Segregated Funds

A Segregated Fund is actually an insurance contract with two parts: an investment that produces the return, and an insurance policy that covers the risk. The seg fund is like a mutual fund, because you are pooling your money with other people to share investment gains. But because life insurance companies issue segregated funds, there is a guarantee attached that protects the investor's principal from sudden market declines. Think of such an investment as a mutual fund with a safety net.

Like mutual funds, segregated funds contain a diversified group of solid investments. They come in various sizes and asset mixes, and benefit from the experience of a qualified portfolio manager. Where the two types of funds differ is in flexibility and the added cost of insuring the principal.

Securities are offered through Qtrade Advisor, a division of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.


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