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Aviso Insurance Inc.

Segregated funds

Invest with peace of mind


Growth potential with capital protection
With segregated funds, you can protect the money you invest while pursuing your financial goals. Segregated funds are similar to mutual funds, but since they’re offered by life insurance companies, they allow you to protect the money you invest with guarantees, and access other key benefits important for estate and legacy planning.


Invest with peace of mind

Whether you choose a segregated fund or a mutual fund will depend on your personal circumstances and the investment goals you are working towards with your financial advisor.

Segregated funds can be an ideal choice for many different types of investors:

    • Conservative investors looking for growth without risk

    • Pre-retirees looking to build their nest egg quickly, without fear of the market dropping

    • Investors wishing to keep their affairs and estate private

    • Those concerned with probate fees on their estate assets

Segregated fund guarantees protect your investments from declining markets:

    • Maturity guarantee: When held for a specified period of time (usually 10 or 15 years), either 75% or 100%* of your deposits are guaranteed, regardless of the market.

    • Death benefit guarantee: Upon the investor’s death, the beneficiary receives either 75% or 100%* of the invested funds.

When your investments grow beyond 100% of the deposits, the actual fund value is paid out upon surrender or the investor’s death.

Due to these strong guarantees, many investors choose equities in their segregated fund portfolio, allowing for greater long-term growth with less downside risk.

With segregated funds, you can:

    • Lock-in investment gains periodically with reset options available in some contracts to increase your maturity and death benefit guarantees.

    • Protect privacy and expedite payout to your heirs by using the named beneficiary designation offered through life insurance contracts.

    • Maintain protection from creditors in the unforeseen event of bankruptcy, as segregated funds fall under life insurance legislation.

    • Access tax benefits such as offsetting taxable capital gains with net capital losses.

    • Invest in many account types including TFSAs, RRSPs, RRIFs and non-registered accounts.


Let's start the conversation.
If your needs are more complex, our Wealth Protection Specialists also work with an extended team of experts in the areas of philanthropy, pension and trust services and tax, legal and accounting services.

Protect your wealth and the ones you love. It begins with a conversation.

Talk with us today.

We're ultra-local & here to help!

Call us at 306 842 9509

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Aviso Insurance Inc. offers financial planning, life insurance and investments to members of credit unions and their communities. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value.
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