Needed soon
An emergency reserve or upcoming purchase needs ready access and protection from losses you cannot wait to recover. Review withdrawal restrictions as closely as the potential return.
Investment Planning · Ottawa
Give your investments a purpose beyond a return.
Start with what you want your money to make possible, when you’ll need it and the risk you can afford. Then choose a suitable account and investment approach.
Match the money to the moment
Different timelines call for different choices.
A few years away
A home purchase, education cost or career break needs a balance of stability and growth. As the date approaches, review how much uncertainty the goal can tolerate.
Further into the future
Longer goals may allow more exposure to market fluctuations, but time alone does not make every investment suitable. Consider income stability, loss capacity and the rest of your finances.
Choose deliberately
The account sets the rules. The investment carries the risk.
A TFSA or RRSP is an account structure, not an investment on its own. Holdings inside it should reflect your goal, access needs and risk profile.
Compare savings and investment accountsAgree on the risk your plan can support
Risk tolerance describes how you feel about losses; risk capacity concerns what your finances can withstand. Review both alongside your experience. Diversification can reduce dependence on a single holding, but cannot eliminate losses.
Understand fees and product restrictions
Compare advice, management, trading and account costs, along with access restrictions and any guarantee conditions. Products available through Centerpointe depend on the professional’s registration, licensing, dealer relationship and approved offerings.
Review with a reason to act
Revisit the plan after changes in your goals, income or time horizon, and at agreed reviews. Consider whether the portfolio needs rebalancing before reacting to market headlines alone.
Questions before you decide
Look closely at the details.
How much money do I need before I start?
That depends on the investment, account and provider. A consistent contribution strategy can be useful even when starting with a modest amount.
Should I pay off debt or invest?
Compare the debt’s interest rate, repayment terms, available emergency savings, employer matching and investment risk. High-interest debt may deserve priority.
Can investment returns be guaranteed?
Market-based returns cannot be guaranteed. Certain products may provide specified guarantees, subject to issuer strength, product terms, limits and holding requirements.
How do I know whether an investment professional is registered?
Use the appropriate securities-regulator or CIRO registration resources and ask the professional to identify their dealer, registration category and permitted products.
Review with Centerpointe
Start with your goals and what you already own.
Bring recent statements, contribution amounts, expected withdrawals and the priorities you are saving for. We’ll discuss suitability, costs and available services before considering changes, with qualified tax advice where needed.
Investment Planning Areas We Serve
Investment Planning guidance in Ottawa and neighbouring Eastern Ontario communities.
Investment products and services are available only through appropriately registered individuals and firms and are subject to applicable securities regulation, dealer policies, product availability, eligibility and suitability requirements.
The value of investments may rise or fall. You may lose some or all of the money invested. Past performance does not guarantee future results.
Diversification and asset allocation do not eliminate investment risk. Financial projections and return assumptions are illustrative and may not be achieved.
Fees, commissions, expenses, restrictions and risks vary by product and account. Review the applicable disclosure documents before investing.
Centerpointe Financials does not provide legal, accounting or tax advice. Clients should consult appropriately qualified professionals regarding those matters.