Fixed Income
ScotiaMcLeod is recognized as one of the top fixed-income operations in Canada.
Due to our long-standing expertise in bonds, we can help our clients easily choose
and efficiently transact debt products best suited to their needs.
We have the knowledge and capacity to build you a fixed income portfolio tailored
to your unique financial goals.
Fixed Income Guided Bond Portfolios
We have two groups of passively managed fixed income guided portfolios, as well
as an actively guided portfolio.
The first passively managed group of portfolios track the S&P/TSX Canadian Bond
Index or one of its sub-components.
The second group are “laddered” passive portfolio strategies that are designed
to provide a stable level of income and protection of principal.
The actively guided portfolio strategy incorporates the stable income and protection
of principal benefits of the laddered portfolio process, a level of inflation protection
by the addition of inflation-linked bonds, and an active trade component utilizing the research
and trading capabilities of Scotia Capital.
Equities
ScotiaMcLeod's equity group provides trading and advisory services for a full range
of Canadian and U.S. equities as well as preferred shares, Exchange Traded Funds
(ETFs) and options.
Equity Trading
Complete equity trading services are offered through the equity-trading desk of the
Portfolio Advisory Group in Toronto.
Dedicated solely to serving the needs of individual investors of ScotiaMcLeod, this
group specializes in the trading of Canadian and U.S. equities including, Instinet
and after-hours trading, the special handling of illiquid securities, as well as the
trading of income securities and equity derivatives.
Equity Guided Portfolios
Five Equity guided portfolios are available: three Canadian, one U.S. and one North
American in scope. The objectives of the portfolios are to provide a sound, balanced
portfolio that will generate superior investment returns for various investment objectives
and levels of risk.
Retirement Planning
Retirement means different things to different people. For some people, retirement means
having the financial flexibility to do as they please without worrying about their finances.
For others, it means sitting back and doing all the things that they've always wanted to do
but never had the time to do.
However you envision your retirement, the best way to ensure that you reach your goals is to
have a retirement plan. The process of retirement planning is relatively straightforward. Ideally,
you want to make sure that you have enough income and assets to live the kind of lifestyle that you
want. What makes retirement planning more difficult is determining what that lifestyle will look like
and then dealing with the many variables that go into the process and the pace with which they change.
To help you, ScotiaMcLeod offers a Retirement Planning Handbook designed to provide an overview of the
retirement planning process and the steps you can take to make sure you have done everything you can to
plan for your retirement years. Topics covered include the retirement planning process, retirement income
sources, planning strategies, and many other retirement issues.
To request your complimentary copy of our Transitioning into Retirement Handbook, complete our online request
form or contact a local ScotiaMcLeod advisor.
Financial Planning
The foundation of our Client Commitment is a real understanding of your needs and goals, and then helping
you build customized solutions to achieve them. These recommended solutions will guide all retirement, estate,
tax, investment and education planning decisions integrated with your overall financial strategy.
The key to success in financial planning is to develop your plan, implement it and review it regularly to
ensure that it reflects all changes in your personal circumstances.
Tax Planning
By structuring the right mix of investments for your portfolio, you can pay less tax while ensuring optimal returns.
Retirement Planning
Make sure you have enough assets and income to enjoy the kind of retirement life you've been hoping for.
Estate Planning
Ensure that your assets are distributed according to your wishes – consider both the financial and administrative implications.
Insurance
We can assist you in determining the insurance solution that's right for you and your family.
Business Succession Planning
Although almost 70% of business owners plan to exit within the next decade, few have a formal succession plan in place to effect an orderly transition. Find out what steps you should take.
Insurance
The protection of assets and income can be achieved through insurance and other investment vehicles.
1. Life Insurance
Permanent Insurance
Universal Life (UL)
A policy that provides permanent life insurance coverage with an investment component. Allows assets to
grow on a tax-deferred basis and provides the ability to pay down your coverage within a few short years,
enhancing your estate. The original death benefit and the investment account value are paid out tax-free to
your beneficiaries when you die.
Whole Life Insurance
Although less flexible than a typical UL policy and investment decisions are made by the insurance company,
a whole life insurance policy accumulates a cash value and offers a guaranteed death benefit. Participating
Whole Life (PAR) insurance is eligible to receive dividends, which can be applied in a variety of ways to
increase coverage or accumulate wealth.
Term to 100 Life Insurance
A policy that offers permanent coverage until death or age 100. Premiums are guaranteed and remain level for
the life of the contract. Premium payments end at age 100 but coverage remains in effect until death. This type
of policy does not have any cash value or tax-deferred growth opportunities, but does offer lifetime coverage.
Temporary Insurance
Term Life Insurance
A policy that protects the insured for a specified period of time, that usually expires at age 85. It is the
option with the lowest cost. Different lengths of terms are available. It is often renewable for a like period,
usually at a higher cost, and is ideal for temporary liabilities such as mortgages and business obligations.
2. Insurance ~ Living Benefits
Critical Illness (CI) Insurance
This insurance provides a benefit paid in a lump sum, after a customary waiting period once the insured is diagnosed
with one of a specified group of critical illnesses (such as cancer, stroke, or heart attack). Proceeds can be used
as desired - pay off a mortgage or other debts; allow a spouse or family member to take a leave of absence from work;
continue to fund children's present or future education needs. Helps to preserve capital by avoiding the premature
withdrawal of savings to pay for costs associated with surviving an illness that are not covered by government health care.
Disability Insurance
Pays a monthly benefit that replaces a portion of earned income when the insured is unable to work due to an illness or
accident. Most employers provide group coverage, but a personal policy can complement that coverage and address any gaps.
Long-term Care Insurance
Provides the service and support necessary to maintain day-to-day care should a chronic illness or cognitive impairment
keep the policyholder from being able to take care of themselves.
3. Insurance ~ Investments
Annuity
Provides income payments at regular (typically monthly) intervals, usually for a specified period or for the lifetime of
the annuitant. A Joint Life and Last Survivor Annuity Jointly is payable to two (or more) persons for life, ceasing at
the death of the last surviving annuitant.
Guaranteed Interest Annuities (GIAs)
Fixed-rate investments that act like Guaranteed Investment Certificates, offering guaranteed interest terms, competitive
interest rates, compound, or interest income and full RRSP eligibility. The difference is that GIAs also provide potential
creditor protection, probate avoidance with named beneficiaries, and pension credit qualified income.
Segregated Funds
Insurance contracts where deposits from investors are pooled together and invested by a professional portfolio manager in a
variety of stocks, bonds, and other instruments, with guarantees designed to protect your money from market volatility.
Insurance Terms
Annuitant
For investment products, refers to the individual on whose life the contract is based.
Beneficiary
The individual or organization to whom insurance proceeds are made payable in a contract, or by declaration.
Coverage
- Single Life: one coverage for one life, with one policy fee.
- Joint Last-to-Die: one coverage for two lives with the benefit payable when the last person dies. Premiums may be payable either until the first or last person dies.
- Joint First-to-Die: one coverage for two lives with the benefit payable when the first person dies, usually with the second person as the beneficiary of those funds.
- Multi-Life: one policy for two or more Single Life coverage with the ability to have one policy with one fee for simple management.
Underwriting
The process by which an insurance company evaluates the risk of providing coverage to a particular individual.
All insurance products are sold through ScotiaMcLeod Financial Services Inc., the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank Group. When discussing life insurance products, ScotiaMcLeod advisors are acting as Life Underwriters (Financial Security Advisors in Quebec) representing ScotiaMcLeod Financial Services Inc.
The information contained on this website is for use by persons resident in Canada only.
