Market Growth, with a safety net.
A segregated fund is similar to a mutual fund, with one major difference: a guarantee that protects what you put in.
An Insurance Product that invests.
Segregated funds are offered exclusively by insurance companies. Like mutual funds, they invest in the markets, but they also protect you against downturns by guaranteeing 75% or 100% of the amount invested at maturity or death.
That guarantee isn't available with mutual funds, and it's a major advantage because it limits your risk of loss. Segregated funds in the iA Savings and Retirement Plan also offer several other advantages mutual funds don't.
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Try the transfer calculatorSix Reasons clients choose them.
Capital Protection
At contract maturity or death, you recover 75% or 100% of the amounts invested if the market value of the funds is lower.
Resets
The 75/100, 100/100 and FORLIFE series let you lock in gains every year, protecting your investment through market swings.
Avoid Probate Fees
Naming a beneficiary can help avoid several estate settlement fees, including probate. Fees vary by situation and province.
Quick Settlement at Death
The value is paid promptly to your beneficiaries, so loved ones don't have to manage your financial commitments themselves.
Creditor Protection
A real advantage for small business owners and professionals looking to limit risk in case of bankruptcy or lawsuits. Conditions apply.
Easier Tax Returns
All tax calculations are done for you on the T3 slip sent by iA, making your income tax return faster and simpler.
How You Allocate Your Assets is the heart of your strategy.
Before we invest in segregated funds, we complete your investor profile together. It looks at your investment goals, time horizon, tolerance for risk and knowledge of investing, and identifies the profile that best fits your goals and attitude toward risk.
Ready to Take the Next Step?
Let's complete your investor profile and see whether segregated funds belong in your plan.
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