People save money to meet many different objectives. We recommend that all clients establish a cash reserve first. This is a liquid account to handle emergencies. We assist you with selecting a realistic cash reserve target.

Additional money above the reserve objective must be considered an investment. Without plans on how this extra money is to be allocated, you unconsciously decide that this extra money is invested in a low yielding and fully taxable cash account.

We offer savings account options that are safe and guaranteed. Once your reserve target has been achieved we encourage our clients to diversify their savings concurrently into different accounts having unique objectives. Short term needs for cash can be handled by liquid accounts, whereas long term objectives may require alternative investments providing tax advantages and potentially higher returns.

We offer high-yield daily interest options. In addition, we have unique guaranteed options where the return is based on capital gains and taxed in a more favourable manner. Contact us to find out which option suits your short term cash reserve needs.