Desjardins Financial Security
Independent Network and Investments Inc.
2301 Carling Ave.,
Suite 200
Ottawa, ON K2B 7G3
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Home > Financial Planning > Tools
Tools
| Calculators |
- Fidelity Retirement
Readiness Snapshot™ - Want to get a quick picture of where you
are in saving for retirement? With just six simple questions, Snapshot
shows you how close you are to what you'll need for retirement. And once
you're done you can manipulate different factors to see how adjusting your
plans can bring you closer to your goals. Then print a report to study
further and discuss with your advisor.
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RIF/LIF Illustrator - Find out how much income your
Registered Savings plan will generate in retirement.
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RRSP Calculator - Calculate how much you will
need to save between now and the day you retire.
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RRSP Illustrator - Get a personalized assessment
of the tax benefits you gain by investing in your RRSP.
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| Financial Planning |
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RRSP Loan Planner - Find out how an RRSP loan could help boost your income at retirement.
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Register/Non-Register Comparison - Weigh the benefits of
registered versus non-registered growth.
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Your Estate Plan – Getting Started - Thinking about death and
putting off planning your estate – one is difficult and the other is very
easy. Together, if they remain ignored, the two can combine to create a
sticky situation for you and your beneficiaries.
Use our 5-step process to get you started on your plan, then work with
your advisor to put your plan in action.
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RRSP or Capital Gains? Why not both? - Does investing in an RRSP still make sense?
This one-page summary gives you the facts.
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| Calculators |
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Growth calculator - Shows the growth of a lump
sum or periodic investment over a given number of years. You choose the
rate of return, inflation rate, and tax rate.
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Spend and save calculator - Calculates the amount of
savings by cutting back or reducing various types of spending. Expenses on
items, such as 'dining out', entertainment, or impulse purchase, can
significantly increase savings, year over year.
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| Financial Planning |
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Advantage of Early Investing - Learn the
importance of investing early and on a regular basis.
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Investment & Regular Deposit - See how your one time
investment or regular deposit program will grow over the years.
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Investment & Regular Withdrawal - Calculate the regular income
stream generated by your non-registered investment.
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RESP Calculator - Discover how much your money
can grow in an RESP with the added contributions from the Canadian Education
Savings Grant. This tool also helps you figure out how much you will need to
save for your children's education.
- T-Series Investment Guide - Looking for a way to
generate tax-efficient income? This brochure can help you. Understand how
Mackenzie T-Series mutual funds combine non-taxable return of capital with
specified taxable income to provide you with a steady income stream. The
charts illustrate hypothetical T-Series examples to help you plan for your
future income needs.
- Mackenzie
Mutual Fund Tax Guide - Do you understand how to file the tax slips you
receive from your mutual fund investments? The Mackenzie Mutual Fund Tax
Guide provides you with a summary of tax information designed to help you
prepare your annual tax return.
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Income Splitting - One of the easiest ways for families to reduce taxes is through properly
structured income splitting, that is, shifting income from a family member
in a high tax bracket to those who pay a lower rate of tax. This brochure
shows you how income-splitting can leave your family with more funds
available for other financial planning goals.
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| Calculators |
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Mortgage Qualifier - Thinking about buying a home
but don't know whether you would qualify for a mortgage? Use this calculator to
find out how much you could qualify for and what your monthly payments would
be.
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Mortgage and Loan Amortization Scheduler - Want to know how much your
mortgage will actually cost you? This easy to use tool provides a detailed
payment schedule for your mortgage or loan based on the mortgage or loan
amount, payment frequency, interest rate and the amortization period
information you provide.
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Debt Consolidator - Looking to consolidate your high
interest debt into one easy to manage payment? This calculator can show you how
much you might save by consolidating your debt at a lower interest rate.
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| Calculators |
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T-SWP ® calculator - The Fidelity T-SWP calculator can help you learn
more about our free tax-efficient cash-flow service (T-SWP) and how it can
meet your cash flow needs. Consult your financial advisor for more
information.
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Tax calculator - Fidelity's Tax Calculator
allows you to enter information for common income, RRSP contributions,
additional deductible items, and taxes paid, in order to estimate your tax
refund or balance owing. You will find a summary that highlights the tax
savings resulting from your RRSP contribution and the impact it has on
your taxes. We recommend you consult your investment professional or tax
advisor for a comprehensive review of your personal tax situation.
Calculations are available for the last two taxation years. Before you
start, you may wish to review the calculator's assumptions and
instructions.
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Special savings estimator - Determines the amount of
savings required to purchase a car, boat, house or other big ticket items.
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Household Cash Flow Statement - The first step in building a
wise financial plan is determining your family's income and expenses. This tool
makes it easy.
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Net Worth Statement - Complete your personal
financial picture by pin pointing your personal assets and liabilities.
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To improve readability, any reference to "Desjardins Financial Security Independent Network" on this site also includes the SFL network (Quebec), unless otherwise indicated.
Desjardins Financial Security Independent Network - formerly LFS Laurentian Financial Services - is a registered trademark owned by Desjardins Financial Security.
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