An investment factor is a characteristic relating a group of securities and explains to a large degree, the risk and return of those securities.  Download my White Factor Based Investing to learn about factor based investing and why you should consider factor based ETFs as an altnernative to mutual funds.

Increase Your Probability of Investment Success

If you have modest investment return goals of 4%-8% annually, consider structured notes and factor based ETFs; tools designed to achieve your return goals with a higher degree of confidence than mutual funds or index funds.

Dowload my white paper Meeting Your Return Goals With More Confidence to learn more.

A registered disability savings plan (RDSP) is a savings plan that is intended to help parents and others save for the long term financial security of a person who is eligible for the disability tax credit (DTC). For more information please see the CRA page on RDSPs.

Most investors need to save for a future retirement. Most likely you are aware of RRSPs, TFSAs, and their benefits and limitations. If you have a time horizon of 10 years or more before you plan to take income from your investments, potentially better way to tax-efficiently reach your savings goals. You can read more about this strategy on the B2B Bank Page on Borrowing to Invest.  Potential benefits of this strategy include:

  • Tax deductible interest
  • Your lump sum investment  compounds from the date of investment,  rather than waiting to build your savings with a traditional strategy.
  • Reach financial goals faster

Contact me today at 250.412.3499 or This email address is being protected from spambots. You need JavaScript enabled to view it. to discuss whether an investment loan program would help you achieve your financial goals.

Structured Note Issuers

These are the structured note issuers in Canada that frequently have notes available for purchase from Industrial Alliance Securities Inc. Please keep in mind not all notes are suitable for all investors, and these links are not recommendations for any particular note or note issuer. This information is provided for educational purposes. If you are interested in learning more about structured notes or the suitability of a particular issue, please contact me.

All external links are being provided as a courtesy only and we are not responsible for the completeness or accuracy of any information available there, nor any technical issues arising from your visit to these sites. By leaving our website to visit these links, you assume complete responsibility for your web experience.

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Related to tax reduction