Investment Funds
To help you understand the investment options available to you, please refer to the brief overview of investment vehicle categories below. A financial advisor can explain each in detail and help you to choose the right investments to reach your savings goals.
Segregated Funds
Segregated funds are similar to mutual funds, however what sets them apart is the guarantee they offer of investment protection against possible market downturns. Distributed exclusively by insurance companies, segregated funds are comprised of stocks, bonds or market securities and are managed by experts.
Advantages and characteristics
Segregated Funds
Segregated funds are similar to mutual funds, however what sets them apart is the guarantee they offer of investment protection against possible market downturns. Distributed exclusively by insurance companies, segregated funds are comprised of stocks, bonds or market securities and are managed by experts.
Advantages and characteristics
- Allow you to take advantage of rising markets while offering guarantees against possible downturns at maturity and in the case of death.
- Managed by experienced portfolio managers and include an asset mix that suits all types of investors, whatever their risk tolerance.
- Protect your savings from potential creditors depending on your province of residence.
- Offer quick settlement in the case of death thanks to the designation of a beneficiary.
- Are part of the IAG Savings and Retirement Plan and may be purchased as an RRSP, TFSA, LIRA, RRIF, LIF or a non-registered savings plan.
5 reasons why you should invest in Segregated Funds
- Capital protection. On contract maturity or death, this protection allows you to recover 75% or 100% of the amounts invested if the market value of the funds is lower.
- Resets. Our segregated funds, available in the 75/100, 100/100 and FORLIFE Series, offer the possibility of locking in gains every year in order to protect investment funds during market fluctuations.
- Creditor protection. This can be a considerable advantage for small business owners and professionals who want to limit their risk of loss in case of bankruptcy or lawsuits. Certain conditions apply.
- More estate value! Unlike mutual funds, the designation of a beneficiary in your segregated fund contract provides two significant advantages at death: — Prompt payment of accumulated amounts The guaranteed value at death is paid directly to your beneficiaries with no waiting for final settlement of the estate. — Higher estate value Since the money paid at death is not part of the estate settlement, probate fees are excluded,1 thereby increasing the value you leave to your heirs.
- Even more autonomy over your contributions! You can autonomously schedule your RRSP and TFSA contributions from My Client Space. It's simple, profitable and flexible.