Our licensed financial services representatives are here to assist you in creating a complete investment portfolio to meet your investment goals.
We utilize the traditional investment tools along with the latest investment planning techniques to create investments that work for you.
Segregated fund policies give you the freedom to invest while offering insurance protection to preserve your savings. With our choice of guarantees, you can expand your wealth and secure it at the same time.
In a nutshell, a segregated fund is a pool of money spread across different investments. It’s managed by experts and helps you diversify your savings and protect them from dips in the market. Depending on how much you’re looking to invest, there’s a broad range of series choices with different fee designs.
Choose one of our guarantees for maturity and death benefits, 75% or 100% of the amount invested, to help ensure your savings remain protected. This means that when your investment reaches its maturity date or when you pass away, if your investment is worth less than its guaranteed value, the insurance protection will top you up. Naturally, it will be proportionally reduced by any withdrawals.
Invest in one of the widest selections of segregated funds in Canada, managed by award-winning investment managers. An advisor can help you make your choice based on your comfort with risk and financial goals.
Your investments could be protected even if you face unexpected lawsuits or bankruptcy. With such protection, after your passing, the death benefit will go to your beneficiaries, not creditors. *
Your designated beneficiaries (if you decide to have them) are a private matter and won’t be disclosed.**
Unlike mutual funds, a segregated fund offers insurance benefits and insurance guarantees. Your contributions are guaranteed, but they do come with higher fees and are generally less flexible than mutual funds. A segregated fund is not as volatile and comes with very low risk. Keep in mind with all investments you still have the shares, it is the value that goes up or down.
Professional Portfolio Management
Grow your money while diversifying risk
Liquidity: easy access to your money
Estate Planning Benefits:Ability to bypass probate and keep financial affairs private
Potential Creditor protection for registered accounts
Potential Creditor protection for non-registered accounts
A guarantee of the principal (or a specified percentage) at maturity or death
Lock in gains on your investment using resets
Yes, segregated fund investments are safe from market disruptions given their nature and guarantee. On the other hand, a mutual fund or an equity fund policy may perform better than a segregated fund or could experience fluctuations due to conditions in the market.