Your goals deserve more than a one-size-fits-all investment
Investing is not simply about choosing a product. It is about deciding what your money needs to accomplish, when you need it, and how much uncertainty you are prepared to accept along the way.
TruCover helps coordinate registered and non-registered investment strategies so your portfolio can support near-term priorities, major life goals and long-term wealth accumulation.
Investment solutions for different stages of life
Different accounts serve different purposes. The right mix depends on your personal circumstances and objectives.
TFSA
Tax-free growth and flexible access for short-, medium- and long-term goals.
RRSP
Build retirement assets while using eligible contributions as part of your tax planning.
FHSA
Save toward a qualifying first home using a registered account designed for that objective.
RESP
Build education savings and take advantage of applicable government education incentives.
RDSP
Long-term savings planning for eligible individuals with disabilities, including applicable grants and bonds.
Non-Registered Investments
Flexible investing beyond registered-account limits, coordinated with your broader wealth strategy.
Why invest with TruCover?
Planning Before Products
Your recommendations begin with your financial objectives and suitability—not a predetermined product.
Integrated Perspective
Coordinate investments with insurance, retirement and estate-planning considerations.
Ongoing Reviews
Revisit your strategy as markets, goals, family circumstances and timelines evolve.
Start with the plan—not the product
We begin with your objectives, time horizon, risk tolerance and existing financial picture, then evaluate suitable investment structures and solutions.
Invest around the life you want to build
Your portfolio should reflect the purpose behind the money.
1
Major Life Goals
Home ownership, education, travel and other planned milestones.
2
Retirement Freedom
Build assets today to support income and lifestyle choices later.
3
Family & Legacy
Coordinate wealth accumulation with protection and estate objectives.
From financial goals to investment strategy
1
Discover
Understand your goals, finances, priorities and existing investments.
2
Design
Develop an account and portfolio strategy aligned with your profile.
3
Implement
Put suitable investment solutions in place with clear objectives.
4
Review
Monitor progress and adjust when your needs or circumstances change.
A disciplined approach to investing
1
Goal-Based Planning
Define what each pool of money is intended to achieve before selecting an investment strategy.
2
Risk & Time Horizon
Align the portfolio with your capacity and willingness to accept investment fluctuations.
3
Diversification
Spread exposure across suitable investments rather than relying on a single asset or idea.
4
Tax-Aware Structure
Coordinate TFSA, RRSP, FHSA and non-registered assets based on the role each account can play.
Frequently asked questions
The answer depends on the goal, time horizon, tax considerations, contribution room and need for access. Often, more than one account is used as part of a coordinated plan.
Not necessarily. A consistent contribution strategy can be designed around available cash flow and adjusted over time.
Yes. An investment review can consider your existing holdings, account structure, objectives, time horizon and risk profile before discussing possible changes.
No. Market-based investments can rise or fall in value. Certain products may include specific guarantees subject to their contract terms, conditions and costs.
Quick Assistance