"I Want To Grow And Protect My Money."
Welcome to AI Financial, where your financial goals meet peace of mind. We help you grow your wealth while safeguarding it with guarantees and exclusive benefits, our solution offer the perfect balance of growth and protection.
Our Trusted Segregated Funds Providers
What is a Segregated Fund?
Segregated Funds, similar to 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.
Principle Guarantee
Creditor Protection
Named beneficiary & Probate-free
Tax Efficiency
Secure Your Financial Peace and Growth
Why We Choose Segregated Funds
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.
Loan Amount & Terms
Access up to $200,000 for investment in segregated funds, with no need for proof of assets or income, simplifying your investment journey.
Growth Potential
Segregated funds offer the perfect balance of principal protection and growth potential, making them a safe, stable, and rewarding investment option.
Fund Security & Protection
With segregated funds, your investment is fully protected by the insurance company and regulatory authorities, providing you security.
Is it the right choice for you?
Segregated Funds
When considering investment options, it’s important to choose a strategy that aligns with your financial goals and risk tolerance. Segregated funds offer a unique blend of market growth potential and added security, but they may not be the right choice for everyone. Whether you’re a business owner seeking protection, a retiree prioritizing stability, or someone looking for growth with security, segregated funds can offer distinct advantages tailored to your needs.
Business Owners
Segregated funds provide creditor protection, which is crucial for business owners who are at risk of lawsuits or bankruptcy. The funds are treated as insurance products and are shielded from creditor claims in case of financial distress or legal issues.
Investors Seeking Principal Protection
Individuals who are concerned about market volatility and are looking for principal protection would benefit from segregated funds. These funds offer a maturity guarantee, which ensures that a portion of their original investment will be preserved at the end of the investment term, even in a market downturn. This makes them particularly attractive to investors who prioritize security and are looking for a stable, less risky investment option.
High-Net-Worth Individuals and Estate Planners
High-net-worth individuals and those involved in estate planning may find segregated funds particularly valuable. They offer death benefit guarantees and the ability to bypass probate, ensuring that a significant portion of their wealth is passed on to their beneficiaries without delay or legal complications. The insurance component also offers tax benefits, making these funds an attractive option for managing large estates and ensuring a smooth wealth transfer.
Retirement Planners
Investors nearing retirement often need to prioritize capital preservation and steady returns over high-risk investments. Segregated funds provide a blend of guaranteed returns through their maturity guarantees and the potential for growth through market exposure. This makes them an ideal choice for retirement planning, as they offer a safe and stable investment option while still allowing for the potential to grow savings over time.
Investors Seeking Growth with Security
For individuals who want to benefit from market growth but with the added security of insurance guarantees, segregated funds provide a unique balance. They offer market exposure (like mutual funds) while also including features such as death benefit guarantees and principal protection. This combination is ideal for those looking to grow their wealth while minimizing potential losses during market downturns.
Client Success Spotlight
Here are two real client success stories.
All screenshots are from actual client accounts.
See how investment loans and our expertise can help grow your wealth.
$95,000 Profit in 2.5 Years:
A 380% Real Return
Mark’s journey is proof that smart financial moves can change lives. After immigrating to Canada and facing financial hardships, he used a $170,000 investment loan through Ai Financial to achieve a 380% real return in just two years!
5 Years, doubling wealth:
$100,000 Becomes $250,000
Sophia’s investment return has already reached nearly 30% this year! In 2018, she took a $100,000 loan to invest. By last year, her assets had already doubled, with a profit of $150,000!
Your Money is in Good Hand
Why Ai Financial Leads
Ai Financial acts as your trusted broker, providing expert investment advice and handling loan and fund applications.
- Trusted institutions from Canada’s top banks and insurers
- Fully regulated for maximum security
- Funds stay safe in your personal account
- Access through licensed intermediaries only
- Consistently delivering over 20% annual returns, we have achieved remarkable growth for our clients over the past decade
Trusted Canadian lender
Segregated Funds providers
We are regulated by
Ai Financial - ready to help you move forward
Ready to elevate your financial journey? Our team of financial experts is here to guide you every step of the way.
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.”