"I Want To Grow And Protect My Money."
Segregated funds – An Ai Financial Guide
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.
Segregated Funds
- Simple and efficient buying & selling process
- Medium fees and high transparency in all transactions
- Strong liquidity for easy access and steady cash flow
- Tax convenience
- Accept PAD
- Tax Efficiency
- Principle Guarantee
- Named beneficiary & Probate-free
- Creditor protection
Mutual Funds
- Simple and easy to buy and sell
- Diversification
- Lower cost and high transparency
- Strong liquidity, providing cash flow
- Tax convenience
- Accept PAD
- Flexibility
- Tax Efficiency
Segregated Funds Key Benefits
Principle Guarantee
The maturity guarantee protects a percentage of the value of your investment at the end of your investment term–guaranteed. The death benefit guarantee ensures a specific percentage of the value of your investment will be passed on to your beneficiaries if you were to pass away
Named beneficiary & Probate-free
When you pass away, your segregated fund assets go directly to your beneficiaries without going through the lengthy and expensive probate process. This ensures a quicker, smoother transfer of your wealth to your loved ones.
Creditor protection
Segregated funds are an insurance product, they may be protected from creditor claims due to bankruptcy. This is a key feature if you’re a business owner. If you own a business, talk to your financial or legal advisor to see how segregated funds could protect your money.
Why Ai Financial Leads
Proven Results
Over the past decade, we've achieved an average annual return of 21.6% (2013-2023), helping clients double their investments in just 5 years.
Low Initial Investment
Start your investment journey with as little as $50 — and see real results over time.
Custom Solutions
Start your investment journey with as little as $50 — and see real results over time.
With AI Financial, you can grow your wealth securely with segregated funds, backed by leading insurance companies and tailored to your unique needs.
Ai Financial Your All-in-One Investment Solution
We partner with industry-leading providers such as iA Financial Group, Manulife, Canada Life, Equitable Life, and Sun Life to deliver premium segregated funds. Backed by these trusted names, our offerings ensure security, reliability, and the confidence you need for a stable financial future.
We are regulated by leading industry authorities to ensure your investment is secure and trustworthy, including:
- Canadian Council of Insurance Regulators (CCIR)
- Canadian Investment Regulatory Organization (CISRO)
- Financial Services Regulatory Authority of Ontario (FSRA)
- Office of the Superintendent of Financial Institutions (OSFI)
- Alberta Insurance Council (AIC)
- Insurance Council of British Columbia (ICBC)
- Autorité des marchés financiers (AMF)
- Insurance Bureau of Canada (IBC)
These regulatory bodies help ensure that we meet the highest standards of safety, transparency, and professionalism in managing your investments
Ready to Secure Your Financial Future?
Getting Started with AI Financial is Simple:
- Book a Free Consultation – Our expert advisors will help you understand your options and craft a personalized investment strategy.
- Set Up Your Account – Open a new account or transfer from another institution with ease. We’ll guide you every step of the way.
- Choose Your Guarantee – Secure your investment with the right protection and take advantage of the unique benefits of segregated funds.
- Grow Your Wealth – Let us build a portfolio designed to maximize your returns, just like we’ve done for our clients who’ve seen an average annual return of 21.6%.
Common FAQs
Who are Segregated Funds for?
Segregated funds are for people of all ages. However they are more suited towards:
- People who want to simplify the transfer of their estate to their heirs
- People approaching retirement who want to protect their retirement savings
- Self-employed workers or small business owners who want protection in case of bankrupcy or lawsuits
- Anyone looking to grow their investments in the long term
Why choose Segregated Funds over Mutual Funds?
In addition to capital protection at maturity and at death, segregated funds offer many unique advantages, including:
- No probate fees for estate settlement
- Protection against creditors in case of bankruptcy or lawsuits
- Protection for gains
- Simplified tax returns for investments
- Quick estate settlement thanks to beneficiary designation
Some fund series also offer the possibility of guaranteed income for life
Do Segregated Funds offer good potential for capital growth?
Can I access my money before the maturity date?
Yes, you can withdraw from a segregated fund before the maturity date, however your guarantees will be affected. They will be proportionately reduced by any withdrawals or fees applicable to the withdrawal.
At AiFinancial, we provide loans to invest in segregated funds, which we manage for you. While you cannot withdraw from the loan itself, you can access earnings generated from your investment. This ensures your principal loan remains intact while still allowing you to benefit from the growth of your investments.”