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PACE WEALTH ACCUMULATION STRATEGIES. WEALTH CREATION  Why do people build wealth through investment portfolios, real estate, savings or other means?

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Presentation on theme: "PACE WEALTH ACCUMULATION STRATEGIES. WEALTH CREATION  Why do people build wealth through investment portfolios, real estate, savings or other means?"— Presentation transcript:

1 PACE WEALTH ACCUMULATION STRATEGIES

2 WEALTH CREATION  Why do people build wealth through investment portfolios, real estate, savings or other means?  What MOTIVATES them?

3 MOTIVATORS!  Security  Lifestyle  Retirement income  Early "bail out"  Create estate for heirs

4 MOTIVATORS!  Health  Flexibility  Diversification  Hate paying taxes

5 WEALTH CREATION  Starting out – very few assets; life insurance is vital to create an estate for family income needs.  As you get older – you build up assets (house, cottage, RRSP's, investments, pension). Life insurance takes on new meaning.

6 WEALTH CREATION  Does portfolio of assets contain any discretionary capital or provide any discretionary income?  I.E. not earmarked for a specific purpose, other than savings.  If so, are you gaining the greatest advantage with those funds?

7 WEALTH CONVERSION  Strategic repositioning of PART of portfolio.  Use U/L to enhance the value of the estate!

8 WEALTH ENHANCER  Client has discretionary funds for investment purposes  Wants the greatest cash buildup that can be achieved  May take income (or leverage) in future

9 WEALTH ENHANCER  EXAMPLE  Male 42, N/S  Has investable assets of $25,000 annually for 10 years  Is in top tax bracket

10 WEALTH ENHANCER  INVESTMENT OPTIONS  Investment portfolio (index funds, mutual funds, seg funds, individual stocks)  Life insurance – use Saving Maximizer for greatest wealth accumulation

11 WEALTH ENHANCER  INVESTMENT OPTIONS Indexed FundPACE *Gross yield = 9% *9% yield *MER = 1% *3% MER (net 8%) (net 6%) *CGT paid every *1.75% 5 years bonus

12 WEALTH ENHANCER EQUITY COMPARISON Year FUNDS*PACE A.F. 5 $150,500 $142, $355,085 $339, $482,573 $482, $655,834 $684, $1,211,312 $1,354,238 *net values illustrated

13 WEALTH ENHANCER ESTATE COMPARISON Year FUNDS*PACE D.B. 5 $150,500 $938, $355,085 $1,135, $482,573 $1,090, $655,834 $1,189, $1,211,312 $1,857,238 *net values illustrated

14 WEALTH ENHANCER If greatest savings is most important and life insurance is secondary … Flex 1 With Saving Maximizer is the best solution


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