Solutions
Investment management as an ongoing discipline
Good investment outcomes come from two things: the right accounts in the right order, and active oversight of what is inside them. We handle both.
How we manage your investments
Goal definition
What the money is for, on what timeline, and what would count as success.
Asset structure
How holdings are allocated across registered, non-registered and corporate accounts.
Active oversight
Portfolios are reviewed against your goals — not left on autopilot — and adjusted when markets or your life change.
Risk management
Insurance and reserve planning so a single event does not force asset sales at the wrong time.
Tax awareness
Sequencing and account location decisions reviewed with your tax professional.
Review cadence
A scheduled annual review, plus a call whenever something material changes.
The accounts we work with
TFSA
Contributions are after-tax; growth and withdrawals are tax-free. Flexible for medium-term goals and retirement.
RRSP
Contributions may reduce taxable income now; withdrawals are taxable later. Converts to a RRIF by the end of the year you turn 71.
FHSA
Designed for a first home, combining a deduction on contribution with a tax-free qualifying withdrawal.
RESP
Education savings with access to government grants.
Learn moreNon-registered
No contribution limits, but investment income is taxable annually. Useful once registered room is used.
Segregated funds
Insurance contracts with certain guarantees and potential estate benefits, with associated fees to weigh.
Direct investing
A lower-cost, online option
For investors who want to manage their own portfolio or prefer a managed online portfolio with advisor access available.
Which account, in what order
The sequence depends on your marginal tax rate now versus in retirement, your timeline, whether an employer matches contributions, and whether the money may be needed before the goal date.
For many households a matched workplace plan comes first, followed by high-interest debt, then a mix of TFSA and RRSP based on the tax comparison, with non-registered savings after that. Your situation may reasonably differ.
Your advisor will show the comparison using your own numbers rather than a general rule of thumb.
Common questions
Is there a minimum to work with Investco?+
There is no published minimum. Advisors work with a wide range of households; a first conversation will confirm whether we're the right fit.
How are advisors compensated?+
Compensation depends on the products and services involved and is disclosed to you before anything is implemented. Ask your advisor to explain it in writing.
Do you manage my investments directly?+
Investco Financial advisors design, coordinate and actively review investment solutions through appropriately licensed channels and products. Your advisor will explain exactly what applies to your situation before anything is implemented.
Start with a review
Most relationships begin with a review of what you already have in place.
Investco Financial provides investment and savings advice and coordinates investment solutions through appropriately licensed channels. Nothing on this page is an offer to sell or a solicitation to buy any security. Contribution limits, grant amounts and tax rules are set by government and change over time. Segregated funds are insurance contracts issued by licensed carriers; guarantees apply to specific terms and conditions set out in the contract.