CI Investments’ high net worth platform, featuring a simple pricing structure and streamlined administration
As your wealth grows, so does the need to organize your investment portfolio with care, efficiency and tailor-made solutions that address your unique, evolving circumstances.
The key elements of CI Prestige include:
Automatic discounted pricing models for you and your extended family
Specialized portfolio management and choice of investments
Enhanced account reporting
Automatic discounted pricing model
CI Prestige is designed to provide affluent investors with automatic pricing benefits that increase as invested assets grow.
CI Prestige is available to individual or family group investment accounts starting at $100,000.
CI Prestige pricing model:
- Discounted pricing automatically applied
A tiered flat fee pricing model ensures that investment management and administrative fee discounts are applied on all eligible investments, back to the first dollar invested. Additional discounts apply to larger asset bases.
- High watermark protection
Gives investors the benefit of locking in at the highest peak in value of all qualifying investments for discounted pricing due to market performance, with no penalties for negative performance.
- Extended family pricing
Multiple accounts for individuals or qualifying extended family members living at different addresses can be linked as a Family Group for pricing and/or reporting purposes once a family threshold of $100,000 is reached.
Experienced and specialized portfolio management and a broad choice of investments
CI Prestige provides access to a broad spectrum of investment solutions designed to address the unique, complex and evolving financial goals of affluent investors. With access to some of the best investment management available to Canadian investors, CI Prestige makes it possible to construct a complete portfolio that accurately reflects your financial objectives and risk tolerance.
The program’s broad range of portfolio options allows you to pursue investment opportunities that are diversified, not only across asset classes such as equities, bonds and real estate, but also by country, market capitalization, industry sector and investment style. Our boutique portfolio managers also offer sophisticated and specialized investment approaches.
All of CI Prestige’s investments are continually monitored and evaluated to ensure their strategic focus and consistent performance by CI Multi-Asset Management, our in-house team of investment management experts.
CI’s strength comes from our lineup of portfolio managers and the variety of expertise and experience that they provide – all under one roof.
Rather than offering just one investment style, CI has engaged professional money managers in all disciplines: value, blend (growth at a reasonable price) and growth.
These managers have been selected for their strategic focus, consistent discipline and long-term track record of investing here in Canada and around the world.
As your wealth grows, so too does your need for strategic investing. CI Prestige takes tax planning beyond conventional options, such as Registered Retirement Savings Plans, offering products and solutions that can help minimize your tax burden and maximize your portfolio’s potential for growth or income.
Using Canada’s oldest and largest corporate class structure, CI Prestige allows you to:
- Achieve tax-deferred compound growth outside your registered accounts
- Receive tax-efficient capital gains or Canadian dividends from all funds, regardless of the mandate
- Benefit from a low dividend payout policy.
CI Prestige account linking and comprehensive record-keeping features also make it simple to strategically allocate your family’s investments across registered and non-registered accounts to realize maximum tax efficiency.
Tax-effective cash flow
When you are ready to draw income from your portfolio, CI Prestige allows you to create a fully customizable, tax-efficient monthly cash flow stream, even as your savings continue to grow. Managing your level of taxable income can become especially important in retirement, when clawbacks can reduce certain income-based benefits such as Old Age Security.
Using CI Prestige’s optional T-Class platform, you can draw monthly income from your investments in the form of 100% tax-free return of capital. (These distributions reduce the adjusted cost base, or ACB of your investments. Over time, the ACB may fall to zero, at which point your payments will be distributed as capital gains, which are also taxed at a favourable rate).
Premium account reporting at $100,000 aggregate level
Investors in CI Prestige have the flexibility to select consolidated or individualized quarterly reporting once Family Group combined assets reach the $100,000 level.
By linking your extended family’s assets together for reporting purposes, CI Prestige can help bring your family’s full financial picture into focus.
If you choose to keep reporting separately, you can still link various family accounts for pricing purposes so you and your family will not miss out on any investment management and administrative fee discounts.
The program’s reporting to investors includes an online tax package at year end.
