Maprime.ca
Back to home438 889-6474FR
Savings and investments

Grow your savings, with guarantees built in

Segregated funds, RRSPs, TFSAs, RRIFs and annuities: I compare solutions from several insurers to build an investment plan suited to your profile, time horizon and goals.

Assess my investor profileGet a proposal

or call me at 438 889-6474

✓Several insurersNo exclusivity: I compare fund lineups and fees for you.
◆Guaranteed capitalSegregated funds guarantee 75% to 100% of deposits at maturity and at death, depending on the contract.
⚑Simplified estate transferWith a named beneficiary, the capital is paid outside the estate.
☂Potential protectionInsurance contracts may offer creditor protection, under certain conditions.
My solutions

Investments for every stage of life

Whether you are starting to save, preparing for retirement or looking for steady income, there is a suitable solution. Here is what I offer.

Jar of coins with a plant growing from it
Protected growth

Segregated funds

The growth potential of the markets, with the guarantees of an insurance contract.

  • 75% or 100% capital guarantee at maturity and at death
  • Paid directly to the beneficiary, outside the estate
  • Wide choice of funds: conservative, balanced or growth
Talk about segregated funds →
Tax savings

RRSP

Reduce your taxes today and grow your savings tax-sheltered until withdrawal.

  • Contributions deductible from taxable income
  • Tax-sheltered growth
  • Ideal if your income is higher today than in retirement
Optimize my RRSP →
Tax-free withdrawals

TFSA

The most flexible account: your gains and withdrawals are tax-free. The 2026 contribution limit is $7,000.

  • Tax-free withdrawals, at any time
  • Unused contribution room carried forward
  • Perfect for projects and retirement top-ups
Open a TFSA →
Retirement income

RRIFs and annuities

Turn your savings into income: a flexible RRIF or an annuity guaranteed for life or for a set period.

  • Regular, predictable income
  • Life annuity: income for as long as you live
  • Withdrawal strategy to reduce taxes
Plan my income →
Security

Guaranteed interest investments

Guaranteed interest accounts offered by insurers, for the part of your savings that must not fluctuate.

  • Guaranteed rate for the chosen term
  • Protected capital
  • A safe complement to a fund portfolio
Ask for rates →
Children's future

RESP and RDSP

Up to 30% in government grants added to RESP contributions, within annual limits.

  • Canada and Quebec grants
  • Tax-sheltered growth
  • RDSP for people eligible for the disability tax credit
Contact me about an RESP →

What kind of investor are you?

Before investing a single dollar, we establish your profile: time horizon, goals, experience and risk tolerance. Fifteen questions, about 7 minutes, with a guide at every step.

Take the profile test
Conservative≈ 20% equitiesModerate≈ 40% equitiesBalanced≈ 60% equitiesGrowth≈ 75% equitiesAggressive≈ 90% equities

How I work

  1. Your investor profile and goals, online or in a meeting.
  2. An analysis of your situation: current savings, taxes, time horizon.
  3. A clear proposal comparing solutions from several insurers.
  4. A review at least once a year and at every life change.

Frequently asked questions

What is the difference between a segregated fund and a mutual fund?

Both invest in a managed portfolio. A segregated fund is an insurance contract: it adds guarantees on capital at maturity and at death, lets you name a beneficiary to bypass the estate and may offer creditor protection, under certain conditions. In return, fees are generally somewhat higher.

Do segregated fund guarantees cover all my capital?

Depending on the contract, guarantees cover 75% or 100% of deposits at maturity (often 10 or 15 years) and at death, less proportional withdrawals. The market value of the fund fluctuates with the markets.

RRSP or TFSA: which should I choose?

An RRSP is often advantageous if your tax rate is higher today than in retirement; a TFSA offers tax-free withdrawals and more flexibility. Many people use both: I help you split your contributions.

Do I need a large amount to start?

No. Many contracts are available with modest monthly contributions; the minimum varies from one insurer to another.

Do you offer mutual funds?

No. My investment offering is through segregated funds, annuities and guaranteed investments, which are insurance contracts. For mutual funds, I refer you to a representative registered in that discipline.

Past performance does not guarantee future returns. The market value of segregated funds fluctuates. Guarantees and creditor protection depend on the contract terms and the holder's situation. 2026 TFSA limit: Canada Revenue Agency.

Your money deserves a plan.

A first meeting at no cost and with no obligation to review your savings.

Assess my investor profileBook an appointment