Prestige preferential pricing
Advantageous pricing to maximize the growth of your personal, family or business investments.
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With Prestige preferential pricing you benefit from reduced management fees, which boost your investment returns. You can gain access to it as soon as your investments with iA Financial Group total $300,000 or more.
To facilitate access to this eligibility threshold, you can create a family grouping to combine your assets with those of your family members who reside at the same address. Each member will benefit from reduced fees—an advantage you can even share with other members of your extended family, regardless of their place of residence and asset level.
The main advantages of Prestige preferential pricing
- Boosts your investment returns by reducing your management fees
- Can be shared with members of your extended family, regardless of their place of residence and asset level
- Available with all registration types offered in our Series 75/75 and Series 75/100 segregated funds (RRSP, TFSA, etc.) and in My Education+ (RESP)
- Included with all the benefits of segregated funds, such as possible creditor protection and quick settlement in the event of death
Investment scenario
- Individual or family grouping with $350,0001
- Prestige preferential pricing providing a 0.41% reduction in management fees
- Annualized net returns of 6.64% (6.23% + 0.41%), taking into account the fee reduction
1Invested in the Series 75/100 Diversified Income fund with an annualized net return of 6.23%.
Potential gains
The amounts presented are for information purposes only.
Additional information
Eligibility
Any individual, family grouping or business owner with eligible investments who meets the $300,000 threshold can access Prestige preferential pricing.
Eligible investments
Almost all of the savings plans and investment funds we offer can be used to meet the asset threshold:
Plans
- Registered retirement savings plan (RRSP)
- Tax-free savings account (TFSA)
- Non-registered savings plan
- Registered education savings plan (RESP)
- RRIF, LIF, LIRA
Investment Funds
FAQ
Can I create a grouping myself?
The grouping must be created and modified with your advisor’s assistance.
What family relationships are accepted for membership in a grouping?
All family relationships are accepted. However, only the assets of family members who reside at the same address as the grouping owner will be considered in meeting the $300,000 threshold. When the grouping is eligible, Prestige preferential pricing can be shared among all family members, regardless of their asset level or place of residence.
Does the roommate, who is my brother’s best friend, qualify?
No, because he is not a family member.
Does my cousin’s son who lives in another province qualify?
Yes, the family relationship is the only criterion. Distance does not matter.
If I want to create a grouping with my partner, do we have to be married to do so?
No, you do not have to be married to create a grouping. You only need to be partners.
What happens if the value of the grouping falls below $300,000?
If the threshold is no longer met, the members of the grouping may eventually lose the benefit of Prestige preferential pricing. However, you will continue to benefit from Prestige preferential pricing if the contract’s reduced balance is due to a market downturn.
Can the corporate contracts of the shareholders named in the resolution of a contracting company be taken into consideration?
These contracts can be taken into account when determining a grouping’s eligibility. The shareholders named in the resolution of a contracting company can use 100% of the corporate contract’s assets to more easily meet the required threshold for Prestige preferential pricing.
How do I obtain preferential pricing?
Leaders in segregated funds in Canada
Contribute to your registered or non-registered savings plans with iA Financial Group.
Once you meet the $300,000 threshold, you will automatically gain access to Prestige preferential pricing.
Combine your assets with those of family members residing at your address.
Contact your financial security advisor to arrange for all members of your family to benefit from reduced management fees.