The Best Guaranteed Investment That Withstands The Market Ups & Downs! Part 2

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With all these inevitable risks, coupled with the current market condition, it more than ever essential to turn to guarantees and other advantages designed to promote peace of mind. Segregated Fund contracts can be an integral component of a diversified portfolio to ensure that your aspirations and goals for you and your loved ones are achieved with confidence. In addition to access to the growth potential of the markets, investors may take comfort in knowing they can benefit from the following value‑added features:

Maturity Guarantee

At the maturity date, the owner is guaranteed to receive the greater of the market value or the maturity guarantee amount, subject to the provision in the contract or product chosen. This means that in the worst-case circumstance, you’re getting up to 100% of all deposited.

Payout Benefit Guarantee

It guarantees that you get the scheduled income payments provided in the contract, even when the market value is down. In down markets, this guarantee offers additional protection, ensuring that your steady income stream is not interrupted.

Death Benefit Guarantee 

Upon the death of the last surviving Annuitant, the beneficiaries will receive a guaranteed amount, the greater of the market value or the Death Benefit Guarantee. The death benefit could be up to 100% of all deposits, less any withdrawals.

Guaranteed Income For Life

Some segregated fund contracts include features that can deliver a guaranteed stream of income for your lifetime or a fixed number of years, as desired. With a guaranteed, predictable income for life, you can be confident that you won’t run of money. Income guaranteed, cannot decrease no matter how the investments perform. 

GIF solutions offer you protection in the market by lowering your risk with guarantee, more rewards and certainty

Resets to Lock-in Market Gains

This feature work to capture market growth by allowing the owner to periodically lock-in increases in the market value of their segregated fund contracts. Resets may be automatic or client‑initiated with the assistance of a financial advisor, and may impact the maturity guarantee or Death Benefit Guarantee.

Creditor protection

A segregated fund contract has the potential to protect a client’s assets from creditors. This feature is ideal for professionals and small business owners looking to help protect their personal assets from professional liability. 

Estate planning benefits

In addition to guarantees, segregated fund solutions offer your estate planning advantages by helping your loved ones receive an inheritance more quickly and may assist investors to leave more to heirs than they would be able with other types of investment products. Since Segregated funds are insurance contracts, death benefit proceeds pass on quickly and privately to the designated beneficiaries (other than an estate) without any legal, estate administration and probate fees.

Canadians, who are focused on securing a financial future for their family, after they are gone, can rest assured knowing that their loved ones will not endure additional stress during those difficult times.

Comparing the benefits of a Segregated Fund versus Mutual Fund

Other Additional Benefits to You

Potential Creditor Protection

Assets flowing through an estate (which generally occurs when non‑registered assets paid by financial institutions other than insurance companies) may be subjected to creditors of the deceased, which could mean a smaller inheritance for your heirs. 

Privacy & Confidential

Proceeds bypassing the estate and paid to the named beneficiary can preserve confidentiality as the application for probate is a matter of public record. The ability to bypass probate saves your named beneficiaries time and money as well as estate fee upon your death.

Quick & Fast


Settling an estate can be lengthy, frequently taking months or even years should the will be challenged. With a named beneficiary, other than the estate, death benefit proceeds of a segregated fund contract can pass directly to the recipient within a month or two and avoid these delays.

Annuity Settlement Option


This option automatically transfers segregated fund proceeds upon death into an annuity, in accordance with the terms chosen by the client. You also have the opportunity to replace a lump sum death benefit with smaller scheduled payments while providing savings you legal, estate administration and probate fees. It offers additional privacy and potential creditor protection. For heir(s) with poor money management skills or minors, this option comes in handy to spread the inheritance whiles you’re away, at no cost to you!

Want to learn more about Guaranteed Investment Funds and how it can complement your current financial plan, to help you achieve your aspirations and dreams with peace of mind? Connect with us virtually @ https://app.hubspot.com/meetings/fb4, for a complimentary assessment. To Your Future Success!

Five approaches to achieving the right asset mix for your portfolio

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There are a lot of factors to be considered when developing the right strategy for your investments goals, such as your investment time frame, your current age, the need for capital/income and risk tolerance are big factors in setting your correct mix or allocation. There’s a broad range of products or solutions to deplore to accomplish this, and ensuring that it reflectss your evolving financial needs at various stages in life.

There’s no shortage of information on the web. The internet is full of information to help you do your research, but there’s no specific, customized information/strategy to help you deep dive into your own unique circumstances and finding the right solutions to you and loved one’s needs, goals, and aspirations, unless you want to spend most of your precious family/friend time – to not enjoying your life and keep figuring things out and not leveraging the knowledge of experts who are schooled in that field. We are at our best when we dedicate time into our craft. Never lose sight of the main reason you’re investing in the first place; to achieve some goals that you’ve set for yourself and perhaps your loved ones or cherish desires. Complete financial planning isn’t just about choosing investments; it should be about what you want out of life. We know that some of life’s crisis can’t be avoided, but we believe that talking about money matters and taking control of one’s finances can help eliminate the worry and uncertainties that can result when these matters are neglected.

I’m always remembered of these two certainties in life; Death & Taxes! What benefits is it to you if you can’t keep more of your earned money, and consequently leave no legacy or make a meaning impact in someone’s life or the community that you once lived in!

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Five steps to financial readiness for new parents

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You have many memories-in-the-making to look forward to—first birthdays, ballet recitals, family vacations, soccer goals and graduations from kindergarten to college.

It’s expensive to raise and educate children, but as parents we want what’s best for them. Add up everything from daycare and diapers to music lessons, hockey gear and birthday parties, and you’ll be glad you planned ahead. Life happens, and don’t be like a deer caught in the headlights.

As well, unforeseen events can change everything in an instant. When your child is home sick it often means that you or your partner will miss work. Or if you become ill you may need some added support. That’s why contingency plans and easy-to-access emergency funds are so important, as they can protect your family and budget.

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Educational Planning