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Posts from the ‘Segregated Funds’ Category

TFSA or RRSP? 2019

One of the most common investment questions Canadians ask themselves today is, “Which is better, TFSA or RRSP”?

Here’s the good news – it doesn’t have to be an either or choice.  Why not do both? Below are the features of both plans to help you understand the differences.

Tax Free Savings Account (TFSA)

  •  Any Canadian resident age 18 or over may open a TFSA. Contribution is not based on earned income.  There is no maximum age for contribution.
  • For 2018, the maximum contribution remains at $5,500.  For 2019, that increases to $6,000.
  • There is carry forward room for each year in which the maximum contribution was not made. For those who have not yet contributed to a TFSA, the cumulative total contribution room for 2018 is $57,500.  It will increase in 2019 to $63,500. Read more

Segregated Funds: Investing With A Safety Net

Investing in today’s environment is not for the faint of heart.  However, fortunately for Canadians, Segregated Fund products offered by many life insurance companies provide a safety net for nervous investors.

Fund products present some interesting opportunities for people looking to get more security in their investment portfolios without sacrificing their potential for growth.

100% Maturity and Death Benefit Guarantee

At a time when most companies are reducing their guarantees to 75%, a few companies still offer 100% guarantees for both maturity value and death benefit.   Read more »

New Generation Segregated Funds from BMO Insurance

In December, 2013, BMO Insurance entered the Segregated Fund market place for the first time with their Guaranteed Investment Funds product line.  Segregated Funds offer a haven for investors who are concerned about the market risk and volatility of their portfolio.  BMO’s GIF product offers up to a 100% maturity and death benefit guarantee as well as incorporating some new and interesting features and options. Read more »

What Are Segregated Funds & Are They Right For Me?

It can be confusing in the world of investment choice.  Do you sacrifice security for higher returns?  Or do you play it safe and go the guaranteed route locking yourself into low returns?  Fortunately for Canadian investors there is another option: Segregated Funds.

What are Segregated Funds?

Seg Funds are similar to mutual funds but only sold by life insurance companies which allow for the special “insurance” feature that makes segregated funds a safer investment. Read more »