Services

The FSG Advantage

Guaranteed Investment Certificates:

FSG is a member of the Registered Deposit Brokers Association. Deposit Brokers have access to a wider range of low-risk investment products such as Guaranteed Investment Certificates (GICs) and can customize a portfolio that best suits your needs. Below is a graph that shows RDBA members 5-year GIC rates versus major bank's 5-year GIC rates.

Manulife Group Savings Plan:

Clients in the FSG Manulife Group Savings Plan benefit from the Member Reward Program which gives them access to lower investment management fees and higher interest rates based on their personal account balance.

Member Balance

Adjustment to IMF

Enhancement to Member's Balance

$0 - $24,999

0

0

$25,000 - $39,999

-0.10

+0.10

$40,000 - $59,999

-0.20

+0.20

$60,000 - $99,999

-0.25

+0.25

$100,000 - $349,999

-0.325

+0.325

$350,000 +

-0.425

+0.425

 

FSG Manulife Group Savings Plan Investment Management Fees Versus Major Bank's Management Expense Ratios:

 

 

 

FSG Group Savings Plan

RBC

TD

CIBC

Scotia

Balanced Fund

1.75%

2.16%

2.22%

1.90%

2.06%

Canadian Equity Fund

1.75%

1.89%

2.19%

1.75%

2.18%

US Equity Fund

1.90%

1.94%

2.16%

1.75%

2.50%

 

*FSG Group Savings Plan IMFs noted above can be reduced according to the Member Reward Program