A segregated fund is a type of investment vehicle commonly used by Canadian insurance companies to manage individual, variable annuity insurance products. A segregated fund offers investment capital appreciation and life insurance benefits.
Segregated Funds, like Mutual Funds, are investments based on market dynamics. A large amount of money belonging to many people is invested in stocks, bonds or other securities under the operation of fund managers with the purpose of increasing the value of the entire pool of funds and creating returns for investors.
However, since segregated funds contracts are insurance contracts, they have something special that mutual funds do not have.
With a segregated fund contract, you’re guaranteed to receive at least 75 per cent of your deposits (or 100 per cent, depending on the contract), reduced for any withdrawals, when the contract matures or investors pass away.
Because segregated funds are technically insurance contracts, they let investors name a beneficiary to allow the investment to bypass probate and the estate at death.
Segregated fund contracts have the potential to protect your assets from creditors. If a family class or irrevocable beneficiary to the contract is named, the segregated fund contract may be protected from the owner’s creditors during his/her lifetime.
iA Financial Group is one of the largest insurance and wealth management groups in Canada, with operations in the United States. It has 1000+ segregated funds.
Manulife provides financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions. It has 600+ segregated funds.
Canada Life provides insurance, wealth management, and healthcare benefit products and services in Canada. It has 1900+ segregated funds.
Equitable Life works with independent advisors across Canada to offer Individual Life and Health, Savings and Retirement, and Group Benefits solutions. It has 90+ segregated funds.
Sun Life’s roots run deep in Canada, where they began more than 150 years ago. The business started with the sale of insurance and has expanded to offer wealth solutions and customized health programs to their clients.
For investors in AIF, we offer investment loan strategies that protect, grow, flexible and controllable. Meet the needs of all long-term investors.
We Offer:
AiF投资系统为客户带来年均21.6%的复利回报。We follow the rule of value investment and create continuous and stable investment profits. Whether you want rapid wealth freedom, planning for retirement, or considering property inheritance, the AIF investment system can meet your needs.
Through AIF's down to earth risk control, we strictly follow the "Stop doing list", in order toensure minimize risk from the start.With the guarantee function of the capital preservation fund, it can fully protect the safety of clients' assets.
Use segregated funds withInvestment loanto最大化本金，最快速增长。AiF与客户作为利益共同体，从客户利益出发，与客户共赢。
STEP. 1
Pick a Time
Choose your preferred time for a free one-on-one consultation with AIF's financial advisors/investment specialists.
A financial advisors/investment specialists will help you understand how our products will achieve your goals. If you do not have a clear plan for your future investment, our advisor can also customize your personal investment loan plan and plan your wealth life according to your real situation.
STEP. 2
Investing NOW
The best time to invest is 10 years ago and now.
Your advisor will help you make decisions, fill out paperwork and ensure funding is available. Your account will be opened under banks and fund companies, and all operations must be confirmed by your signature.
STEP. 3
Enjoy Life
If you think our investment ability needs time to test, we highly recommend you start with a PAD of $50 per month, or open a $1000 TFSA account.
If you have enough trust in us, investment loan will be your best choice, you will have the opportunity to achieve your financial goals 10 years ahead of others. AIF can help you enjoy the power of compound interest.
Through Ai Financial, you can hold segregated funds in any account, including but not limited to TFSA, RRSP, RESP, Non-Reg, and more.
Depending on individual/family circumstances, such as your investment goals, risk tolerance, etc., please consult our advisors for assistance in creating a suitable plan.
Yes, our office staff will guide you on how to view your investment accounts, which are held under the fund companies associated with the products you have purchased, unless we have your signed authorization. We cannot access your funds. Our services are transparent, secure, and reliable.
根据 Ai Financial 投资理念，我们选取的保本基金主要投资于美股市场，选取龙头产业的龙头企业，过去10年平均复利回报为年均21.6%。
At the same time, based on profitability, we believe it is appropriate to utilize leverage to maximize assets and maximize returns. Segregated funds are the most suitable financial products to be paired with investment loans.
All the returns you see on our website have already deducted the MER management fee. Additionally, Ai Financial does not charge you any fees. The returns you see are the final actual returns.