Building a Secure Future as a Single Parent

Her biggest concern wasn’t just growth—it was: “What happens to my savings if life throws me off track?”

• Grow her savings consistently over time

• Protect what she’s building for her children

• Stay flexible with her monthly budget

• Provide certainty, not just projections

• Investor Profile: Moderate (balanced growth with controlled risk)

  • Initial RRSP: $42,000

  • Monthly contribution (PAD): $500/month

  • Investment vehicle: Segregated Funds (inside RRSP)

  • Target rate of return: 12% annually

Why 12% Changes the Game (Rule of 72)

Using the Rule of 72:

72 ÷ 12 = 6 years

This means Melissa’s money has the potential to double approximately every 6 years.

Her projected growth path:

• Age 30 → $42,000

• Age 36 → ~$84,000

• Age 42 → ~$168,000

• Age 48 → ~$336,000

• Age 54 → ~$672,000

Even before age 65, Melissa is already positioned to surpass her $500,000 goal—and that’s before factoring in her ongoing $500/month contributions

With her $500/month disciplined contributions, Melissa is not just relying on growth, she’s accelerating it. This combination of:

• High compounding (12%)

• Consistent investing

…creates a powerful wealth-building engine.

For Melissa, this wasn’t just about maximizing returns, it was about protecting momentum.

1. Capital Guarantees

• 75%–100% protection at maturity or death

• Helps safeguard her progress even if markets decline

2. Creditor Protection

• Adds a layer of security in uncertain life situations

3. Probate Bypass

• Funds go directly to her children

• No delays, no unnecessary legal costs

4. Peace of Mind

She’s not just investing, she’s ensuring her kids are protected no matter what happens.

With a 12% average return and consistent contributions:

• Melissa is on track to significantly exceed $500,000

• She may reach her goal years earlier than planned

• Her savings are protected and structured for her family’s benefit

Higher returns can accelerate wealth—but without protection, they can also increase risk.

Melissa’s strategy balances both:

• Growth through compounding

• Protection through structure

It’s not just about how fast your money grows.

It’s about:

• How safely it grows

• How consistently you invest

• How well it’s protected for the people who depend on you

If you’re working hard to build your future but your investments lack protection… You’re taking on more risk than you need to. Let’s build a strategy that grows faster, and protects what matters most.