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 AiF investors, we offer protective, growth-oriented, flexible, and controllable investment strategies that cater to the needs of all long-term investors.
We Offer:
The AiF investment system brings clients an average annual compound interest return of 21.6%. 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 to ensure 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 with Investment loan to maximize principal and grow faster. AiF always meet clients’ best interest and get wealth together.
STEP. 1
Pick a Time
"Choose a time that suits you best for a one-on-one, complimentary consultation with an AiF investment advisor.
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 assist you in making decisions, completing paperwork, and ensuring funds are in place. Your account will be opened with reputable banks and fund companies. All transactions require your personal signature and confirmation. AiF does not directly handle your funds; it only provides recommendations based on market conditions.
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've developed sufficient trust in us, leveraging investment loans might be your best choice, offering you the opportunity to achieve financial goals a decade ahead of others. AiF will assist you in harnessing the power of compound interest for your benefit.
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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.
Based on Ai Financial's investment philosophy, the segregated funds we select primarily invest in leading companies within the leading industries of the US stock market. Over the past 10 years, the average compound annual return has been 18.8% or higher.
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 returns you see on our website have already been net of MER management fees.