Invest In Your Future With Seg Funds 

Segregated Funds: Protecting Your Investment While Growing Your Wealth

When it comes to investing, most people want two key things: growth and security. Segregated Funds—also known as Seg Funds—offer a powerful combination of both. They are designed to help you participate in market growth while protecting your hard-earned money through built-in guarantees. As your financial advisor, I’m here to help you understand how Seg Funds can fit into your financial strategy.

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What Are Segregated Funds?

Segregated Funds are investment products offered by insurance companies, combining the growth potential of mutual funds with the security features of insurance. These funds are held separately—or “segregated”—from the company’s other assets, hence the name.

They are ideal for investors who want market exposure but also value capital protection, estate planning benefits, and creditor protection.

Built-In Guarantees: A Closer Look

Segregated Funds typically offer two main guarantees:

Maturity Guarantee : You’re protected for up to 75% or 100% of your initial investment at the maturity date, regardless of market performance. That means you’ll never lose more than 25% (or 0%, if you choose the 100% option) as long as you hold until maturity.

Death Benefit Guarantee : Your loved ones will receive the greater of the fund’s market value or the guaranteed amount—often up to 100% of your original deposit, tax-free, and outside your estate.

Key Benefits of Segregated Funds

✅ Maturity Guarantees
When you invest in a Seg Fund, you’re protected by a maturity guarantee—usually 75% to 100% of your original investment. Even if markets go down, your investment is guaranteed at maturity (typically after 10 years).

✅ Death Benefit Guarantee
Seg Funds offer a death benefit guarantee, which ensures your beneficiaries receive up to 100% of your original investment (or higher, if the fund performed well). This helps you leave a legacy with peace of mind.

✅ Creditor Protection
If you’re a business owner or professional concerned about potential creditors, Seg Funds may offer protection against claims—provided certain conditions are met (like naming a preferred beneficiary).

✅ Bypass Probate
With Seg Funds, your investment can bypass the probate process, which means your beneficiaries can receive the money faster and more privately—without probate fees or delays.

✅ Potential for Growth
Since Seg Funds are linked to professionally managed portfolios, your investment benefits from market growth while having downside protection through guarantees.

✅ Reset Options
Many Seg Funds allow you to lock in gains by resetting your guarantee levels to the fund’s current market value—giving you a higher guarantee if markets perform well.

Who Should Consider Seg Funds?

Segregated Funds are especially suitable for:

  • Investors who want market participation with downside protection

  • Professionals or business owners needing creditor protection

  • Individuals looking for efficient estate planning

  • Conservative investors nearing retirement who can’t afford big losses

  • Anyone who wants to leave a secure legacy for their loved onesed on your goals, risk tolerance, and time horizon. Let’s build a customized strategy that combines the security you need with the growth you want.