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Financial Planning
Insurance Investing

Insurance Investing

Segregated FundsAnnuities & GIAs

Mitigate The Risk Of Equity Mutual Funds

To benefit from mutual funds, investors must be willing to accept a certain level of risk that comes from market volatility. This risk can pay off in higher returns, but there is also the possibility that you could experience a loss. If the thought of losing any of your assets, even temporarily, keeps you up at night, then you may want to consider adding segregated funds to your portfolio.

Segregated funds combine the protective benefits of an insurance contract with the investment performance potential of mutual funds. Segregated funds are professionally managed investment funds that give investors the opportunity to build wealth while reducing their risk.

An Effective Investment Strategy

While segregated funds are similar in many ways to mutual funds, they can offer you some unique features:

  • Principal protection
    Your original investment may be guaranteed for 75 to 100 per cent of its value, no matter how the underlying mutual fund is performing, less any reductions for withdrawals or fees.
  • Possible reset feature
    You can possibly lock in any gains several times a year.
  • Pay your beneficiaries
    Funds bypass probate (not applicable in Quebec) to go directly to your beneficiaries.
  • Creditor protection
    Funds have potential protection from creditors.
  • Predictable and sustainable retirement income
    A new type of segregated fund offers guaranteed withdrawals that provide you with a predictable and sustainable income in retirement.

We Can Help You Navigate The Segregated Fund Universe

By working with CIBC Wood Gundy, you can gain access to a wide range of segregated funds. We have established relationships with Canada's leading insurance and mutual fund companies providing the most innovative segregated funds available. Together, we can review their offerings to determine which funds have the options and features that are right for you today and tomorrow.

Uncover Your Needs

Together with your CIBC Wood Gundy Investment Advisor, you can review your current situation and your needs for the future to determine a path to your financial future. To find out how we can help you, use our Find An Advisor tool to locate a CIBC Wood Gundy Investment Advisor near you.

The information contained herein is considered accurate at the time of posting. CIBC and CIBC World Markets Inc. reserve the right to change any of it without prior notice. It is for general information purposes only.

Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc.

Segregated funds may guarantee up to 100 per cent of your initial investment at maturity (minimum 10 years from issue) or immediately upon the death of the annuitant. Withdrawals made before the maturity dates are subject to the current values of the segregated fund; the actual amount may be higher or lower than the maturity guarantee amount. Past performance of a segregated fund is not indicative of future performance. Please read the Information Folder carefully before investing.

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