Segregated Funds
A segregated fund is an insurance product exclusively distributed by insurance companies. It is similar to a mutual fund but comes with other features, protection against market downturns, by guaranteeing 75% to 100% of the amounts invested at maturity or death.
This guarantee, which is not available for mutual funds, represents a major advantage for some clients as it may limit the risks of loss.
Why choose segregated funds over mutual funds?
Segregated funds give you access to several unique advantages:
Capital protection at maturity or death
Investment growth protected through resets
Possibility of no probate fees
Quick settlement in the event of death thanks to beneficiary designation
Possibility of creditor protection provided by Assures
Quick and easy tax filing
Possibility of guaranteed income for life
Segregated funds are available as investment options for non-registered accounts and registered accounts, such as an RRSP, TFSA.
We as an advisor can help you to choose the investment options as per your investor profile for your portfolio, to achieve the financial goals.
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