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Segregated Funds

Segregated Funds – A Smart Investment Choice.

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Do you like the feeling of knowing that your money is well invested and well protected? Segregated funds combine the growth potential of a mutual fund with the security of principal guarantees.

These segregated funds are insurance products, called RBC Guaranteed Investment Funds (GIF), offered by RBC Life Insurance Company.

With segregated funds from RBC Insurance®, you can take advantage of these features and also benefit from the proven track record and world-class investment management of RBC Global Asset Management™, one of Canada's top money managers.

 
 

You are on: Principal Guarantees

While similar to mutual funds, segregated funds offer many unique advantages including maturity and death benefit guarantees, the ability to bypass estate probate and potential creditor protection.

Maturity guarantee:

When a deposit matures and is redeemed (a minimum of 10 years from the date of deposit), you will receive a top-up payment, less any withdrawals and fees, if the market value is less than the guaranteed amount.

Death benefit guarantee:

When a segregated fund annuitant dies and the market value of the investment has declined, the named beneficiary will receive the guaranteed amount, less any withdrawals and fees.

You are on: Segregated Funds vs. Mutual Funds

Features Segregated funds(1) Mutual funds
Professional portfolio management
Diversification among asset classes and management styles
Grow a portfolio while diversifying risk
Liquidity: easy access to your money through daily price valuations
Ability to bypass probate and keep financial affairs private Occasionally(2)
Potential creditor protection for registered accounts
Potential creditor protection for non-registered accounts  
A guarantee of the principal (or a specified percentage) at maturity(3)  
A guarantee of the principal (or a specified percentage) at death(3)  
Lock in market gains using resets  

1) Segregated fund fees are higher than mutual funds, as they include a management fee and an insurance fee component.

2) Non-registered accounts with joint ownership and right survivorship only (all provinces except Quebec). Registered accounts can bypass probate when a beneficiary is named.

3) Withdrawals reduce guarantees proportionately. Guarantees end at age 100.

 

Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. RBC Guaranteed Investment Funds are segregated funds and are referred to as individual variable annuity contracts. RBC Life Insurance Company is the sole issuer and guarantor of the guarantee provisions contained in these Contracts. The underlying mutual funds and portfolios available in these Contracts are managed by RBC Global Asset Management Inc. Details of the applicable Contract are contained in the RBC GIF Information Folder and Contract.

 
Important InformationImportant Information

Upcoming Changes to the RBC Guaranteed Investment Fund (RBC GIF) Fund Line Up

 
 

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RBC Guaranteed Investment Funds

  • Audited Financial Statements
  • Unaudited Financial Statements