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Segregated Funds
A Way To Build Wealth And Limit Risk
If you're looking for a unique investment opportunity that combines potential for growth with peace of mind, segregated funds could work for you. Segregated funds are professionally managed investment funds that give investors the opportunity to build wealth while minimizing their risk. Though similar in many respects to mutual funds, segregated funds offer investors some distinct benefits.
The Potential To Secure Your Gains
In addition to the virtually unlimited opportunity for growth offered by mutual funds, segregated funds provide potential protection against downturns in the stock market upon maturity or death. This is possible because they offer a reset feature that enable you to lock in your gains. By combining the protective benefits of an insurance contract with the investment performance potential of mutual funds, segregated funds can be an effective strategy for long-term investing.
As an investor, you benefit from the ability to:
- Protect your principal by locking in gains
- Avoid probate fees (do not apply in Quebec) by naming a beneficiary if you are the named owner
- Potentially protect your assets from creditors
Take Control Of Your Portfolio
Leading mutual fund companies and institutional investment managers have joined forces with insurance companies to provide investors with the flexibility to build a highly diversified portfolio by offering segregated funds. Much like with mutual funds, professional money managers make investment decisions based on the objectives and the management style of the fund. However, you maintain control through the ability to allocate your investment over the major fund categories and to change the asset mix of your funds.
We Can Help
We can offer you a broad range of segregated funds issued by Canada's top insurance companies. Your CIBC Wood Gundy Investment Advisor will help you determine if segregated funds are a suitable investment vehicle to assist you in meeting your investment goals and objectives. To find out how we can help you, use our Find An AdvisorOpens a new window in your browser. tool to contact a CIBC Wood Gundy Investment Advisor near you.