[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.16″ background_image=”https:\/\/www.botica.ca\/wp-content\/uploads\/2021\/08\/botica-006.jpg” custom_margin=”|||” custom_padding=”12vw|0px|0|0px|false|false” global_colors_info=”{}”][et_pb_row column_structure=”2_3,1_3″ padding_top_bottom_link_1=”false” padding_left_right_link_1=”true” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1160px” custom_margin=”|||||false” custom_padding=”27px|0px|0px|0px|false|false” animation_style=”slide” animation_direction=”right” use_custom_width=”on” custom_width_px=”1160px” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ background_color=”#ffffff” custom_padding=”40px|40px|0px|40px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ ul_font=”||||||||” ol_font=”||||||||” header_font=”Playfair Display|700|||||||” header_text_color=”#202020″ header_font_size=”48px” header_line_height=”1.5em” header_2_font=”||||||||” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” header_font_size_tablet=”38px” header_font_size_phone=”28px” header_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE4In19@” url_new_window=”on” button_text=”Contact us” _builder_version=”4.16″ _dynamic_attributes=”button_url” custom_button=”on” button_text_size=”12px” button_text_color=”#FFFFFF” button_bg_color=”#1D2C70″ button_border_color=”rgba(0,0,0,0)” button_border_radius=”0px” button_letter_spacing=”2px” button_font=”Rubik|500||on|||||” button_use_icon=”off” background_layout=”dark” custom_padding=”16px|32px|16px|32px|true|true” box_shadow_style=”preset1″ box_shadow_color=”rgba(29,44,112,0.5)” button_letter_spacing_hover=”2px” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on|hover” button_letter_spacing__hover=”3px” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”List” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”left” global_colors_info=”{}”]<\/p>\n
Investments Funds<\/a><\/p>\n Guaranteed funds<\/a><\/p>\n Annuities<\/a><\/p>\n Accounts and Plans<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Our representatives can help you evaluate the benefits provided by each of the products on the market and make informed choices among the many investment products available. <\/span><\/p>\n They will help you develop customized financial solutions that best suit your objectives and needs, including your tolerance for risk.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” 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global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n A mutual fund investment is an investment portfolio owned by an investment company which manages the capital of a large number of investors, to invest it in shares, bonds, and other securities without losing sight of the investment objectives. The capital you contribute to a mutual fund enables you to buy shares, or units, of that fund. Funds vary according to the types of investment objectives, the style of management, and the type of investment in a particular fund.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Botica Financial Group represents the major mutual fund companies on the Canadian market. Our financial advisors can help you determine which funds fit your financial goals and profile.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Similar to mutual funds, segregated funds manage the capital of a large number of investors, to invest it in shares, bonds and other securities without losing sight of the investment objectives. A segregated fund is similar to a mutual fund investment however, it is comprised of additional characteristics for it is governed by the Insurance Act. <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_toggle title=”Maturity Guarantee” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”RGBA(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.20.0″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” hover_enabled=”0″ border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n The maturity guarantee protects a percentage of the investment at the end of a specified term (normally 10 years).<\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Possible protection against creditors” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.16″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n A separate fund can be protected in bankruptcy if you have designated a preferred beneficiary, and the annuitant did not deliberately sign the contract in order to evade its creditors.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Death benefit guarantee” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.16″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n The death benefit guarantee protects a percentage of the investment upon the death of the contract annuitant.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Possibility of bypassing the delays and probate fees” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.16″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n Probate is a legal process by which a provincial court confirms the validity of your will and which essentially allows for the transfer of your assets to your beneficiaries. Provincial governments impose probate fees \u2013 which correspond to a percentage of your estate. <\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n However, in the cases of segregated funds, probate fees can be avoided, for the proceeds of an insurance contract are directly transferred to a named beneficiary.<\/p>\n Botica Financial Group represents the most important companies on the Canadian market. Our financial advisors can help you determine which funds fit your financial goals and profile. <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”placements-garantis” _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”placements-garantis” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n A certificate issued by the bank for a duration of 30 days (short-term deposit) or more, with fixed interest rates.