Like mutual funds, segregated funds typically pool money from thousands of investors and employ professional fund managers to invest it in a variety of individual securities. The profits or losses earned by these investment vehicles are passed on to investors in the form of increased or decreased unit values.

Segregated funds are regulated as insurance products rather than as securities. This difference means segregated fund contracts may have certain advantages including:

• potential creditor protection
• no trustee fees
• estate bypass with a named beneficiary
• death and maturity guarantees

With 45 segregated funds to choose from, I can help you decide which is the right fit for you. 

Segregated funds are components of financial security plan that can help you reach your retirement and investment goals.

• Payout annuities
• RRSPs
• RRIFs
• LIFs

A description of the key features of Freedom Funds, Marketwatch, Freedom Funds, RRIF, LIF or LRIF is contained in the information folder, available from your Freedom 55 Financial Security Advisor.

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.

Important legal information regarding segregated fund contracts.