Segregated Funds

Spousal Registered Retirement Savings Plans are not universally understood by investors, and are certainly not utilized to their maximum benefit.

These financial vehicles were designed to encourage retirement savings with tax breaks at time of contribution and at time of withdrawal, just like regular RRSPs.

After all the bills are paid, sometimes we find ourselves with a surplus of cash and are left wondering the best way to use it.  Your options for available cash essentially fall into three categories: spending it, investing it, or pay down debt.  Trying to perfect the balancing act of savings as much as possible while still trying to pay for a mortgage can be stressful and somewhat confusing.  While there is no one-size-fits-all solution for allocating cash, there are some tried and true principles that could help you make the most of your money.

Dollar Cost Averaging (DCA) is a structured approach to buying investments.  DCA is intended to temper the volatility of your investment portfolio by breaking large holding purchases into smaller buys done over time.

Instead of buying a large holding of a single investment vehicle all at once, the entire purchase is divided into smaller transactions and spread over a period of time.

Investments can represent a major source of income for some individuals and with that income comes a wide variety of tax implications. The good news is that some types of investment incomes are subject to special tax treatment.  Understanding how your investments are taxed is an important part of your financial plan.  The most common types of investment income most investors will have to deal with are interest, dividends, and capital gains.

t’s a question we hear often – can I guarantee my investment? Well, in a sense, yes – the product you’re talking about is called a Segregated Fund.



Segregated funds, usually referred to as “Seg Funds”, are individual insurance contracts that invest in one or more asset, much like a mutual fund. Unlike mutual funds, Seg Funds provide a death and/or maturity guarantee that protects a portion of invested capital (usually between 75% to 100%).

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 …

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 …