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Posts from the ‘Segregated Funds’ Category

13
Oct
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Segregated Funds for Estate Planning

As we age and our thoughts turn to estate planning, Segregated Funds may present a valuable planning opportunity.  As we progress through the stages of life our investment focus changes from growth to income to preservation.  Usually, the expected rates of return reduce as we age, primarily because we have less time to make up for a loss and feel the need to be more conservative in our approach.  Anyone who has retired shortly before or after a major market correction (or crash!) understands the impact volatility can have on their enjoyment of a comfortable retirement.

In addition, none of us want to leave an estate for our heirs which could be a fraction of what was intended or be a catalyst for family discord.   Fortunately, you do not have to forego the opportunity of growth in order to preserve the capital that you wish to leave to your family.  Segregated Funds not only protect your estate against market fluctuations, they also provide the comfort of knowing the inheritances you wish to leave will be received by those for whom they were intended.

What are Segregated Funds?

Segregated funds are similar to mutual funds and represent market- based, equity, bond or fixed income investments.  They differ from mutual funds in that as they are offered by life insurance companies, they have special benefits that mutual funds do not.  These special benefits include: Read more

17
Feb
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What Are Segregated Funds & Are They Right For Me?

It can be confusing in the world of investment choice. Do you sacrifice security for higher returns? Or do you play it safe and go the guaranteed route locking yourself into low returns? Fortunately for Canadian investors there is another option: Segregated Funds.

What are Segregated Funds?

Seg Funds are similar to mutual funds but only sold by life insurance companies which allow for the special “insurance” feature that makes segregated funds a safer investment. Read more »