The benefits of linking family accounts include:
- Effective asset allocation across all accounts
- Detailed, quarterly consolidated statements
- Simplified record keeping
- Opportunities for fee reductions.
We believe strongly in the value of sound financial advice. Speak to a trusted advisor about how CI’s investment solutions can help you achieve your financial goals.
If you don’t have a financial advisor you may want to review: Why should I invest with a financial advisor?
Advisors, please contact your CI Sales Team representative to learn more.1-800-268-9374
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
This communication is provided as a general source of information and should not be considered personal, legal, accounting, tax or investment advice, or an offer or a solicitation to buy or sell securities. Every effort has been made to ensure that the material contained in this document is accurate at the time of publication. Market conditions may change which may impact the information contained in this document. All charts and illustrations in this document are for illustrative purposes only. They are not intended to predict or project investment results. Individuals should seek the advice of professionals, as appropriate, regarding any particular investment. Investors should consult their professional advisors prior to implementing any changes to their investment strategies.
Certain statements in this document are forward-looking. Forward-looking statements (“FLS”) are statements that are predictive in nature, depend upon or refer to future events or conditions, or that include words such as “may,” “will,” “should,” “could,” “expect,” “anticipate,” “intend,” “plan,” “believe,” or “estimate,” or other similar expressions. Statements that look forward in time or include anything other than historical information are subject to risks and uncertainties, and actual results, actions or events could differ materially from those set forth in the FLS. FLS are not guarantees of future performance and are by their nature based on numerous assumptions. Although the FLS contained herein are based upon what CI Investments Inc. believes to be reasonable assumptions, CI Investments Inc. cannot assure that actual results will be consistent with these FLS. The reader is cautioned to consider the FLS carefully and not to place undue reliance on FLS. Unless required by applicable law, it is not undertaken, and specifically disclaimed that there is any intention or obligation to update or revise FLS, whether as a result of new information, future events or otherwise.
Cambridge Global Asset Management, CI Multi-Asset Management, Harbour Advisors, Signature Global Asset Management, and Sentry Investment Management are each a division of CI Investments Inc. Certain funds associated with Signature Global Asset Management are sub-advised by CI Global Investments Inc., a firm registered with the U.S. Securities and Exchange Commission and an affiliate of CI Investments Inc.
Altrinsic Global Advisors, LLC., Black Creek Investment Management Inc., Epoch Investment Partners, Inc., Lawrence Park Asset Management Ltd., Marret Asset Management Inc., Munro Partners, Picton Mahoney Asset Management, QV Investors Inc., and Doubleline Capital L.P. are portfolio sub-advisors to certain funds offered and managed by CI Investments Inc.
Marret Asset Management Inc., is a majority owned subsidiary of CI Financial Corp. and an affiliate of CI Investments Inc. CI Financial Corp. holds a minority interest in Lawrence Park Asset Management. CI Financial Corp. holds a minority interest in Altrinsic Global Advisors, LLC.
Sentry Investment Management and the Sentry Investment Management logo and design are registered trademarks of CI Investments Inc. Signature Global Asset Management and the Signature Global Asset Management logo and design are trademarks of CI Investments Inc. CI Multi-Asset Management logo and design are trademarks of CI Investments Inc. Harbour Advisors logo and design are registered trademarks of CI Investments Inc. DoubleLine® and the DoubleLine logo are all registered trademarks of DoubleLine Capital L.P.
CI Prestige is a unified brand which combines the CI Private Investment Management (PIM), CI Private Wealth (CIPW) and CI Preferred Pricing (CIPP) platforms under a single administrative process and simplified fee structure. Effective April 1, 2020, PIM, CIPW and CIPC were replaced by CI Prestige to support the alignment of these three programs and to reflect the strength of CI Investments Inc.’s high net worth offering.
CI Investments® and the CI Investments design are registered trademarks of CI Investments Inc. CI Prestige and “Trusted Partner in WealthTM” are trademarks of CI Investments Inc.
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