PI Financial Services

Segregated Funds


Segregated Funds are similar to Mutual Funds from an investment perspective, but are offered through insurance carriers rather than investment dealers. Like Mutual Funds, Segregated Funds offer a broad choice of investments from many top retail and institutional fund managers, covering a wide variety of asset classes. However, the distinguishing features of a Segregated Fund are the valuable maturity and death benefit guarantees, which protect your investments from economic downturns.

Whether you are just beginning to think about retirement or you are already in the retirement phase of your life, there is a lot to consider:

  • What if you experience poor market returns early in retirement?
  • Will you outlive your retirement income?
  • Will your retirement income keep pace with inflation?
  • What will happen to my investments upon death?

Segregated Funds are designed specifically to help address these concerns. They offer a number of advantages over regular Mutual Funds, including:

  • Principal guarantees at maturity and death
  • Predictable and sustainable retirement income
  • Market gains can be locked-in and guaranteed
  • Potential creditor protection
  • Death benefit proceeds go directly to the beneficiary, bypassing your Will and probate fees