Segregated Funds
There are over 8800 Mutual and Segregated Funds in Canada today. So how do you choose the ones that are right for you?
The first step is the planning process. This enables us to not only determine the appropriate asset mix for you, but to also set benchmarks that the recommended funds must meet. We provide access to some of the top insurance backed Segregated funds offered by the largest carriers in Canada, including but not limited to:
- Canada Life
- Equitable Life
- Great West Life
- Manulife Investments
- Standard Life
- Transamerica Life
And each carrier uses both in-house fund managers with proven track records, and well-known outside managers and mutual funds including:
- AIC, Sceptre, Templeton, CI
- AIM/Trimark, Beutel Goodman, Scudder, Laketon
- Mackenzie, Putnum, Fidelity, AGF
- TD Quantitative Capital, Bisset, Ethical, Talvest
- Howson Tattersall, Elliott & Page, J Morgan Fleming Asset Management, UBS Global Asset Management
Each of these carriers offer a family of 20 to 60 funds, available with a variety of options and features ranging from basic to very unique. This way, our clients have a virtually unlimited selection of choice, and the ability to vertically retool as required.
Key benefits of Segregated funds
- Competitive performance
- Contractual guarantees
- Ability to lock-in market gains (unlimited upside potential)
- Guarantees on your capital (downside guarantees)
- Potential creditor-proof status
- Lower fees
- Potential to avoid probate
- Tax-preferred status
- Tax advantages versus mutual funds
- Unique “Funds of Funds”
- Leveraging concept
- Guaranteed income and bonuses – no matter what happens to markets!
The following is an example of the type of work we do, and how Segregated funds can fit in to your plans….
High growth needs ... Low risk tolerance ...
Are you a risk adverse client? If so, you may be limiting your equity investments and missing out on the high returns you need to meet your goals.
Contact us to ensure your you have a portfolio with guarantees.