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”placements-garantis” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” custom_padding=”||41px|||” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Similar to the traditional GIC\u2019s for you deposit and obtain a return on the dividends and interests however, you sign a contract with an insurance company, which allows you to benefit automatically from the exclusive advantages of that company\u2019s products, that is; named beneficiaries and creditor protection<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”rentes” _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Either one or several deposits in an insurance company, which, in exchange provides you periodically with income payments made up of interest and capital which are determined according to age, current interest rates, the period during which the payments are guaranteed, the amount of money that will serve to pay the annuity.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_toggle title=”Life annuities” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.16″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n Life annuities provides you with guaranteed periodical income for one\u2019s entire lifetime. They can be taken out by a single individual or be made reversible, that is, during one\u2019s individual\u2019s lifetime and then transferred to another individual. Finally, they can be taken out with or without a guaranteed period of time.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Term certain annuities” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.16″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n An annuity certain provides you with guaranteed pre-determined payments. Once the pre-determined period has come to its end, the payments cease, thus bringing an end to the contract. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Variable annuities” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.16″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n Variable income annuities provide payments which fluctuate according to the income perceived from a distinct investment account. For more information, contact us at Info@botica.ca<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Registered or non-registered annuities” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ open_icon_color=”#1D2C70″ _builder_version=”4.16″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n A consultant will best be able to evaluate your situation and allow you to benefit from preferential fiscal treatment.<\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Testimonial” _builder_version=”4.16″ custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_row module_id=”comptes” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” text_orientation=”center” max_width=”700px” module_alignment=”center” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ background_color=”#EBEDEB” custom_margin=”||60px|” custom_padding=”40px|40px|40px|40px|true|true” animation_style=”zoom” border_width_all=”3px” border_color_all=”#EBEDEB” global_colors_info=”{}” border_color_all__hover_enabled=”on|hover” border_color_all__hover=”#767676″][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_text_color=”#202020″ header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#1D2C70″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#098cf2″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n This is a registered account where the income earned (ie. interest or capital gains) is tax free, even when it is withdrawn from the account.<\/p>\n You can contribute a maximum of $ 5,500 per year to a TFSA. The contributions you make are not deductible for tax purposes. <\/p>\n In general, the types of eligible investments in a TFSA are the same as those eligible in a registered retirement savings plan (RRSP). This includes mutual funds, listed securities, guaranteed investment certificates (GICs), bonds and certain shares of companies exploiting a small business. <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ background_color=”#EBEDEB” custom_margin=”||60px|” custom_padding=”40px|40px|40px|40px|true|true” animation_style=”zoom” border_width_all=”3px” border_color_all=”#EBEDEB” global_colors_info=”{}” border_color_all__hover_enabled=”on|hover” border_color_all__hover=”#767676″][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_text_color=”#202020″ header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#1D2C70″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#098cf2″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n An <\/span>RRSP<\/strong> <\/span>is a registered account that allows you tax-sheltered investments prior to withdrawal. According to certain conditions, each dollar that you invest in a retirement savings plan reduces your taxable income. Once you have invested in a RRSP, it can be tax-deferrable until its withdrawal. <\/p>\n The main purpose of an RRSP is to provide you with retirement income, Canada Revenue Agency stipulates that you must start withdrawing tax-deductible income after December 31 st of your 71\u2019th year. However, this does not mean that your savings are out of reach until that moment. If you require emergency funds, you may, for example, present a simple withdrawal request and pay the applicable income on it. <\/p>\n Registered Retirement Income Funds represent one of the best fiscal plans proposed by the Canadian government.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ background_color=”#EBEDEB” custom_margin=”||60px|” custom_padding=”40px|40px|40px|40px|true|true” animation_style=”zoom” border_width_all=”3px” border_color_all=”#EBEDEB” global_colors_info=”{}” border_color_all__hover_enabled=”on|hover” border_color_all__hover=”#767676″][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_text_color=”#202020″ header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#1D2C70″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#098cf2″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Life Income Fund (LIF) and Locked-in Retirement Income Fund (LRIF) allows you to grow tax-free during your retirement payments from your LIRA or locked-in RRSP or from your locked-in investment.