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Exploring the impact of interest rate changes

with Senior Portfolio Manager, Ian Fung 

Ian Fung, Senior Portfolio Manager at Empire Life Investments Inc., briefly discusses how Central Banks address inflation, then explores:

• The move to lower interest rates in 2024 from post pandemic highs
• Progress made in the fight against inflation and the last mile challenge
• Differences between how Canada and the US manage interest rates

Ian also notes divergences emerging between the Canadian and US economies and offers insights on where interest rates may head in the near future.

The Tax, Retirement and Estate Planning team (TREP-team) offers you three value-added approaches for your complex, high-value cases (starting at $10,000 annual premium) that demand specialized expertise:

1. Evaluation: Our TREP-team helps you evaluate your client's situation and ensures you have the information you need to make the most suitable recommendations.

2. Collaboration: Our team works with you, your client and their lawyers/accountants to position their situation, priorities and goals.
3. Empowerment: We provide you with an easy-to-follow strategy presentation that will help your clients visualize and understand how to achieve their financial goals.

Need help with a large case?

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Offer your clients the peace of mind they deserve with our lowest cost Term to 100 20 Pay permanent life insurance. Guaranteed premiums for life provide long-term stability, a key differentiator in the 20 Pay market.

Dave Paterson, Portfolio Manager, shares insights on market action in the third quarter of 2024. It was a rewarding quarter for investors, with both equity and fixed income markets delivering solid gains. Dave also provides a review of his management of the Empire Life Multi-Strategy segregated fund portfolios in language that’s suitable for your investors.

Stay up-to-date on Empire Life’s Multi-Strategy portfolios with the Q3 Holdings Update for Advisors. 

The Financial Markets at a Glance infographic provides a high-level, visual way to explain the past quarter’s market changes to your clients. It presents a brief overview of world events and their impact on global markets. Easily digestible bits of information are broken down by Canadian, U.S., global equities and fixed income using colourful graphics and symbols so you can give your investors a big picture overview of what happened in Q3 2024.

We're thrilled to announce the launch of six new segregated funds designed to help provide your clients with greater choice and investment growth potential. These additions to our Guaranteed Investment Fund (GIF) contract offer a range of options to help you meet diverse client needs.

• Empire Life Vanguard Conservative Income ETF Portfolio GIF
• Empire Life Vanguard Conservative ETF Portfolio GIF
• Empire Life Vanguard Balanced ETF Portfolio GIF
• Empire Life Vanguard Growth ETF Portfolio GIF
• Empire Life American Growth GIF
• Empire Life Purpose Global Bond GIF

We're confident that these new segregated funds (combined with the six funds launched earlier this year), the First Home Savings Account and your expanded Empire Life toolkit will allow you to create tailored solutions to help your clients achieve their financial goals. 

We've added three handy Quick Links to My Advisor Dashboard:

1. Forms Search: Access all needed forms with one click.

2. Advisor Compliance Program: Stay up-to-date with industry and regulatory requirements. Get direct access to the Advisor Compliance Library and CE-accredited webinars on demand.

3. Information Circular Archive: Access the complete library of Information Circulars with a search function to find Empire Life product information and updates.

Concerned about a service disruption at Canada Post? Our courier functions remain fully operational, ensuring timely delivery of urgent documents and packages. We’re also maximizing the use of email for communication and transactions.

We'll continue to provide updates as the situation evolves. As always, please don't hesitate to reach out to us at 1-877-548-1881 with any questions or concerns.