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Segregated funds

Segregated funds

Mutual funds with an insurance policy to protect your investment

Secured with an insurance policy

Get the security of an insurance policy that guarantees 75% to 100% of your net principal, upon death or maturity.

Matched to your investment style

Invest in a segregated fund portfolio aligned with your goals, priorities, and investment style.

Regularly monitored and rebalanced

Enjoy flexible investing as your portfolio is actively adjusted to ensure performance and mitigate risk.

Valuable estate planning tool

Easily pass your investments down to beneficiaries without probate or legal fees.

Segregated funds can be part of your registered savings

Segregated funds can bring security to your TFSA, RRSP, RESP, and RRIF.

Work with a Certified Financial Planner CFP®

Work with a certified financial planning professional to develop a savings and investment plan customized to your lifestyle and goals. Financial planners can make recommendations to maximize your tax savings and insurance to protect you and your loved ones. Financial planners can help you:

  • Build a plan tailored to meet your needs
  • Understand your investment options
  • Protect your lifestyle
  • Achieve your financial goals

Segregated funds vs. mutual funds

Segregated funds are similar to mutual funds in that money is pooled to buy stocks, bonds, and other securities to maximize investment gains. Segregated funds are insurance contracts that offer special benefits such as a principal investment guarantee against loss, guaranteed income, and creditor protection.

Unlike mutual funds, segregated funds guarantee most of your initial investment at the time of maturity or in the event of death. Depending on the insurance provider, the guarantee can vary from 75% to 100% of the net principal investment amount. Think of segregated funds as mutual fund investments with a safety net.

Protect yourself & your loved ones when it matters most

Work with a financial planner to protect your lifestyle with:

  • Life insurance
  • Critical illness and disability insurance
  • Long term care insurance
  • Segregated funds 
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Investments tools for every lifestyle

Whether you’re a savvy investor or just getting started, investments can help make the most of your savings and retirement plan.

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Gulf and Fraser Insurance Services Ltd. is a wholly-owned subsidiary of Gulf & Fraser. 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.