Segregated Funds

Segregated Funds: Investment with Protection

What Are Segregated Funds?

Segregated funds combine the benefits of investment growth with insurance protection. Offered by insurance companies, these funds provide market exposure similar to mutual funds but with added guarantees, such as principal protection and estate planning advantages. They are ideal for investors looking for growth potential while minimizing risk.

Why Invest in Segregated Funds?

Segregated funds offer unique features that set them apart from traditional investments:

• Principal Protection – Guarantee to protect a percentage (typically 75% to 100%) of your original investment at maturity or upon death.

• Creditor Protection – Assets may be protected from creditors, making them an excellent choice for business owners and professionals.

• Estate Planning Benefits – Bypass probate, ensuring faster and more private wealth transfer to beneficiaries.

• Market Growth Potential – Participate in market growth while benefiting from downside protection.

• Automatic Resets – Some policies allow for locking in gains to enhance guarantees over time.

Types of Segregated Funds

Segregated funds come in various structures to meet different investment objectives:

• Growth Funds – Designed for capital appreciation through equity exposure.

• Income Funds – Focus on generating steady returns through bonds and dividend-paying investments.

• Balanced Funds – A mix of equities and fixed income for a blend of growth and stability.

• Guaranteed Funds – Offer strong principal protection with a focus on capital preservation.

How Segregated Funds Fit into Your Financial Plan

Segregated funds are particularly useful for investors seeking both market participation and asset protection. They can be an essential component of estate planning, retirement savings, and wealth preservation strategies.

Get Started with Segregated Fund Investing

At Investco Financial, we help you navigate the options to find the best segregated funds for your financial goals. Our experts will tailor solutions that align with your investment needs while ensuring your assets are protected.

Let’s Talk! Contact us today to learn how segregated funds can provide security, growth, and estate planning benefits for your financial future.