Viewpoints about Segregated funds
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Making the most of your maturity guarantee
Segregated fund contracts approaching their maturity date that have seen their market value decline may be eligible for a maturity top-up. What is the impact?
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A guaranteed return – and more
Guaranteed interest accounts (GIAs) provide interest income, insurance benefits and flexibility. Learn more about them.
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Get acquainted with segregated funds
Keen to start investing in segregated funds, but confused about the terminology? Here's a glossary of frequently used terms that could come in handy.
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Considering Insurance Trusts¹ and the annuity settlement option
Passing on savings to the next generation? Your goals and possible scenarios will determine whether an annuity settlement option or a trust is the best option.
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Seeking shelter in stormy seas
Learn how Segregated fund contracts can offer a safe harbour for Canadians worried about volatile markets.
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Protecting your nest egg after you’re gone — Annuity Settlement Option
Spacing out an inheritance: The Annuity Settlement Option
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Alter ego trusts: an answer to enhance creditor protection (Quebec edition)
Alter ego trusts may provide creditor protection and offer efficiency in the case of incapacity.
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RRSP segregated fund contracts — naming a successor annuitant or Joint Life
Naming a spouse as a beneficiary of your RRSP can be a simple and cost-effective way to pass on your RRSP at death. With an RRSP segregated fund contract, these benefits can be enhanced by naming your spouse as a successor annuitant or Joint Life on the contract. Using one of these designations, you can keep the current estate planning benefits already available with a beneficiary designation while adding more flexibility and choice for your spouse after your death.
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Creditor protection — Top 10 tips for business owners
Business owners may be unaware of risk to personal assets from creditor claims. That's why it's critical to regularly review their creditor protection strategy.
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Taking capital gains or losses now to avoid estate and probate fees later
Triggering a capital gains tax bill to gain the wealth transfer benefits of segregated funds or insurance company GICs may increase an estate's final value.
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