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DYNAMIC SERIES T Name Tile Company DATE
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2 “Taxes have grown over the past 49 years to the point that government is now the largest expenditure facing a family” Niels Veldhuis, Fraser Institute senior economist and co-author of the Canadian Consumer Tax Index, 2011
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3 TAXES VERSUS THE NECESSITIES OF LIFE THE AMOUNT CANADIANS PAY IN TAX HAS GROWN THE MOST Source: April 2011, Fraser Institute
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4 WHO SHOULD USE SERIES T INVESTORS WHO: Want additional income Want to defer tax on income
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5 DYNAMIC SERIES T 1PREDICTABILITY Consistent income monthly 2TAX PLANNING Defer taxes to a later date when in a lower tax bracket 3 GROWTH OPPORTUNITY Because taxes are deferred more of the investment keeps growing 4FLEXIBILITY Choice of income level: 4% to 8%
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6 INTEREST INCOMEDIVIDEND INCOMECAPITAL GAINSRETURN OF CAPITAL DIFFERENT TYPES OF INCOME = DIFFERENT LEVELS OF TAXATION Top marginal tax rate in Ontario 46.41%. Source: Ernst & Young. Taxes paidIncome kept
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7 DIFFERENT TYPES OF INCOME = DIFFERENT LEVELS OF TAXATION Of the four forms of income, return of capital is the most tax efficient. Taxes paid Income kept Top marginal tax rate in Ontario 46.41%. Source: Ernst & Young. MORE TAXES = MORE NEEDS TO BE WITHDRAWN FOR DESIRED CASHFLOW
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8 ACCESSING ROC FOR TAX EFFICIENT INCOME Income is taken from the original investment, which is tax free WHAT IS RETURN OF CAPITAL
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9 SERIES T FOR VARIOUS GROWTH SCENARIOS The above graphs are for illustrative purposes only WITHDRAWAL RATE IS EQUAL TO THE RETURN OF THE INVESTMENT 5% WITHDRAWAL RATE AND 5% RATE OF RETURN Monthly Cash Flow (RHS) Capital Invested (ACB) Year Growth on Capital Invested
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10 SERIES T FOR VARIOUS GROWTH SCENARIOS INVESTMENT RETURN IS HIGHER THAN WITHDRAWAL RATE 5% WITHDRAWAL RATE AND 6% RATE OF RETURN The above graphs are for illustrative purposes only Year Capital Invested (ACB) Monthly Cash Flow (RHS) Growth on Capital Invested
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11 SERIES T FOR VARIOUS GROWTH SCENARIOS WITHDRAWAL RATE IS HIGHER THAN THE RETURN OF THE INVESTMENT 5% WITHDRAWAL RATE AND 4% RATE OF RETURN The above graphs are for illustrative purposes only Monthly Cash Flow Growth on Capital Invested Capital Invested (ACB) Year
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12 WHY CHOOSE DYNAMIC SERIES T? A broad lineup of investments From fixed income to balanced, to Canadian or global equity funds, Dynamic Corporate Class gives you choice; you have a broad range of investment options An award-winning portfolio management team With Dynamic Corporate Class, you benefit from the strength of industry- leading portfolio management
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13 SERIES T + CORPORATE CLASS Assets ($) SERIES TCORPORATE CLASS DECUMULATIONACCUMULATION
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14 DYNAMIC CORPORATE CLASS When you invest in a corporate class mutual fund it is under the umbrella of the corporation Each mutual fund is a part – or a share – of the corporation
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15 ABOUT DYNAMIC FUNDS Dynamic Funds began life as a small investment club in Montreal in 1957 and has since grown into an award-winning family of funds, encompassing more than 80 investment products with the loyal support of Financial Advisors and Investors nationwide We offer a comprehensive range of products and services that span every major sector, asset class, geographic region and investment discipline Today, Dynamic Funds is one of the largest fund families in Canada, bringing together some of the most astute investment professionals in the country
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THANK YOU!
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17 Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Dynamic Funds ® is a division of Goodman & Company, Investment Counsel Ltd. Goodman & Company, Investment Counsel Ltd. is an affiliate of DundeeWealth Inc. IMPORTANT INFORMATION
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