do this, our collective savings representative will discuss the following points with you:

When will you need to withdraw these investments? (1,5,10,35 years)
Should the invested capital be protected?
What is the purpose of the placement? (retirement, buying a first home, cottage, travel)
At what age do you want to retire?

Each individual is different and the investor profile is just as different. We will take the time to get to know you by asking you a few questions. Here are some examples of questions we will ask you:

What is your level of financial knowledge?
What type of investment are you considering?
What is your financial capacity?
What is your attitude towards risk?

Based on your answers, we will be able to determine your investor profile:

Very cautious investor
Cautious investor
Balanced investor
Investor looking for growth
Dynamic investor

Your investment horizon is the time during which you will save. Depending on your goals, this horizon will change. Here are some examples :

Traveling – 1-5 years
Down payment to buy a home – 5-10 years
Buy a new car – 3-5 years
Pay your child’s school fees – 5-10 years old
Retire – 10 years +

Depending on your investment horizon, your savings capacity and your plans, we will select investments to help you achieve your goals.

Valeur finale / Final value -

Année / Year	Montant de départ / Starting Amount	Contribution annuelle / Annual Contribution	Contribution totale / Total Contribution	Rendement / Return	Rendement totaux / Total returnEarned	Solde accumulé / End Balance

Alexandre is very easy to talk to and has exceptional organizational skills and attention to detail. He is responsive and always willing to answer any questions I have, helping me in achieving my financial goals. I recommend Alexandre to anyone seeking an independent, competent, and dedicated partner in managing their finances.

Tatjana

Client

(translated from French)
I would recommend to a friend looking for financial services.

Louis-Philippe Thauvette

Client

(translated from French)
Mr. Villeneuve always takes the time to explain his recommendations and he always makes sure that we understand. He knows how to put us at ease.

Cathalina Armbruster

Client

Mr. Villeneuve was very professional and human. His goal is truly to help people improve their financial situation. He was able to clearly explain the importance of investing and I felt his approach was personalized. I therefore recommend it for anyone who would like to start investing or improve their financial situation.

Pierre-Olivier Tremblay

client

Mr. Villeneuve helped me understand how to invest my money so that I could save for my future. He is reassuring and explains well what needs to be done.

Rosalie Ferri

client

Alexandre inspires confidence. Professional and attentive. His advice is objective and personalized. I recommend it without hesitation.

Andrew Lapointe

client

Very satisfied. I highly recommend. He took the time needed to find the true needs of our family and our wallet. The service is very human and our questions were all answered clearly.

Alyssa Beaudoin

client

Alexandre knew how to direct my investments into the right investment portfolio. I recommend his personalized advice to everyone.

Marco Ferri

client

Alexandre is a dynamic and very competent young professional who listens to his clients, I always trust him

Michel Pigeon

client

Your investmentadvisor

Make your money grow while you sleep

Financial investments

Types of Savings Plans Available

Types of investments