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Wealth Wise Jashan Save diligently, invest wisely and think long term for financial success. LLQP LICENSED IN BRITISH COLUMBIA AND ONTARIO.
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You don’t need a lot of money to start investing.You need a system. And it has two parts.Part 1: The PACPAC stands for P...
10/25/2026

You don’t need a lot of money to start investing.
You need a system. And it has two parts.
Part 1: The PAC
PAC stands for Pre-Authorized Contribution. It’s an automatic payment from your bank account into your investment account, every month.
$100 on the 1st, every month, no decisions, no timing the market. You invest in good months and bad months — and over time, that averages out in your favour.
Part 2: The account it goes into
The government gives you tax-advantaged accounts to invest through:
• TFSA — money grows tax-free, withdrawals are tax-free. For anything.
• RRSP — contributions lower your taxable income now, tax comes later in retirement.
• RESP — for your child’s education. The government adds 20%, plus the $1,200 BC grant.
• FHSA — for a first home. Tax deduction going in, tax-free coming out.
The account decides the tax rules. The PAC decides the habit. Together, they do the work.
Start small. Stay consistent. Let time do the heavy lifting.
DM me if you want to talk it through.
Imagine what your money could do with every option on the table. Let’s find out together — DM me.
Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu | www.bhanguinsurance.com
General information only, not financial advice.

10/23/2026

Here’s what an RESP can do for your child’s education, in simple numbers.
You contribute $50 a month. The government adds 20% on top. And the money grows tax-free until your child needs it for school.
Here’s the example:
• You put in: $50/month = $600/year
• Over 17 years, you put in $10,200
• Government grant each year (20%): $120
• BC grant (one-time, ages 6–9): $1,200
• Total grants over 17 years: $3,240
• Growth at 12% over 17 years: $25,480
• Total for education: about $38,920
So you put in $10,200 — and it could become $38,920. The government grants and the growth do the heavy lifting.
BC families can also get up to $2,000 more from the Canada Learning Bond — no contribution needed.
Small amounts now. Big difference later.
Comment “RESP” and I’ll help you set one up for your child.
Imagine what your money could do with every option on the table. Let’s find out together — DM me.
Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu | www.bhanguinsurance.com
Example only, for illustration. Assumes 12% annual growth, which is not guaranteed — actual returns will vary. This is general information, not financial advice.
🇨🇦

10/20/2026

Inflation just went over 3% again — and your savings feel it first.
When prices rise faster than what your money earns sitting in a regular account, your money quietly loses buying power.
You don’t have to overhaul everything. Start by checking what your savings are actually earning, and whether your money is working as hard as prices are rising.
DM me if you want to talk it through.
Imagine what your money could do with every option on the table. Let’s find out together — DM me.
Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu | www.bhanguinsurance.com
LangleyBC

10/13/2026

**CANADA**
The government will pay your kid $7,200 for school.

You put in $2,500 a year into an RESP. The government adds 20% — $500 a year, free. Keep it going and it adds up to $7,200 per child.

Missed a year? Unused grant room carries forward. You can still catch up.

Comment “RESP” and I will walk you through it.
Grants depend on eligibility. This is general information, not financial advice.

Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu
www.bhanguinsurance.com

96% of life insurance claims get paid out in Canada.Read that again. 96%.The biggest myth in this business is that insur...
10/10/2026

96% of life insurance claims get paid out in Canada.

Read that again. 96%.

The biggest myth in this business is that insurers “never pay.” The numbers say the opposite.

The few that don’t get paid? Almost always the same two reasons: the policy lapsed from missed payments, or something wasn’t disclosed on the application.

That’s exactly why you want someone who sets it up right from day one.

Contact Jashanpreet Bhangu — DM “COVERED” and let’s get you covered properly.

Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu
www.bhanguinsurance.com

10/09/2026

Die without a will in BC? The government writes one for you.

Here’s what BC law does with a $500,000 estate (spouse + kids):
→ Your spouse gets $400,000 — $300,000 off the top, plus half of the rest
→ Your kids split $100,000 — held by the court until they turn 19
→ The court picks who administers your estate and who raises your kids

None of this is what you chose. It’s just the formula.

One thing most people miss: life insurance with a named beneficiary skips all of this — paid directly to your family, no probate, no waiting.

Don’t let a formula decide for you. Comment “PLAN” and let’s talk.

Important to know:
- Based on BC’s Wills, Estates and Succession Act (intestacy rules). Other provinces differ.
- Blended families: the spouse’s preferential share drops to $150,000.
- This is general information, not legal advice. Talk to a lawyer for your will.

Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu

🇨🇦

10/07/2026

Want to buy your first home in the next few years? The FHSA is the best account for it — and most people haven’t opened one yet.

Here’s what $400 a month in an FHSA can do over 4 years:
→ $19,200 of your own money in
→ ~$4,404 back in tax savings (BC, $60K income)
→ ~$22,300 total at an assumed 10% return

That’s your 5% down payment on a $350,000 home — covered, with about $4,800 to spare.

Why the FHSA and not just a savings account?
- Tax deduction every year you contribute
- Tax-free withdrawal for your first home
- Unused room carries forward — but the clock only starts when you OPEN the account

I open FHSA accounts for my clients. Comment “FHSA” or DM me and I’ll set yours up.

Important to know:
- The 10% return is assumed for illustration — actual returns will vary and are not guaranteed.
- Tax savings depend on your income and tax bracket ($60K BC income per Wealthsimple’s tax calculator).
- FHSA withdrawals are tax-free only for a qualifying first-home purchase; eligibility rules apply.
- This is an illustration, not financial advice.

Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu
www.bhanguinsurance.com

10/06/2026

The 50/30/20 rule says half your paycheque should cover needs. For a $110K BC household bringing home $7,000 a month, needs eat up 77% — $5,400. That’s not bad budgeting. That’s BC.

The rule isn’t wrong, it’s just written for a different cost of living. Budget for your reality, not a textbook.

Where does your biggest budget pressure come from? Comment below.

Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu
www.bhanguinsurance.com

The person selling you investments at the bank works for the bank. Their shelves are stocked with their employer's produ...
10/04/2026

The person selling you investments at the bank works for the bank. Their shelves are stocked with their employer's products. An independent advisor picks from the whole market. Know the difference.

For example: for life insurance, I compare term, whole life, and universal life policies from insurers across Canada — the right fit and price for you, not one company's shelf. For investing, I use segregated funds from multiple providers — with guarantees a bank mutual fund can't give you — chosen from the whole market for your goals.

Imagine what your money could do with every option on the table. Let's find out together — DM me.

Jashanpreet Singh Bhangu
Senior Financial Associate | Experior Financial Group
Jashanpreet Singh Bhangu
www.bhanguinsurance.com

10/03/2026

Here’s what an RESP can do, in simple numbers.

You put in $2,500 a year (about $208 a month). The government adds $500 a year through the Canada Education Savings Grant — that’s 20% free money. In BC, there’s also a one-time $1,200 grant when your child is between 6 and 9 — you just have to apply for it.

Do this for 14 years:
• You put in: $35,000
• Government grants: $8,200
• Growth: about $56,800
• Total for education: about $100,000

The federal grant goes up to $7,200 per child. Lower-income families can also get up to $2,000 from the Canada Learning Bond — no contribution needed.

Note: the 12% return used here is assumed for illustration. Actual returns will vary and aren’t guaranteed.

Comment “RESP” and I’ll help you set one up for your child.

Jashanpreet Singh Bhangu
www.bhanguinsurance.com

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#102/7485 130 Street
Surrey, BC

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+16043008010

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