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Choose peace of mind with a personal financial plan

Investors who want to grow their savings and make their dreams come true rely on a personal financial plan. In addition to providing a framework, it allows them to cope with the inevitable market volatility more effectively.

A financial plan to put you on the right path

A financial plan is basically a tool that helps an individual or a family meet their needs and manage their overall financial situation throughout their lifetimes and in response to life-changing events. It takes into consideration income, savings, taxation and insurance, and it usually has as its starting point a specific need, such as accumulating funds to buy a house or to retire.

Investment is part of the journey you take as an individual to achieve your goals. To plan your route, you must answer a number of questions that will help you establish an optimal savings plan that will enable you to achieve your goal.


Depending on your level of financial literacy, you may have the answers to all these questions, or possibly just a few of them. Other factors will affect your plan, such as your age, assets, job stability and income. With all this information, you can set yourself on a path that will allow you to achieve your goal.

A bulwark against market fluctuations

In times of heightened volatility, such as the conditions we’ve experienced in recent months, having a well-established savings strategy is quite beneficial.

The reassuring effect

The fact that you have a financial plan is reassuring. The key is to develop and maintain a savings strategy aligned with your goal, your investment horizon and your risk tolerance.

The neutralizing effect

A financial plan enables you to keep a cool head. By neutralizing your emotions, you can avoid short-term, random trading, which may cause you to lose money.

At a time when financial markets are more volatile than normal, a financial plan is an effective way to maintain your peace of mind.

Simplify your life by consulting a professional!

Building a financial plan isn’t rocket science, but it does take a little time. If your days are full and every moment counts, why not ask an advisor to help you with this process?

  • Your advisor will work with you to develop the right financial plan, regardless of your age or assets.
  • Your advisor will periodically review the plan with you and adjust it according to your life events.
  • Your advisor will explain how to optimize your financial situation so that you can save more while increasing and preserving your assets.

Want to take action? Contact the Advisory Services team at FÉRIQUE Investment Services.

FÉRIQUE is a registered trademark of Gestion FÉRIQUE and is used under license by its subsidiary, Services d'investissement FÉRIQUE. Gestion FÉRIQUE is an Investment Fund Manager and assumes management duties in relation to the FÉRIQUE Funds. Services d'investissement FÉRIQUE is a Mutual Fund Dealer and a Financial Planning Firm, as well as the Principal distributor of the FÉRIQUE Funds. Please note that for commercial purposes, Services d'investissement FÉRIQUE is also known in English as FÉRIQUE Investment Services.

There may be brokerage fees, trailing commissions, management fees and expenses associated with investment in the Funds. Management expense ratios vary from one year to another. Please read the prospectus before investing. Mutual funds are not guaranteed, their values fluctuate frequently and past performance may not be repeated

The hypothetical rates of return or mathematical tables are used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or returns on investment in the mutual fund.

The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns.

This document is intended for informational purposes only. The information provided does not constitute investment, financial, legal, accounting or tax advice. You should not act on the information without seeking the advice of a professional.