GS Financial Group offers a variety of investment  options. We  have a group of associated professionals who are exclusively in charge of designing the best investment package according to the Canadian Market and at the same time taking care of your needs.


A Registered Retirement Savings Plan, or RRSP, is a special type of investment account designed to help Canadians save for retirement. 

What makes an RRSP special is that your contributions to it are tax deductible and your portfolio grows tax sheltered.

It helps you in deferring your taxes.Therefore you can reduce your taxable income by the amount you invest in RRSP.

Profits made in an RRSP account in the from of interest, dividends etc. are not taxable immediately.

They are taxed in the financial year in which you withdraw.

You can withdraw your money from RRSP at any point but there will be a withholding tax applied on it.

You can invest up to 18% of the income earned in the current year or $22,000 whichever is less.
It is not necessary to invest every year. Any unused contributions are carried forward to your future deduction limit.

Simply transferring money in an RRSP is not a guarantee that you may retire comfortably;  however, it is a guarantee that the investments will compound without being taxed, as long as the funds are not withdrawn.

You have different options where you can invest your money and generate additional returns (GICs, Mutual Funds,Common Stocks etc.)


A Tax-Free Savings Account (TFSA), is an account where you can save or invest up to $5,500 a year. Unlike other types of savings, you’re not taxed on the income you earn. It’s a great way to save for your short or long-term goals; because it lets your savings grow – tax-free.

It is an account where you are not charged ant taxes on any of the contributions you made or any interest earned in the form  of Dividend, interest, capital gains etc.

You can invest your money in different forms in your TFSA account for eg. Mutual funds, Common stocks, GIC etc.

The unused room of the contribution limit can be carried  forward to the next year. The additional advantage is that you can withdraw your money at any point of time and tax free.


The Registered Education Savings Plan (RESP) is a tax-sheltered plan that can help you save for a child’s post-secondary education. With the high cost of education, many parents, grandparents and other family and friends are recognizing the need to save well before the expenses become a reality.

The government will match your contribution by 20%

And you are allowed to a apply for Government grants

It is a tax shelter program, designed to benefit post-secondary studies of your child.This means that interest and income earned within RESP are not taxed as long as funds remain in the plan.
The government also contributes a certain amount to plan for children under 18 years of age.

The maximum that you can invest in RESP is $50,000 per child.There is no contribution limit per year.
The sooner you will start investing the more you will be benefited from it.

When your child withdraws from RESP the money will be taxed to your child i.e. it will be taxed at a much lower rate ,which usually means they pay little tax or no tax.
An RESP has a maximum life of 35 years and contributions can only be made until the beneficiary reaches 31 years of age

Mutual Funds

A mutual fund is a pool of investments managed by a professional portfolio manager. The portfolio manager invests the money on behalf of a group of investors who have similar investment goals. Depending on the fund’s investment objective, a mutual fund can invest in bonds, cash, or other mutual funds or exchange traded funds.

It gives investors the opportunity to invest in a professionally managed, diversified portfolio of equity, bonds, securities .Which at times is difficult for an individual investor to build on their own with a limited amount of time and money.

So you do not even need to worry for it.


An annuity protects you from the risk of outliving your money and helps to cover basic expenses in retirement. In exchange for a lump-sum premium, an insurance company guarantees to pay you an income for life or as long as the annuity contract specifies. Your income will be secure from both market and interest rate risks .

The money you invest in annuity grows tax-deferred.

When you withdraw from annuity the amount you invested in not taxed but your earnings are taxed at your regular income tax rate.

It gives you guaranteed income payments

No annual Contribution Limit.

The annuity serves as a compliment to other sources of retirement income.

You can invest in fixed rate of return annuity of variable return annuity depending on your financial goal

Segregated Funds

Segregated funds, like mutual funds, are market-based investments. A large pool of money belonging to many people is invested in bonds or other securities with the goal of increasing the value of the entire pool.  However, because segregated fund contracts are insurance contracts, they have special benefits that mutual funds do not.

It has 75% protection of the amount invested

They guarantee a minimum return of 75% to 100% at the maturity.

Money invested in it is protected against seizure by creditors. In case of unexpected bankruptcy and lawsuit.

If beneficiary is named the fund directly passes in the hand of beneficiary at the time of death omitting probate process.


GICs are secure investments that guarantee to preserve your principal. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula. GICs often form the foundation of a well-balanced portfolio.

A Guaranteed Investment Certificate is a special kind of deposit which guarantees your money back at maturity with either a fixed or variable interest.

There are various types of GIC available in the different maturity period varying from 6 months
to 10 Years.

You do not need to pay any fees when you buy GIC

You can even hold them in your registered account such as RRSP, RRIF and TFSA.

GIC is available in different investment options even like Fixed Return, Variable Return and Market Linked.


A bond is a debt security, similar to an I.O.U.

When you purchase a bond, you are lending money to a government, municipality, corporation, federal agency or other entity known as an issuer.

In return for that money, the issuer provides you with a bond in which it promises to pay a specified rate of interest during the life of the bond and to repay the face value of the bond (the principal) when it matures, or comes due.

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