DEC 2022
Investing your money is an effective way to put your money to work and build your wealth. By investing smart, it helps give you more flexibility to earn more on your money, build more security for your retirement, and ultimately give you the chance at achieving your financial goals and dreams. However, investing comes with risks. Segregated funds can help prevent these risks!
Amenities
Unlike other investment options, segregated funds give you features that aren’t found in the typical investments:
- Guarantees on your principal – money you invest is guaranteed up to 75% or 100% upon maturity and death.
- Reset Options – lets you lock-in market gains that can increase the amount payable upon maturity or death.
- Bypass probate – death benefits paid directly to named beneficiary instead of your estate ensures privacy and helps avoid the lengthy and costly process of going through probate.
| Product Features | Segregated Funds | Mutual Funds |
|---|---|---|
| Deposit Guarantees | Yes | No |
| Capital Growth Protection | Yes | No |
| Investment Flexibility and Diversification | Yes | Yes |
| Potential Creditor Protection | Yes | No |
| Estate Protection | Yes | No |
| Lower Fees | No – given the cost to cover guarantees | Yes |
| Registered Account Options | Yes | Yes |
Who are Segregated Funds for?
- Pre-retirees looking for wealth accumulation but want to avoid potential losses with maturity and death guarantees.
- Individuals looking to preserve their legacy and transfer their estate in a timely, private, and cost-effective manner.
- Business owners looking for creditor protection planning.
- Anyone who wants the ability to achieve the same type of investment returns as mutual funds but with the security and protection in knowing that their money is protected against any uncertainty.