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Segregated Wealth Management

Perserve Your Wealth

Segregated funds are investment products offered by insurance companies that pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, and other securities. What sets segregated funds apart is the insurance component, which provides a guarantee on the principal amount invested, typically at maturity or upon death. This makes them a popular choice for investors seeking both growth potential and security. They are excellent tools for RRSPs, RESPs, RRIFs, TFSAs, and non-registered investments, offering a versatile solution for various financial goals and long-term planning.

Safeguarded Investment Strategy

Key Features of
Segregated Funds

Principal Protection

One key advantage of segregated funds is investment protection. Many guarantee a percentage of your initial investment (75% to 100%) at maturity or upon death.

Death Benefit Guarantee

In addition to principal protection, segregated funds offer a death benefit guarantee. If you pass away before maturity, beneficiaries receive at least the guaranteed amount.

Resets Lock In Gains

Segregated funds offer resets, letting investors lock in gains by adjusting the guaranteed amount. This adds flexibility and ensures a higher value at maturity or death.

Secure Your Hard Earned Investments

Segregated Funds Benefits

Investors Seeking Security
Creditor Protection Excluded From Estate
Potential for
Protected Growth
Flexible Investment Options
FAQ'S

Segregated Funds

Segregated funds are investment products that are offered by insurance companies. They pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, and other securities. What sets segregated funds apart is the insurance component, which provides a guarantee on the principal amount invested, typically at maturity or upon death. This makes them a popular choice for investors seeking both growth potential and security.

What are the benefits of investing in segregated funds?
The benefits of investing in segregated funds include principal protection, which guarantees a percentage of your initial investment at maturity or upon death, and a death benefit guarantee that provides financial security to your beneficiaries. Additionally, segregated funds may offer potential tax advantages, exclusion from probate, and professional management of the underlying investments, making them an attractive option for risk-averse investors.
How do segregated funds differ from mutual funds?
The primary difference between segregated funds and mutual funds lies in the added insurance features of segregated funds. While mutual funds are purely investment vehicles that expose investors to market risks, segregated funds offer principal protection and a death benefit guarantee. Additionally, segregated funds may have more favorable tax treatment and can be excluded from probate, which can benefit estate planning.
Who should consider investing in segregated funds?
Segregated funds are ideal for individuals seeking a balance between investment growth and capital protection. They are particularly suitable for risk-averse investors, such as retirees or those nearing retirement, who want to safeguard their investment capital. Additionally, those looking for estate planning benefits, such as avoiding probate and providing a death benefit to beneficiaries, may also find segregated funds appealing.
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Amount Up To $10M: 100000

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