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What are segregated funds?

Segregated funds combine the growth potential of investment funds with insurance protection. They include guarantees and advantages that are not available with traditional mutual funds. It is an efficient way to do an estate transfer.

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product offering

Registered Retirement Savings Plan (RRSP)

Registered Retirement Savings Plan (RRSP)

Registered Retirement Savings Plan (RRSP)

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Registered Education Savings Plan (RESP)

Registered Retirement Savings Plan (RRSP)

Registered Retirement Savings Plan (RRSP)

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Tax-Free Savings Account (TFSA)

Registered Retirement Savings Plan (RRSP)

Tax-Free Savings Account (TFSA)

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Non Registered Investments

Non Registered Investments

Tax-Free Savings Account (TFSA)

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Individual Pension Plans

Non Registered Investments

Individual Pension Plans

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Features of a segregated fund

Maturity Guarantees

Ability To Bypass Probate

Death Benefit Guarantees

A segregated fund policy guarantees that the value of your investments at maturity will not be less than a specified percentage of the amount you invest.

Death Benefit Guarantees

Ability To Bypass Probate

Death Benefit Guarantees

Your beneficiary will receive the guaranteed amount or market value of your investments—whichever is higher.

Ability To Bypass Probate

Ability To Bypass Probate

Potential Creditor Protection

Your beneficiaries get their payout faster, the privacy of your affairs is maintained and the cost of probate fees is avoided.

Potential Creditor Protection

Potential Creditor Protection

Potential Creditor Protection

Your segregated fund assets may be protected from creditors in the event of a bankruptcy.

Resets

Potential Creditor Protection

Resets

 The ability to lock in market gains on your investment .