Invest With Confidence
Secure, insurance-backed investment solutions for your future.
What Are Segregated Funds
Segregated funds are investment products offered through life insurance companies. They’re similar to mutual funds but come with unique features such as principal guarantees and potential creditor protection. This makes them an excellent choice for people looking for both growth opportunities and added financial security.
Benefits of Segregated Funds
Growth Potential
Your money is invested in professionally managed funds, similar to mutual funds, giving you the opportunity to grow your wealth.
Guarantees
Segregated funds typically include maturity and death benefit guarantees, which help protect part of your investment no matter how the markets perform.
Estate Planning Advantages
By naming a beneficiary, your investment can bypass probate, making it faster and simpler for your loved ones to receive their inheritance.
Creditor Protection
In certain cases, segregated funds can offer protection from creditors, which is especially valuable for business owners or professionals.
Who This Is For.
Segregated funds are ideal for individuals who want to balance investment growth with protection. They may be a good fit for families planning for the future, business owners seeking creditor protection, or anyone looking to simplify estate planning.
Frequently Asked Question
What’s the difference between mutual funds and segregated funds?
Both are professionally managed investments, but segregated funds are offered by insurance companies and include extra features like maturity and death benefit guarantees. If you’re not sure which is right for you, we can review your options together.
Are segregated funds safe?
Like all investments, segregated funds carry some level of market risk. However, they come with guarantees that can help protect a portion of your investment. The right balance depends on your goals and risk tolerance — let’s discuss what works best for you.
Can I lose money with segregated funds?
Your investment can go up or down with the markets, but guarantees help reduce long-term risk. The exact level of protection depends on the fund you choose. I can explain how the guarantees work and what they mean for your financial plan.
Who should consider segregated funds?
Segregated funds may be a good fit for people who want both investment growth and added security features. They’re often used for estate planning, retirement savings, or by business owners looking for creditor protection. Let’s talk about whether they make sense for your situation.
