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Benefits of Segregated Funds

Want to protect, grow and preserve your money? Segregated funds come with their own set of unique features.

Guarantee Your Original Investment

Segregated funds offer two important guarantees:

  • The maturity guarantee protects a percentage of the value of your investment at the end of your investment term–guaranteed.
  • The death benefit guarantee ensures a specific percentage of the value of your investment will be passed on to your beneficiaries if you were to pass away.1

Lock-in Market Gains

When markets go up, some segregated funds let you “reset” the guaranteed value of your investment.

You can reset the guaranteed value of your contract when the market value exceeds the original value of your investment, allowing you to lock in market growth. Generally, when you use a reset, your maturity date is also reset. RBC GIF Series 2 offers a reset option.

Provide Security to Loved Ones

If you think you might want to pass along your assets to your loved ones, segregated funds offer a great solution.

Segregated funds help you preserve your money by:

  • Guaranteeing that your beneficiaries receive a certain percentage of your investments
  • Allowing your proceeds to pass directly to your beneficiaries without going through probate 2 (the process by which a court formally approves a Will). This means:
    • Your loved ones receive the money faster
    • Your estate remains private
    • More money is passed along

Protect Your Money from Creditors

Because segregated funds are an insurance product, they may be protected from creditor claims due to bankruptcy. This is a key feature if you’re a business owner. If you own a business, talk to your financial or legal advisor to see how segregated funds could protect your money.

Your One-Stop Shop for Segregated Funds

It’s Easy to Get Started

Start investing with as little as $50 per month when you set up a pre-authorized debit (PAD) plan.

Choose Your Accounts

You can hold RBC GIFs in an RRSP, TFSA, non-registered plan, locked-in plan, RRIF or LIF. Access your money at any time.1

Selection of Funds

Choose from 26 individual Guaranteed Investment Funds (including money market, balanced, fixed income and equity funds) and 4 portfolio solutions.

Simplify Your Investing

RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to give you the right asset mix for your needs.

Reach Your Financial Goals with an RBC GIF Series

Three RBC GIF Series to Meet Your Needs

Invest Series

Higher opportunity for growth combined with lower fees. Perfect if you want to grow your money and don’t need maximum guarantees.

Highlights:
  • Death benefit guarantee1: 75% of your deposit or the market value2, whichever is higher
  • Lower fees than RBC GIF Series 1 and Series 2
  • Choice of 26 individual funds, including specialty funds
  • 4 portfolio solutions available
The Right Choice If You:
  • Are looking for long-term growth and flexibility from your investments
  • Are saving for retirement or another future goal
  • Want to protect your money but don’t need maximum guarantees
  • Want to diversify your investments
  • Are interested in creditor protection

Compare the series at a glance

Fund Prices & Performance

Investments Available for the Series

RBC Guaranteed Investment Portfolios

RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you.

All of our GIPs are available within our Invest Series, Series 1 and Series 2.

Note: the fund links below will take you to individual fund performance and other fund-specific information.

Highlights

Growth & income potential: Moderate

Investment risk: Low to medium

Invests primarily in: Canadian fixed income securities

Your investment timeframe: Medium to long-term

Target Allocation*
65% Fixed Income, 15% Canadian Equities, 10% U.S. Equities, 10% International Equities

Highlights

Growth & income potential: Long-term capital growth and modest income

Investment risk: Low to medium

Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds

Your investment timeframe: Medium to long-term

Target Allocation*
45% Fixed Income, 20% Canadian Equities, 20% U.S. Equities, 15% International Equities

Highlights

Growth & income potential: Long-term capital growth

Investment risk: Medium

Invests primarily in: Canadian, U.S. and international funds

Your investment timeframe: Long-term

Target Allocation*
30% Fixed Income, 25% Canadian Equities, 25% U.S. Equities, 20% International Equities

Highlights

Growth & income potential: Maximum long-term growth

Investment risk: Medium to high

Invests primarily in: Canadian, U.S. and international funds

Your investment timeframe: Long-term

Target Allocation*
0% Fixed Income, 35% Canadian Equities, 35% U.S. Equities, 30% International Equities

*The portfolio target allocations are subject to change without notice.

Series 1

Protect your money with extra guarantees. A great choice if you’re not much for risk and/or you’re planning your estate.

Highlights:
  • Maturity guarantee1: 75% of your deposit or the market value2, whichever is higher after 10 years
  • Death benefit guarantee1: 100% of your deposit before age 80 (80% after age 80) or the market value2, whichever is higher
  • Choice of 23 individual funds and 4 portfolio solutions
The Right Choice If You:
  • Want to reduce risk and protect your money against dips in the market
  • Are saving for retirement or another future goal
  • Want to pass on as much as possible to your loved ones
  • Want to diversify your investments
  • Are interested in creditor protection

Compare the series at a glance

Fund Prices & Performance

Investments Available for the Series

RBC Guaranteed Investment Portfolios

RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you.

All of our GIPs are available within our Invest Series, Series 1 and Series 2.

Note: the fund links below will take you to individual fund performance and other fund-specific information.

