के तपाई RRSP / RESP गर्दै हुनुहुन्छ? एक पटक येसको राम्रो मुनाफाको सम्भावना बारे पनि जानकारी लिने कि?
हाम्रो क्यानाडाको नेपाली समाजमा पनि RRSP र RESP निकै पपुलर भएको छ I तरपनि लगानी गर्नु अघि हाम्रो समाजमा येसका सबै खाले अवसर र तेस्को सम्भावित फाइदा बारे राम्रो जानकारि नभयेको पाइयको छ I मात्र सिमित ज्ञान भएका RRSP / RESP एजेन्टका कारण हो वा उनीहरुको लगानीकर्ता लाई सबै बिकल्प प्रस्ट पार्न नसक्नुका कारण बाटहो हाम्रो समाजका झन्डै ९९% कर्मयोगी र कडा मेहनेती हस्तीहरु RRSP/RESP- (i.e. RSP ) बचतबाट प्राप्तगर्न सकिने मुनाफा खासै लिन नसकिरहेको देखियेकाले (भन्ने हामीलाई लागेकाले) – सूचना संचारका खातिर योलेख तपाई हरु सामु राखियेको छ l इस्मरण रहोस हामी कुनै पनि रुपमा यॆस पेशामा संलग्न छैनौ l
Three Ways you can Increase Return on Your RRSP and RESP – Please think about it
Your financial planner usually gives you the same advice this year as last – invest in a well-diversified portfolio of stocks, bonds, and mutual funds. The market will change …………….but the advice is always the same? Those might provide you option to invest in sanitized, watered down, and costly (up front, ongoing, and trailer fees) investment vehicles
Understand what a Self-Directed RSP Return is: Probably you are not aware that the majority of registered fund accounts (RRSP and RESP) can be self-directed? This means you as a Canadian can take control of your retirement funds and choose the vehicles you invest in as well as the type of returns and fees (if any) you will experience. May be you are not aware on it and your hard earned dollars might have risk to evaporate as your principle gets gobbled up by uncertainty in the global markets. If it is the case you might have following option:
First Option – Private Mortgage Investment in Ontario:
Through your self-directed RSP you can find pre-qualified lending opportunities in second mortgages. Unlike mutual funds, the principle invested is registered against a real asset and your interest is legally protected as your name is on the title to the property. The loans never go over 85% of the appraised market value of the home so there is always safety that you are not over leveraged. The average return on a second mortgage is 15% annually so this is a great option for a portion of your RSP portfolio.
Another excellent way – with great return for your RSPs is in a syndicated mortgage:
This is where a group of investors pool their funds to fund a single development project. This method is preferred by those who are not looking to have a hand’s on role in the day to day operation as in private mortgage investment. However, there is a minimum investment of 25K in these types of mortgage and a defined term (2 -4 yrs.) is required. Where you will receive regular investment income of 8% annually (paid quarterly). Another feature here is that typically there is a deferred lender’s bonus on the exit of the project that depending on the success of the project can provide a potential additional return of 12-20%.
Third Option – Available is – Real Estate Investment RSP Mortgage Swap:
Through Real Estate Investment RSP Mortgage Swap (self-directed) – you can further dig down the better opportunity and invest your RSP to invest (cash flowing investment) directly in Real Estate while it is in cash flowing stage. In this type of investment – the returns depend on the individual investment opportunity and the terms of the mortgage loan. If you have a good contact with a great/decent team of realtors, appraisers, lawyers, and Mortgage Broker it could be another great investment opportunity for you.
We are migrated to Canada from Nepal seeking better future and best opportunity to our kids. If you ask yourself – Why would I leave my RRSP – RESP for an uncertain not very good return when I am close to my retirement? Above three type of RSP eligible investments are much safer than your mutual fund you are being offered by your current financial advisor which certainly help to build consistent returns that real estate provides. Thus please try to learn about these three options further more by yourself to ensure your return on saving more protected with more return.