<\/p>\n Many Canadians have locked-in funds such as locked-in RRSPs, LIRAs and registered pension plans. For many years, the pension was the only choice of withdrawal of these funds. Now in many provinces, it is possible to transfer funds to a life income fund (LIF), with a flexibility of arrears and a minimum withdrawal, but (instead of the RRIF) with a maximum limit. <\/p>\n In all provinces except Quebec and New Brunswick, investors who reach 80 years should use the remaining funds in their LIF to purchase a life annuity.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ background_color=”#EBEDEB” custom_margin=”||60px|” custom_padding=”40px|40px|40px|40px|true|true” animation_style=”zoom” border_width_all=”3px” border_color_all=”#EBEDEB” global_colors_info=”{}” border_color_all__hover_enabled=”on|hover” border_color_all__hover=”#767676″][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_text_color=”#202020″ header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#1D2C70″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#098cf2″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n The Registered Education Savings Plan (RESP) allows you to easily accumulate capital for post-secondary education for your children or grandchildren. By investing in an RESP, you enjoy advantageous Government grants and your savings grows tax-free. <\/p>\n You decide how much you want to invest and at what frequency<\/span><\/p>\n Investment income and grants are tax-free<\/p>\n Maximum contribution of $50,000 per beneficiary<\/p>\n An RESP is one of the best ways to invest in your child\u2019s future. The government grants that are added to your contributions are equivalent to an impressive return of at least 30%. <\/p>\n Canada Education Savings Grant (CESG): up to $500 per year, for a maximum of $7,200 The Canada Learning Bond (CLB) \u2013 This link will open in a new window. helps modest-income families save toward the education of children under the age of 15. Eligible families receive an initial amount of $500 the first year the RESP is opened. After that, the CLB pays an additional $100 per year up to a maximum of $2,000 each year the family remains eligible. <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ background_color=”#EBEDEB” custom_margin=”||60px|” custom_padding=”40px|40px|40px|40px|true|true” animation_style=”zoom” border_width_all=”3px” border_color_all=”#EBEDEB” global_colors_info=”{}” border_color_all__hover_enabled=”on|hover” border_color_all__hover=”#767676″][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_text_color=”#202020″ header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#1D2C70″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_3_font=”Playfair Display|700|||||||” header_3_font_size=”32px” header_3_line_height=”1.5em” header_4_font=”Rubik|500||on|||||” header_4_text_color=”#098cf2″ header_4_font_size=”14px” header_4_letter_spacing=”2px” header_4_line_height=”2em” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n 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).<\/p>\n Contributions to an RDSP are not tax deductible and can be made until the end of the year in which the beneficiary turns 59. Contributions that are withdrawn are not included in income for the beneficiary when they are paid out of an RDSP. However, the Canada disability savings grant (grant), the Canada disability savings bond (bond), investment income earned in the plan, and rollover amounts are included in the beneficiary\u2019s income for tax purposes when they are paid out of the RDSP. <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” admin_label=”Footer” _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_stops=”#000000 0%|rgba(0,0,0,0.6) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#000000″ background_color_gradient_end=”rgba(0,0,0,0.6)” background_image=”https:\/\/www.botica.ca\/wp-content\/uploads\/2021\/08\/botica-019.jpg” custom_padding=”90px|0px|90px|0px|false|false” saved_tabs=”all” global_colors_info=”{}”][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner 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button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#202020″ global_module=”1599″ global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.4″ _module_preset=”default” link_font=”|300|||||||” link_text_color=”#C4CACE” header_3_font=”||||||||” header_3_text_color=”#FFFFFF” global_colors_info=”{}”]<\/p>\n About Us<\/a><\/p>\n Our Team<\/a><\/p>\n Contact Us<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.4″ _module_preset=”default” link_font=”|300|||||||” link_text_color=”#C4CACE” header_3_font=”||||||||” header_3_text_color=”#FFFFFF” global_colors_info=”{}”]<\/p>\n Virgate<\/a><\/p>\n Viefund<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.4″ _module_preset=”default” link_font=”|300|||||||” link_text_color=”#C4CACE” header_3_font=”||||||||” header_3_text_color=”#FFFFFF” global_colors_info=”{}”]<\/p>\nProducts and accounts<\/h3>\n
A complete offer<\/h2>\n
Funds<\/h3>\n
Mutual Funds<\/h2>\n
Funds<\/h3>\n
Segregated Funds<\/h2>\n
Guaranteed funds<\/h3>\n
Guaranteed investment certificate (GIC)<\/h2>\n
Guaranteed funds<\/h3>\n
Guaranteed interest fund (GIF)<\/h2>\n
Annuities<\/h3>\n
Annuities<\/h2>\n
\n
Products and accounts<\/h3>\n
Types of accounts<\/h2>\n
TFSA<\/h4>\n
Tax Free Savings Account<\/h3>\n
RRSP<\/h4>\n
Registered Retirement Savings Plan<\/h3>\n
LIF & LRIF<\/h4>\n
Life Income Fund and Locked-in Retirement Income Fund<\/h3>\n
\n
RESP<\/h4>\n
Registered education Savings Plan<\/h3>\n
Flexible<\/strong><\/h5>\n
Advantageous<\/strong><\/h5>\n
Reassuring<\/strong><\/h5>\n
Qu\u00e9bec education savings incentive (QESI): up to $250 a year, for a maximum of $3,600<\/p>\nRDSP<\/h4>\n
Registered disability savings plan<\/h3>\n
Contact us<\/h3>\n
Schedule a meeting with one of our advisors<\/h2>\n
Fast, simple and professional<\/span><\/h4>\n
Personalized service<\/span><\/h4>\n
In person or remotely<\/span><\/h4>\n
Our Business<\/h3>\n
Advisors Login<\/h3>\n
Legal<\/h3>\n