Benefits of Segregated Funds
Want to protect, grow and preserve your money? Segregated funds come with their own set of unique features.
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
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.
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 probate2 (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
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.
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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 chartOpens in new window 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.
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Have an existing RBC GIF contract? Please contact your current advisor.
Will be reduced proportionately for all withdrawals and fees.
Please refer to the information folder and contract to understand how the guarantees work.
Please contact your advisor if you require copies of previously published Financial Statements and/or Fund Facts.
Resets let you take advantage of market growth. You can reset the guaranteed value of your segregated fund contract when the market value exceeds the original value of your investment. Generally, when a reset is used, your maturity date will also be reset based on how far into the original term you are.