Why today’s segregated funds are worth another look
You have insurance on your house and your car, doesn’t it also make sense to insure your investments? What if you were approaching retirement and there was another devastating dip in the stock market, wiping out half your savings, what would you do?
Segregated funds, offered only by life insurance companies, are guaranteed to protect 75% to 100% of the money you invest—even if the underlying investment loses its value. For conservative investors, segregated funds offer peace of mind.
Historically, the stock market has had many dramatic downturns. These funds combine the growth potential of investment funds with the security of insurance protection. Segregated funds guarantee either 75% or 100% of your initial investment (client choice) upon maturity of the investment contract, which is usually 10 years from the start. So, if you are within 10 to 15 years of retirement, a portion of your investments should be in segregated funds. Your Financial Advisor can help you understand the different features, which can vary from company to company.
Your money will be invested into an underlying asset just like a mutual fund.
Another feature is the guaranteed death benefit payable to your beneficiary. This means that if you were to pass away in a down market with your investment’s current value lower than your original investment, the insurance company will pay your beneficiaries the lost value. The guarantee is usually 100% of your original investment, guaranteed on the day of your death.
Naming a beneficiary on a segregated fund allows for the distribution of the funds privately, which means that funds can be transferred to a beneficiary outside of the Will and is not included in the calculation of probate fees.
Business owners can also use segregated funds to protect their investments from creditors. This is especially valuable if they face the prospect of having assets seized from a lawsuit or creditors.
One objection has always been that seg funds had high fees or Management Expense Ratio’s (MERs). However, these fees have come down dramatically over the last few years. Today, you can purchase a segregated fund at fees of less than 1%.
If you are considering this type of investment, you don’t need to commit your entire portfolio. You can start small, perhaps a quarter of your savings, and once you see it works as well as mutual funds, you could do more.
Contact your Financial Advisor to learn which funds offer the best features and fee structure for your needs.
Nice article Renee and thanks to the Kent Environmental Council for initiating this event.AMAZING article. Will save as a resource. Thank you!
dulxeehxq vglfs jrvxcxg nuqz syfecckjoucvxsm
Your point of view caught my eye and was very interesting. Thanks. I have a question for you. https://accounts.binance.com/es/register?ref=PORL8W0Z
Incredible points. Outstanding arguments. Keep up the good effort.
Thanks for sharing your thoughts on %meta_keyword%. Regards
I think this is one of the such a lot important information for me. And i’m satisfied reading your article. However want to observation on few basic things, The site taste is perfect, the articles is in point of fact nice : D. Just right activity, cheers
One of the leading academic and scientific-research centers of the Belarus. There are 12 Faculties at the University, 2 scientific and research institutes. Higher education in 35 specialities of the 1st degree of education and 22 specialities.
Hi would you mind letting me know which webhost you’re working with? I’ve loaded your blog in 3 completely different internet browsers and I must say this blog loads a lot quicker then most. Can you suggest a good web hosting provider at a reasonable price? Cheers, I appreciate it!
Pretty! This was a really wonderful post. Thanks for providing this info.
Highly energetic article, I enjoyed that a lot. Will there be a part 2?
Wonderful article! We will be linking to this great post on our site. Keep up the good writing.
I love what you guys are usually up too. This sort of clever work and coverage! Keep up the amazing works guys I’ve incorporated you guys to my personal blogroll.
Inspiring quest there. What occurred after? Thanks!
I all the time used to read post in news papers but now as I am a user of internet thus from now I am using net for posts, thanks to web.
I’m really enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Outstanding work!
Автомойка под ключ – простой путь к своему бизнесу. Получите современное, энергоэффективное и привлекательное для клиентов предприятие.
Строительство автомоек под ключ – наша специальность. Мы заботимся о каждой детали, чтобы обеспечить надежное и прибыльное хозяйство.
Ищете надежного партнера для строительства автомойки? Мы предложим индивидуальные решения и полное сопровождение проекта от начала до конца.
Wow, that’s what I was looking for, what a stuff! present here at this weblog, thanks admin of this website.
My brother suggested I would possibly like this blog. He used to be totally right. This post actually made my day. You cann’t believe just how much time I had spent for this information! Thank you!
Hi mates, nice piece of writing and good arguments commented here, I am actually enjoying by these.
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me? https://www.binance.com/ka-GE/join?ref=RQUR4BEO
318717 564512if this post was likened to a flavor of yogurt, what flavor would it be? Banana, I think. 198431
83839 24800Often the Are generally Weight reduction strategy is unquestionably an low-priced and flexible weight-reduction plan product modeled on individuals seeking out shed some pounds combined with at some point sustain a far healthier your life. la weight loss 935199
397181 961540hi there, your website is discount. Me thank you for do the job 51521
871897 668548You ought to join in a contest for starters with the highest quality blogs online. I will recommend this page! 87070
657653 638956Xanax (Alprazolam) is used to treat anxiety disorders and panic attacks. Alprazolam is in a class of 60786
617690 982184Hi my friend! I want to say that this post is incredible, nice written and consist of approximately all significant infos. Id like to see a lot more posts like this . 723340
146671 353608One can undertake all sorts of advised excursions with assorted limousine functions. Various offer fantastic courses and numerous can take clients for just about any ride your bike more than the investment banking region, or even for a vacation to new york. ??????? 389194
142956 697007Wow, incredible weblog structure! How lengthy have you ever been blogging for? you created running a weblog appear straightforward. The full appear of your website is fantastic, nicely the content material! 898581
439803 624540You completed several great points there. I did specific searches on the problem and located a lot of individuals go in conjunction with along along with your weblog. 951647
823378 584170noutati interesante si utile postate pe blogul dumneavoastra. dar ca si o paranteza , ce parere aveti de inchiriere vile vacanta ?. 775877