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@Florida

My suggestion

dangdang99(dangdang99)
本文发表在 rolia.net 枫下论坛It depends on your finiancial condition.

If you have a good income and more than 100k in bank, and you have enough knowledge about finiancial, it is a choice for insurance and investment. Maybe good choice.

the following is what I suggest to Faya:

(Hi faye, if you income is high, check your RRSP room and buy the full amount. And, make an appointment with an investment consultant and told him or her your finicial situation, and they would give you some several option to choose. And you decide which one is best for you.
Personally, I suggest BMO, they have Maderin service.

If you are new immigrant and have some extra money, you can choose GIC. The rate depends on time and amount of money.(it's diff in diff bank).
For example: You can save 4000 at 3 month, 4000 at 6 month, 10000 at 1 year, and another 5000 at one year open(it means you could withdraw at any time after 1 month but the rate is good). If you still have much more, talk to an investment consultant .

Good luck. )

(If you don't know a lot about finicial, choose the low risk investment.
And, choose the big 5: CIBC, SCOTIA BANK, BMO, TD AND RBC.
Personally, I think bigger is better. )更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#1236919@0)
Last Updated: 2003-6-12
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Replies, comments and Discussions:

  • 枫下家园 / 理财投资税务 / 请问谁知道london life保险的情况呀？我也在想买保险，觉得挺必要的，可签了又有点犹豫了，还有一周的反悔期。诸位给点建议吧！ -mimidong(猫咪); 2003-6-10 (#1233139@0)
    • 生死由命, 富贵在天, 买什么保险. -xiaolin(小蚊子); 2003-6-10 (#1233142@0)
    • Is that agent from Shenglin? See the suggestions upstair about RBC Insurance -dangdang99(dangdang99); 2003-6-10 (#1233211@0)
      • 确实是shenglin的，是那种付20年，每年有分红，死了有赔偿金的。那个agent说如果以后不想要了，可以转成paid-up的，不需要再交钱，就是死亡赔偿金和分红会少很多。我觉得好象有点太好了。国内的保险，如果中途不买了都是亏本的。 -mimidong(猫咪); 2003-6-12 (#1236552@0)
        • My suggestion -dangdang99(dangdang99); 2003-6-12 {1189} (#1236919@0)
          本文发表在 rolia.net 枫下论坛It depends on your finiancial condition.

          If you have a good income and more than 100k in bank, and you have enough knowledge about finiancial, it is a choice for insurance and investment. Maybe good choice.

          the following is what I suggest to Faya:

          (Hi faye, if you income is high, check your RRSP room and buy the full amount. And, make an appointment with an investment consultant and told him or her your finicial situation, and they would give you some several option to choose. And you decide which one is best for you.
          Personally, I suggest BMO, they have Maderin service.

          If you are new immigrant and have some extra money, you can choose GIC. The rate depends on time and amount of money.(it's diff in diff bank).
          For example: You can save 4000 at 3 month, 4000 at 6 month, 10000 at 1 year, and another 5000 at one year open(it means you could withdraw at any time after 1 month but the rate is good). If you still have much more, talk to an investment consultant .

          Good luck. )

          (If you don't know a lot about finicial, choose the low risk investment.
          And, choose the big 5: CIBC, SCOTIA BANK, BMO, TD AND RBC.
          Personally, I think bigger is better. )更多精彩文章及讨论，请光临枫下论坛 rolia.net
          • 买GIC不如买Canadian Government Bond。我不喜欢买GIC, Bond的优点在于1) 2年以上的Bond一般回报大于GIC 2) Govenment Bond没有本金/Coupon风险。 -xiaolin_toronto(小林); 2003-6-13 (#1237554@0)
        • Do you have his business card? I can't trust the agent who use free email service instead of company email service. It's not professional. -dangdang99(dangdang99); 2003-6-12 (#1236924@0)
        • 别担心，我和你买的一样。而且也是在SHENGLIN做的。已经第3年了，感觉不错，年年回报超过7%，实实在在。而且有GUARANTEE写在保单上，安心。 -direct(直来直去); 2003-6-16 {159} (#1242216@0)
          一看楼上楼下这些发表议论的，不少其他公司的AGENT吧？哈哈，都上这抢生意来了？别在这坑人了。我的买了UL的朋友，现在只能当是把交的钱捐献了。嗨，便宜没好货。真理呀！
    • Whole Life? If it is, take your money back, otherwise you will probably be reget as I was. -rudy2000(rudy2000); 2003-6-10 (#1233217@0)
    • if you need life insurance, buy term life, invest your money to mutual fund or bond, never think about universal life -iioii(云清); 2003-6-12 (#1236399@0)
      • 话是不错，不过也不能把鸡蛋都放在一个篮子里，我觉得做为家庭投资，房产，股票，债桊，储蓄，保险都应该有一点的，如果可能的话，买一点古董，字画，邮票，也是不错的选择。 -carelesswhisper(无心快语); 2003-6-12 (#1236724@0)
        • 那也得有足够的鸡蛋吧，要是足够的话，还不如投资政治呢 -vega_lee(非典型天津人); 2003-6-12 (#1236732@0)
          • NOD,NOD -jameschen6(梦想农庄); 2003-6-14 (#1236974@0)
        • 对自己不懂的不要去投资，乱投资比不投资更糟糕。 -xiaolin_toronto(小林); 2003-6-13 (#1237546@0)
    • It must be London life's Whole life product... -airforce1(FeiFei); 2003-6-12 {336} (#1236664@0)
      You can get dividentd from Whole life. But no insurance company guarantee how much dividend you will get. If the agent told you it is guaranteed, then it is not true.

      I bought a better one for my wife last week with guaranteed return. And the return rate is between 6% to 7% annually. Send email to me if you need to know more info.
    • BTW, London Life is not a public owned company. It's private owned, not like RBC, TD and CIBC. AND, it's sold to Greatwest Insurance last year. -dangdang99(dangdang99); 2003-6-12 {94} (#1236933@0)
      And I cannot get more info about the relationship between Shenglin, London Life and GreatWest.
      • london life不是有一百多年的历史了吗？你说它被收购了，是因为它业绩不好，可能以后会没有保障是吗？ -mimidong(猫咪); 2003-6-12 (#1237425@0)
        • Nope. -jeffrey815(Smartiecat); 2003-6-16 (#1241976@0)
    • if you like, I can print several kinds of life insurence's illustration to help you make decision. It is free. my cell: 416-8982831 I can also tell you the difference of different comany's. -zhangguowei(david_zgw); 2003-6-13 {231} (#1238358@0)
      you should better compare 3-4 kinds of life insurence product before you make decision. if you have interest, I can print several kinds of life insurence's llustration for you. It is free. I will help you to make a final decision.
    • I suggest -autumnatan(家有福猫); 2003-6-16 {291} (#1241913@0)
      my plan to you .I think it is good for me.
      Famale 28 ,Basic plan :UL 200k+ 100k spouse term+50K critical illness
      premium:105$/m(return:8% not guarantee )
      You can compare this plan to London Life.if you are interested in the plan,you can contact with me by email,and I give you some idea.

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