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Rahul SavaniInsurance & Investments
Rahul SavaniInsurance & Investments
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Rahul SavaniInsurance & investments · Ontario

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Investments & wealth-building

A plan for your money that makes sense to you.

Good investing is rarely exciting. It's knowing what each dollar is for, using the right accounts, keeping costs and risk in view — and staying with the plan when markets get noisy.

On this page

A young couple talking through plans together at a laptop

Investment planning

A clear plan for your savings that matches your goals, your timeline and how much ups and downs you're comfortable with.

[CONTENT / CREDENTIAL REQUIRES CLIENT CONFIRMATION] Confirm which investment products Rahul is licensed to offer (e.g. mutual funds, segregated funds, GICs).More about investment planning

What we’ll cover

  • Setting goals with real dates and amounts attached
  • Understanding risk, diversification and costs before you invest
  • Regular reviews as your income and priorities change

Worth a conversation if

  • You have savings sitting in a chequing account
  • You've started investing but aren't sure it adds up to a plan

TFSA, RRSP & FHSA

Canada's registered accounts can make a real difference over time — once you know which one fits which goal.

More about TFSA, RRSP & FHSA

What we’ll cover

  • What each account is designed for and how withdrawals are treated
  • Choosing an order of priority that suits your situation
  • Newcomer specifics, such as when contribution room begins

Worth a conversation if

  • You're new to Canada
  • You're saving for a first home
  • You're not sure whether to choose a TFSA or an RRSP

Retirement planning

Working out what retirement could look like for you, and the steps that get you there — including how government benefits fit in.

More about retirement planning

What we’ll cover

  • Estimating the income you'll want in retirement
  • How CPP and OAS fit alongside your own savings
  • Turning savings into income when the time comes

Worth a conversation if

  • You're in your peak earning years
  • You'd like to know if you're on track

Education savings (RESP)

Saving for your children's or grandchildren's education, and making sure you collect the government grants available to you.

More about education savings (RESP)

What we’ll cover

  • How RESPs and the Canada Education Savings Grant work
  • Family vs. individual plans
  • Setting a contribution rhythm you can keep up

Worth a conversation if

  • You have young children or grandchildren
  • You've opened an RESP but aren't sure it's set up well

Registered accounts at a glance

Four accounts, four different jobs.

Contribution limits and rules are set by the Government of Canada and can change. We'll confirm the current rules for your situation.

  • TFSA

    Tax-Free Savings Account

    Growth and withdrawals are tax-free. Flexible for almost any goal.

  • RRSP

    Registered Retirement Savings Plan

    Contributions can lower your taxable income now; withdrawals are taxed later.

  • FHSA

    First Home Savings Account

    For first-time buyers: contributions are deductible and qualifying withdrawals are tax-free.

  • RESP

    Registered Education Savings Plan

    Saves for a child's education and can attract government grants.

Official rules on Canada.ca(opens in a new tab)

Savings illustration

See how time and consistency work together.

Move the sliders to see how regular monthly saving could grow at a rate you choose. It's a way to explore the effect of time — not a prediction.
$300
20 yrs
5.0%

You choose the rate. It is not a forecast and not the return of any product.

Contributed over 20 yrs
$72,000
Illustrated growth
$51,310
Illustrated total
$123,310
Year-by-year values are available in the table below.
Show year-by-year table
Illustrated balance by year
YearContributedGrowthTotal
1$3,600$84$3,684
2$7,200$356$7,556
3$10,800$826$11,626
4$14,400$1,504$15,904
5$18,000$2,402$20,402
6$21,600$3,529$25,129
7$25,200$4,899$30,099
8$28,800$6,522$35,322
9$32,400$8,413$40,813
10$36,000$10,585$46,585
11$39,600$13,052$52,652
12$43,200$15,829$59,029
13$46,800$18,933$65,733
14$50,400$22,379$72,779
15$54,000$26,187$80,187
16$57,600$30,373$87,973
17$61,200$34,957$96,157
18$64,800$39,961$104,761
19$68,400$45,404$113,804
20$72,000$51,310$123,310

How this is calculated: contributions are made at the end of each month; the hypothetical annual rate is compounded monthly (rate ÷ 12). The illustration ignores fees, taxes, inflation and market ups and downs, and real returns are not steady or guaranteed. It is for education only and is not investment advice or a projection of any product’s performance.

[CONTENT / CREDENTIAL REQUIRES CLIENT CONFIRMATION] Confirm which investment products Rahul is licensed to offer (e.g. mutual funds, segregated funds, GICs).

Let’s give your savings a clear purpose.

We'll talk through your goals, your timeline and your comfort with risk, and map out a plan you can stick with.

Your message comes straight to me.— Rahul

Talk to RahulCall +1 (519) 781-3594