Segregated Funds

Segregated funds are investments held within an insurance contract. Although they are similar to mutual funds, they have some additional benefits including:

• Estate Settlement – They can assure that your beneficiary receives death benefits without the hassle and expense of the probate process.

• Potential Creditor Protection – As they are held within an insurance contract, segregated funds can be protected against creditors or seizures in the event of bankruptcy.

• Guarantees – Depending on the selected plan, segregated funds can guarantee 75% to 100% of the premiums paid in the event of death or contract maturity.

Registered Retirement Savings Plan (RRSP)

Starting and adding to a RRSP is a fundamental part of your overall financial plan. Not only do RRSPs provide you with tax deductibles, they also secure a worry free financial future.

Non-Registered

Although non-registered investments include taxable gains, they have a few advantages over registered investments, including:

• Less restrictions

• Flexible withdrawals

• Funds that can be used as collateral

• Tax deductible interest on funds borrowed for investment

Often times, a structure of both registered and non-registered investments is combined to create the most efficient gain results.