{"id":10042,"date":"2024-10-15T15:00:45","date_gmt":"2024-10-15T19:00:45","guid":{"rendered":"https:\/\/www.batirente.com\/?p=10042"},"modified":"2024-10-17T15:53:20","modified_gmt":"2024-10-17T19:53:20","slug":"consolidating-your-assets-its-worth-it","status":"publish","type":"post","link":"https:\/\/www.batirente.com\/en\/consolidating-your-assets-its-worth-it\/","title":{"rendered":"Consolidating your assets, it\u2019s worth it!"},"content":{"rendered":"<div id=\"left-area\">\n<article id=\"post-6485\" class=\"et_pb_post post-6485 post type-post status-publish format-standard has-post-thumbnail hentry category-your-money tag-invest tag-rrsp tag-tfsa\">\n<div class=\"entry-content\">\n<p>Consolidating means bringing all your savings together in one place, and there are many advantages to doing so!<\/p>\n<p>Are there any fees for transferring my investments? Why consolidate, given that we\u2019re often told not to put all our eggs in one basket? How do I transfer my accounts to B\u00e2tirente? Here are answers to the questions you\u2019ve been asking us on this topic.<\/p>\n<p><strong>Are there advantages to consolidating my assets with B\u00e2tirente?<\/strong><br \/>\nYes! At B\u00e2tirente, the fee rate you pay gradually decreases as your group\u2019s assets grow, and paying lower fees means more money left for your own projects. This privilege is made possible by the pooled savings offered to our working or retired members as well as their spouses.<\/p>\n<p><strong>How can I learn about the fees related to my B\u00e2tirente plan?<\/strong><br \/>\nYou can find this information in the\u00a0<a class=\"btn-login btn-green\" href=\"https:\/\/www.batirente.com\/en\/my-account\/\">MY\u00a0ACCOUNT<\/a>\u00a0secure section as well as on your quarterly statement under the\u00a0<em><strong>Investments available for your plan<\/strong><\/em>\u00a0section. All fees paid are shown there, expressed as a percentage.<\/p>\n<p><strong>I consolidated my RRSP assets with B\u00e2tirente. Should I do the same thing with my TFSA?<\/strong><br \/>\nYes. B\u00e2tirente\u2019s fees are the same for all types of plans within the same group. An investment in\u00a0<a href=\"https:\/\/www.batirente.com\/en\/members\/i-contribute\/my-project\/\" target=\"_blank\" rel=\"noopener\">B\u00e2tirente\u2019s TFSA<\/a>\u00a0therefore benefits from the same cost savings as an RRSP or another plan. You need to verify beforehand whether your investment is redeemable at any time or at a fixed date.<\/p>\n<p><strong>Since a TFSA is not an investment that pays, why transfer it?<\/strong><br \/>\nActually, it\u2019sIt\u2019s not the plan type (TFSA or RRSP) that determines how well your investments perform but, rather, the investment type chosen. If your TFSA offers very weak performance, this is most probably because it is invested in a savings account and is redeemable at any time. By choosing the same investment funds as those in your pension plan, you benefit thereby from the same performance for all your plans.<\/p>\n<p><strong>I\u2019m a member of B\u00e2tirente, but my spouse is not. Can they become a member?<\/strong><br \/>\nYes. We can open an account for them in your B\u00e2tirente group that offers them the same advantages as you, at the same management fee rate for all plans (RRSP, TFSA, or LIRA).<\/p>\n<p><strong>Are there any fees for transferring my investments to B\u00e2tirente?<\/strong><br \/>\nThat depends on the institution where your investments are held. Financial institutions charge between $50 and $100 per plan transferred. However, these fees are minimal compared to the long-term savings you will realize with your B\u00e2tirente group plan. Depending on your group\u2019s management fee rate, you could save up to 2% annually in fees on your investment balance. For example, if you have $100,000 in an RRSP at another financial institution with a management fee rate of 2.5%, but that rate is only 1% for your B\u00e2tirente group, then you save $1,500 per year. That\u2019s more money for your own projects or for your retirement!<\/p>\n<p><strong>Does B\u00e2tirente reimburse these expenses?<\/strong><br \/>\nNo. B\u00e2tirente\u2019s\u00a0<a href=\"https:\/\/www.batirente.com\/en\/management-fee-policy\/\" target=\"_blank\" rel=\"noopener\">management fee policy<\/a>\u00a0does not provide for the reimbursement of these expenses. However, the above calculation shows that the savings achieved through the reduced fee rate fully offset the costs associated with the transfer\u2014-often even within a few months. Moreover, you don\u2019t pay this amount in cash, sincecash since the fee will be deducted from the interest you will have earned on the investment in question.<\/p>\n<p><strong>Why consolidate, given that we\u2019re often told not to put all our eggs in one basket?<\/strong><br \/>\nThis is indeed a common expression! But the idea here refers to diversification of portfolio, not of financial institutions. B\u00e2tirente has been a strong,\u00a0<a href=\"https:\/\/www.batirente.com\/en\/responsible-investment\/\" target=\"_blank\" rel=\"noopener\">responsible<\/a> institution for over 35 years and has the interest of its members at heart. What\u2019s more, we work with <a href=\"https:\/\/www.batirente.com\/en\/our-partners\/\" target=\"_blank\" rel=\"noopener\">leading portfolio managers<\/a>\u00a0with whom we\u2019ve designed five diversified Funds that have proven their ability to weather the toughest market periods.<\/p>\n<p><strong>How do I transfer my accounts to B\u00e2tirente?<\/strong><br \/>\nJust fill out a transfer form. The Member Services Centre can support you in this process. To speak to an agent, call 1 800-463-6984, from 8 a.m. to 8 p.m., Monday through Friday.<\/p>\n<p><a href=\"https:\/\/www.batirente.com\/en\/bringing-your-savings-together\/\" target=\"_blank\" rel=\"noopener\">Find out more about the advantages of consolidation<\/a><\/p>\n<\/div>\n<\/article>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Consolidating means bringing all your savings together in one place, and there are many advantages to doing so!<br \/>\nAre there any fees for transferring my investments? Why consolidate, given that we\u2019re often told not to put all our eggs in one basket? How do I transfer my accounts to B\u00e2tirente? Here are answers to the questions you\u2019ve been asking us on this topic.<\/p>\n","protected":false},"author":3,"featured_media":8682,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[29,40,34],"class_list":["post-10042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-your-money","tag-invest","tag-plan","tag-save"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Consolidating your assets, it\u2019s worth it! - B\u00e2tirente<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.batirente.com\/en\/consolidating-your-assets-its-worth-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consolidating your assets, it\u2019s worth it! - B\u00e2tirente\" \/>\n<meta property=\"og:description\" content=\"Consolidating means bringing all your savings together in one place, and there are many advantages to doing so! 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