The Advisor you can Trust

Few words about...

  • stocks

    Stock typically takes the form of shares of common stock (or voting shares). As a unit of ownership, common stock usually carries voting rights that can be exercised in corporate decisions. Preferred shares differ from common stock in that they typically do not carry voting rights but holders are legally entitled to receive a certain level of dividend payments before any dividends can be issued to other shareholders. Convertible preferred stock is preferred stock that includes an option for the holder to convert the preferred shares into a fixed number of common shares, usually anytime after a predetermined date.

  • bonds

    A bond is simply a loan in the form of a security with different terminology. The issuer is equivalent to the borrower, the bond holder to the lender, and the coupon to the interest.

  • mutual funds

    A mutual fund is a professionally-managed firm of collective investments that collects money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities. In a mutual fund, the fund manager, who is also known as the portfolio manager, trades the fund's underlying securities (stocks, bonds, cash etc) aiming to increase the value for the unitholders. The value of a unit of the mutual fund, known as the net asset value per unit (NAV), is usually calculated daily based on the total value of the fund divided by the number of units currently issued and outstanding.

  • personal insurance

    Life insurance, critical illness, disability insurance

  • flow through shares

    These shares are issued by oil and mineral exploration companies who pass the tax breaks for exploration onto investors. Extremely interesting tax advantages! Up to 143% deduction in Quebec!

  • principle protected notes

    At the heart of a PPN is a guarantee. Typically, PPNs guarantee 100% of invested capital, as long as the note is held to maturity. That means, at maturity, regardless of market conditions, investors receive back all money they invested. In other words, at maturity, payout on the Note is the original principal plus any appreciation from the underlying assets (typically a mutual fund or group of funds, an index or basket of equities, and sometimes hedge funds or even commodities.

  • segregated funds

    A segregated fund is an investment fund that you hold within an insurance contract. The term “segregated” refers to the fact that your investment is separated from the general assets of the insurance company. Your insurance contract dictates the insurance protection you receive. So segregated funds are an insurance contract that provides you investment management plus protection against loss of the principle amount.

  • IncomePlus

    • Predictable income guaranteed not to decrease no matter how investments perform
    • Sustainable income that will last for life
    • Potentially increasing guaranteed income to help offset inflation
    • The flexibility to change your investment or access your savings at any time
    • Tax-efficient income when held in a non-registered account
    • Benefits that ensure the smooth transition of your estate
    • Potential creditor protection

Disclaimers

 

Valeriu Sorin Novac and Manulife Securities Incorporated and Manulife Securities Insurance Inc. ("Manulife Securities") do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Valeriu Sorin Novac or Manulife Securities. The information in this communication is subject to change without notice. 

This material is not to be construed as an offer or solicitation. The securities mentioned may not necessarily be considered suitable investments for all clients. Contact your Investment Advisor to discuss your individual investment needs. 

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product or Service is not eligible for sale.  Details are available on request.

Insurance products and services are offered through Manulife Securities Insurance Inc. (a licensed life insurance agency and affiliate of Manulife Securities) by Manulife Securities Advisors licensed as life agents.

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.

There are a number of risks associated with an investment. Investors should refer to each Partnership’s offering documents for details. Important information about this offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should review the prospectus carefully, and consult your Advisors, including tax Advisors, before making an investment decision. This material does not constitute an offer to sell or a solicitation to buy any security. Such an offer can only be made by prospectus.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

The Manufacturers Life Insurance Company is the sole issuer  of the Manulife GIF Select insurance contract which offers the IncomePlus benefit and is the guarantor of any guarantee provisions therein.
Exceeding the withdrawal thresholds may have a negative impact on future payments.  The Lifetime Withdrawal Amount becomes available January 1st of the year the annuitant turns age 65. Other conditions may apply.
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value.
 


 Please contact us anytime! We look forward to hearing from you.

The highest compliment my friends and clients can give me is the referral of their friends, family and business associates.