Grow Your Wealth with Security: Discover Segregated Funds

What is a Segregated Fund?

A Segregated Fund, often called a “Seg Fund,” is an investment product offered by insurance companies that combines the growth potential of mutual funds with the protection benefits of insurance. Unlike traditional mutual funds, Segregated Funds offer a guaranteed minimum value, ensuring that you or your beneficiaries receive a predetermined portion of your investment even if the market declines.

Seg Funds are ideal for investors who want market growth but also want capital protection and additional benefits like estate planning and creditor protection.

How Segregated Funds Work

Segregated Funds invest in a portfolio of stocks, bonds, or other assets just like mutual funds. The insurance company manages the fund and provides guarantees, such as:

Seg Funds are “segregated” from the insurance company’s other assets, meaning your investment is protected even if the company experiences financial difficulties.

Key Benefits of Segregated Funds

• Capital Protection: Guarantees on your principal investment at maturity or death.
• Potential for Growth: Access a wide range of investment options, including equities and fixed income, for long-term wealth accumulation.
• Estate Planning Benefits: Ability to bypass probate for faster wealth transfer to beneficiaries.
• Creditor Protection: In certain cases, your investment may be protected from creditors, useful for business owners or professionals.
• Professional Management: Managed by experienced portfolio managers, saving you time while benefiting from expert investment strategies.

Who Should Consider Segregated Funds?

• Investors seeking market exposure but with capital guarantees.
• Individuals planning for retirement or long-term financial goals.
• Those who want to pass wealth efficiently to heirs without probate delays.
• Business owners or professionals requiring creditor protection.

How to Invest in Segregated Funds

Segregated Funds can be held within:

• Registered accounts like RRSPs, RRIFs, or TFSAs.
• Non-registered accounts for flexible savings.

You can choose a fund that aligns with your risk tolerance, whether you prefer conservative fixed income or growth-focused equity strategies.

Why Segregated Funds Matter

Segregated Funds provide a unique combination of growth potential, protection, and estate planning benefits. They are valuable for risk-averse investors who want to participate in market growth without exposing their capital entirely to market fluctuations. Guarantees, professional management, and estate advantages make Seg Funds a cornerstone of a well-rounded investment portfolio.

Protect and Grow Your Investments

Start investing in Segregated Funds today to enjoy market growth, capital protection, and estate planning benefits.