Skip to main content
Select Image

Segregated Funds

Invest for growth while enjoying the guaranteed security of an insured investment.

 

What are segregated funds?

A segregated fund is like a mutual fund with a safety net. Your money is combined with other investors’ funds in the same way. But your initial investment is partially or completely protected by a guarantee. 

Select Image

How do segregated funds work?

You buy into a diverse pool of investments. Your returns will depend on how well that pool does. However, regardless of performance, you’re guaranteed to get back 75-100% of your initial investment upon fund maturity or death.  

Select Image

Why invest in segregated funds ?

Select Icon

Professionally managed

No need to follow the markets. You’ll have professionals continually monitoring and managing your segregated funds for you.   

Select Icon

Investment protection

Invest with peace of mind. Insurance guarantees up to 100% of your net initial investment, upon death or fund maturity. 

Select Icon

Strong diversification

Segregated funds hold a range of stocks, bonds, and other investments, giving you a well-balanced and diversified portfolio.  

Select Icon

Flexible options

We offer a wide range of segregated fund options to suit any goal, priority, or investment style. 

Select Icon

Easier estate planning

With a segregated fund, you can easily pass your investments on to loved ones without probate or legal fees. 

Select Icon

Tax savings

You can save on tax by holding your segregated funds in a registered plan, like a Tax Free Savings Account (TFSA) 

 
Select Image

Is a segregated fund right for me?

Segregated funds can be a valuable addition to your portfolio, particularly in certain situations:    

  • Security & growth – if you’re a more conservative investor but still want to benefit from strong growth potential.  

  • Retirement on the horizon – if you’re retiring soon and want added protection for your savings. 

  • Estate focused – if you’re looking to simplify the transfer of your assets to loved ones in the future.  

Ready to invest?

 
 

Boost your investing know-how

Try our investment calculators

Our handy calculators help you figure out which solutions make the most sense for your savings.

 

Get advice on the go

Life gets busy, but don't let that stop you achieving your goals. Whether you’ve got $50 or $50,000, we want to help power your possible – and we'll come to you to do it.

Select Image

Your segregated fund questions answered

That’s a great question. But unfortunately, there’s no one-size-fits-all answer. It really depends on your situation – your goals, your investment strategy, your comfort level with risk (known as a risk tolerance). If you need help figuring it out, book a chat with one of our advisors. They can help you review your goals, break down your options and design a personalized investment plan based on your needs. 

No, unless specifically stated, segregated funds aren’t covered by CDIC (the Canada Deposit Insurance Corporation) or our deposit insurance provider, CUDIC (the Credit Union Deposit Insurance Corporation).  

However, many of our deposit products do have 100% coverage. To learn more, take a look at our CUDIC page.

Segregated funds are similar to mutual funds in that money is pooled to buy a variety of investments. But, unlike mutual funds, segregated funds guarantee most of your initial investment at maturity or if you pass away. Depending on the provider, the guarantee can vary from 75% to 100% of your net initial investment. Essentially, you can think of segregated funds as mutual funds with a safety net. 

Each investment type has its own advantages. Whether you choose segregated funds vs mutual funds will really depend on your investment goals and strategy.  

If you need help figuring out the best option for you, book a chat with one of our advisors. They can help review your goals, break down your options and design a personalized investment plan based on your needs. 

Have more questions?

Don’t hesitate to reach out. We’re just a live chat, video, or phone call away when you need us.

Select Image
 

Other solutions you might want

Mutual funds

Whether you’re just starting out or already have a growing portfolio, enjoy access to a full array of affordable investments professionally managed for you. 

Stocks & bonds

Take advantage of our wide range of stocks and bonds to build a powerful, diversified investment portfolio – guided by our advisors.  

Insurance products are offered through Gulf and Fraser Insurance Services Ltd, a wholly-owned subsidiary of Gulf and Fraser Credit Union. Gulf and Fraser Insurance Services Ltd. is a licensed life insurance agency offering financial planning, life insurance and investments. All insurance products are subject to the limitations, terms and conditions in the applicable policy or insurance contract in force at the time of purchase or enrollment and applicable legislation. The products sold through Gulf and Fraser Insurance Services Ltd. are not guaranteed or insured by a deposit insurer. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. This website is for informational purposes only and is not intended to provide specific insurance, financial, investment, tax, or other advice to you, and should not be acted or relied upon in that regard. We encourage you to seek personalized advice from a qualified professional. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada. 

Mutual funds and related financial planning services are offered through Qtrade Asset Management (a tradename of Credential Asset Management Inc). Online brokerage services are offered through Qtrade Direct Investing. Mutual funds, other securities and securities related financial planning are offered through Credential Securities. Qtrade Direct Investing and Credential Securities are divisions of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Qtrade and Qtrade Direct Investing are trade names and trademarks of Aviso Wealth. 

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. There can be no assurances that the money market fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.