SECURE GROWTH
Segregated Funds
Segregated funds offer growth potential with the added security of insurance guarantees, protecting your investment against market volatility.
INVESTMENT GROWTH
Secure and Grow Yourself
Segregated funds offer potential returns while safeguarding your capital from market fluctuations and providing additional security against creditors.
SEGREGATED FUNDS
Benefits of Segregated Funds
They provide potential for returns while protecting your principal from market volatility and offering benefits such as creditor protection and guaranteed returns.
SEGREGATED FUNDS
Unlocking the Power of Segregated Funds
Discover how segregated funds can offer both growth potential and financial security. With built-in protection against market volatility and additional safety features, they provide a balanced approach to investing.
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Types of Segregated Funds
Explore the various types of segregated funds to find the one that aligns with your financial goals. Each type offers unique features to suit different investment needs and preferences.
Interest Funds
- Offers a guaranteed interest rate, providing stable and predictable returns on your investment.
- Ensures your principal investment is protected against market losses.
- Fully ideal for conservative investors seeking a secure investment with steady growth.
Growth Funds
- Focuses on growth-oriented investments such as equities, aiming for higher long-term returns.
- Provides some protection for investment while targeting capital appreciation.
- Suitable for investors willing to accept a moderate level of risk for potential higher returns.
Balanced Funds
- Combines both growth and income investments, offering a balanced approach to risk and return.
- Includes elements of equity and fixed income, providing growth and protection.
- Suitable for investors looking for a diversified investment with a blend of security and growth opportunities.
FAQs
Frequently Asked Questions
Find quick and clear answers to all your inquiries about Segregated Funds (SF) in our FAQs
Segregated funds are investment products that combine the growth potential of mutual funds with the protection of insurance guarantees, such as principal protection and creditor protection.
Unlike mutual funds, segregated funds offer guarantees on your principal and may provide creditor protection, along with professional investment management.
Segregated funds typically offer guarantees on a percentage of your principal investment, and some may provide a guaranteed return on investment if held until maturity.
They are ideal for investors seeking both growth potential and added security, including protection against market volatility and creditor claims, but may not be suitable for those seeking higher-risk investments.
Minimum investment amounts can vary by fund and provider, but they are often higher than those for mutual funds, sometimes starting at $1,000 or more.
Yes, you can withdraw funds before the maturity date, but doing so may affect the guarantees provided and may incur withdrawal penalties or fees.
Segregated funds often have management fees, insurance costs, and possible early withdrawal penalties. It’s important to review the fund’s fee structure before investing.
The tax treatment of segregated funds depends on the type of account they are held in (e.g., non-registered vs. registered accounts) and the specific investment income generated.
Yes, you can hold segregated funds within registered accounts such as RRSPs or TFSAs, allowing you to benefit from the tax advantages of these accounts.
Assess your investment goals, risk tolerance, and need for protection. Consulting with a financial advisor can help you determine if segregated funds align with your overall investment strategy.
Secure Wealth with Segregated Funds
Safeguard your investments with segregated funds. Explore personalized options, select the right fund for your financial goals, and begin your journey toward secure growth.