Products We Provide
Investments | GIC - Guaranteed Investment Certificates | Annuities | Segregated Funds | Mutual Funds | Stocks | Bonds | ETF - Exchange Traded Fund | Life Insurance | Disability Insurance
If you are considering RRSPs, RRIFs, TFSAs (Tax-Free Savings Account), non-registered savings accounts or high interest bank accounts there are many investment vehicles available through several companies to help you achieve your savings goals. At D.R. Johnson Financial Services Inc. we can help you determine your risk tolerance and choose the investments that meet your goals and needs.
GIC - Guaranteed Investment Certificates
GICs, in their most basic form, are low risk investments that can provide a guaranteed interest rate over a fixed period. GICs are the perfect vehicle for some short-term savings goals and offer a higher rate of return than your typical savings account.
Annuities are insurance-based contracts that add stability and security to an investor’s portfolio by providing reliable income. These contracts are purchased from insurance companies and are available with a variety of options to meet an investor’s specific needs. Segregated Funds Segregated funds are an investment option that can provide the growth potential of market-based investments with the additional benefits of insurance protection in the form of guarantees. These guarantees offer an additional layer of security relative to mutual funds.
Segregated funds are an investment option that can provide the growth potential of market-based investments with the additional benefits of insurance protection in the form of guarantees. These guarantees offer an additional layer of security relative to mutual funds.
A mutual fund is a professionally managed investment vehicle made up of a collection of stocks, bonds & other securities owned by a pool of investors. The pooling of these funds can provide a higher level of diversification otherwise not available.
A stock is a portion of the ownership of a company which was issued to raise capital for that company. Stocks offer growth and income potential with varying levels of risk that can help reach long term savings goals.
A bond is a type of loan issued by a corporation or government when they are looking to raise capital for a pre-determined period. Bonds are widely considered safer than stocks and are often used in a well-diversified portfolio.
ETF - Exchange Traded Fund
An ETF is a lot like a mutual fund except it can be bought and sold anytime throughout the day on a stock exchange at a market determined price. ETFs are an excellent way to offer exposure to specific asset classes in a cost effective way.
Life insurance pays a lump sum of money to a named beneficiary upon the death of the insured person. It can provide funding for a variety of family, business or individual needs. There are several types of products to choose from to meet both your long term and short-term needs.
Disability insurance provides a monthly income if you become disabled and can’t work. There are products available for full-time, part-time or home-based workers. Even if you have coverage through your employer or an association, a personally owned plan can help supplement that coverage or protect additional income.