WEALTH & INVESTMENT
Building wealth, saving for retirement, or looking for professional financial advising; we create tailored portfolios and personalized modular wealth building plans, alongside advising you towards achieving your long-term goals.
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Transfer or open your RRSP, TFSA, Investment Account, Savings Account, In-Trust, Corporate, and many other accounts with Gianluca at Manulife Securities Incorporated.
Our focus is on 2 fundamental components: investment and financial advising with modular wealth planning. Our success in building wealth is a result of critical two-way communication, planning, and core investing. By helping you grow and understanding your financial position, we give you the confidence you need in order to make better financial decisions for the future.
Still investing with your bank? It's time for change.
Through our advisory, we can choose from any securities, funds, and investment products for you. Unlike the big banks, we're not limited to only using our own home products. This gives us the flexibility to put your money in the best investments for you, without any bias towards our home institution of Manulife Securities.
Every client is uniquely advised. After understanding you and your goals, where you are, and where you want to be, we craft a unique strategy and tailor the investments to meet your financial objectives and lifestyle goals.
Gianluca's Investor Update
A glimpse into a letter from your Manulife Securities Incorporated Financial & Investment Advisor Gianluca Folino. Keeping you updated on all things finance, markets, and economics.
A note from the Q2 2021 Quarterly Review
With the number of retirees growing daily, people’s retirement savings, pension funds, and other assets are in income mode - where retirees get paid from their pensions and withdraw from their savings. Traditionally, this meant high ownership of fixed income (bonds) in investment portfolios to reduce volatility and risk. But even more so to collect a fixed % of the invested money, which is used to pay retirees. Today, the growing problem is extremely low interest rates. Where to make $10,000 a year of income with a 1% interest rate, you need $1,000,000 in fixed income investments. If interest rates were 5% you would only need $200,000 to make that same $10,000 a year. So lower rates mean you need to have more money to make the same amount of income. There are 3 possible solutions to this funding problem. 1) Interest rates have to go back up… though the global financial system couldn’t handle this, it would break. So not a viable option. 2) Pension funds have to demand higher contributions from the working population to fund the retiring population. Already trying to be done, but the rate of retirees outpaces the rate of new contributions from the working population. 3) Move portfolios up the risk spectrum to earn higher returns. We are already seeing this happen with higher risk fixed income (junk bonds), where there is so much demand for them - resulting in junk bond rates that have now dropped to historic lows. Currently, to increase returns means to move further up the risk spectrum, again. This is not ideal for most pension funds’ risk management, however, it is one of the few options left to generate the needed returns to fund retirees.
Written by Gianluca Folino, CIM
Financial Advisor, Manulife Securities Incorporated
Life Insurance Advisor, Manulife Securities Insurance Inc.
Where we create value for you.
We're not just an investment advisory. We carry out industry leading research and global economic insights that give us our unique edge.
With our low minimums, no fixed rate annual fees, and free ongoing client advisory, more of your money stays where it belongs: in your pocket.
With a Manulife Securities advisor, your plan and our strategies are crafted for you. Where your life's goals are our prime focus.
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Choosing a financial advisor isn't a small decision. Get to know who we are and how we can help you.
Get to know Gianluca, your Manulife Securities Financial & Investment Advisor, and what he can do for you.
Ask the right questions, and gather a stronger understanding of how financial advising can help you achieve your goals.
Identify what your financial objectives are.
Ask us questions, lots of them. The more you have, the more we can help.
Establish the next steps.