Highlights

Growth & income potential: Moderate

Investment risk: Low to medium

Invests primarily in: Canadian fixed income securities

Your investment timeframe: Medium to long-term

Target Allocation*
65% Fixed Income, 15% Canadian Equities, 10% U.S. Equities, 10% International Equities

Highlights

Growth & income potential: Long-term capital growth and modest income

Investment risk: Low to medium

Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds

Your investment timeframe: Medium to long-term

Target Allocation*
45% Fixed Income, 20% Canadian Equities, 20% U.S. Equities, 15% International Equities

Highlights

Growth & income potential: Long-term capital growth

Investment risk: Medium

Invests primarily in: Canadian, U.S. and international funds

Your investment timeframe: Long-term

Target Allocation*
30% Fixed Income, 25% Canadian Equities, 25% U.S. Equities, 20% International Equities

Highlights

Growth & income potential: Maximum long-term growth

Investment risk: Medium to high

Invests primarily in: Canadian, U.S. and international funds

Your investment timeframe: Long-term

Target Allocation*
0% Fixed Income, 35% Canadian Equities, 35% U.S. Equities, 30% International Equities

*The portfolio target allocations are subject to change without notice.

Series 2

The highest level of protection with the option to lock in your money if the fund value goes up. Ideal if you want growth without the risk.

Highlights:
  • Maturity guarantee1: 75% of your deposit or the market value2, whichever is higher after 10 years
  • Death benefit guarantee1: 100% of your deposit before age 80 (80% after age 80) or the market value2, whichever is higher
  • Option to reset every year until age 90
  • Choice of 10 individual funds and 4 portfolio solutions
The Right Choice If You:
  • Want to lock in investment growth when markets go up
  • Prefer to reduce risk and protect your money against dips in the market
  • Want to pass on as much as possible to your loved ones
  • Are saving for retirement or another future goal
  • Are interested in creditor protection

Compare the series at a glance

Fund Prices & Performance

Investments Available for the Series

RBC Guaranteed Investment Portfolios

RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you.

All of our GIPs are available within our Invest Series, Series 1 and Series 2.

Note: the fund links below will take you to individual fund performance and other fund-specific information.

Highlights

Growth & income potential: Moderate

Investment risk: Low to medium

Invests primarily in: Canadian fixed income securities

Your investment timeframe: Medium to long-term

Target Allocation*
65% Fixed Income, 15% Canadian Equities, 10% U.S. Equities, 10% International Equities

Highlights

Growth & income potential: Long-term capital growth and modest income

Investment risk: Low to medium

Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds

Your investment timeframe: Medium to long-term

Target Allocation*
45% Fixed Income, 20% Canadian Equities, 20% U.S. Equities, 15% International Equities

Highlights

Growth & income potential: Long-term capital growth

Investment risk: Medium

Invests primarily in: Canadian, U.S. and international funds

Your investment timeframe: Long-term

Target Allocation*
30% Fixed Income, 25% Canadian Equities, 25% U.S. Equities, 20% International Equities

Highlights

Growth & income potential: Maximum long-term growth

Investment risk: Medium to high

Invests primarily in: Canadian, U.S. and international funds

Your investment timeframe: Long-term

Target Allocation*
0% Fixed Income, 35% Canadian Equities, 35% U.S. Equities, 30% International Equities

*The portfolio target allocations are subject to change without notice.

Segregated Fund FAQs

Have a question about segregated funds? Get the answers you need here.

You can start investing in an RBC Guaranteed Investment Fund (GIF) for as little as $50 per month when you set up a pre-authorized debit (PAD) plan.

You can hold RBC Guaranteed Investment Funds (GIFs) in a number of account types, including Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), non-registered plans, locked-in plans and Registered Retirement Income Funds (RRIFs).

If a segregated fund has a “reset” option, you can reset the guaranteed value of your contract when the market value becomes higher than the original value (or “book value”) of your investment. This reset function allows you to keep pace with market growth. Generally, when the reset feature is used, the maturity date will also be reset.

The Invest Series, Series 1 and Series 2 have different options and features to meet different investment needs and goals. Take a look at our comparison chart to see what each one offers.

RBC Guaranteed Investment Funds (GIFs) and RBC Select Guaranteed Investment Portfolios (GIPs) are available in three different series—Invest Series, Series 1 and Series 2—each designed to help meet various investing goals. A licensed RBC Insurance® Advisor can help you determine which series—or combination of series—is right for you.

Portfolio solutions, such as RBC Select Guaranteed Investment Portfolios (GIPs) are designed to provide the right asset mix to meet your risk profile and investment objectives. Each RBC Select GIP is actively monitored and rebalanced by RBC Global Asset Management™ to ensure your investments remain on track. There are 4 RBC Select GIPs availableso whether you’re a conservative investor or more growth-oriented, you’re sure to find a portfolio that meets your needs.

Yes. Segregated funds are actually ideal investment solutions for individuals who don’t qualify for life insurance. That’s because they offer death benefit guarantees that ensure your beneficiaries will receive a guaranteed percentage of your original investment (less any withdrawals and fees) upon your death. There is no medical checkup or underwriting required.

Yes, you can withdraw from a segregated fund before the maturity date, however your guarantees will be affected. They will be proportionately reduced by any withdrawals or fees applicable to the withdrawal.

Want to Know More?

Ask us how segregated funds can help you protect, grow and preserve your money.

Have an existing RBC GIF contract? Please contact your current advisor.

1)

Will be reduced proportionately for all withdrawals and fees.

 
2)

Please refer to the information folder and contract to understand how the guarantees work.


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. RBC Guaranteed Investment Funds are individual variable annuity contracts and are referred to as segregated funds. 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.