Investing & Saving
Segregated Funds
Investment funds issued by insurance companies with contract features that may include maturity or death benefit guarantees.
Investment values can fluctuate. Returns are not guaranteed. Past performance does not predict future results. Any guarantees on segregated funds are issued by the insurance company or carrier according to the contract—not by SEENCO. SEENCO does not guarantee investment performance.
What it is
Segregated funds are investment products issued by insurance companies and held within an insurance contract. They may invest in equities, bonds, or other assets like mutual funds.
Some contracts include guarantees on maturity or death, subject to conditions and the financial strength of the issuing insurer.
Who may want to learn about it
- You may want to learn about segregated funds if you are comparing them with mutual funds for estate planning or guarantee features.
Common considerations
Risk and volatility
Market-based investments can lose value. Returns are not guaranteed and past performance does not predict future results.
Fees and compensation
Management fees, sales charges, and other costs reduce net returns. Ask how compensation is structured.
Time horizon
Longer horizons may allow more volatility, but suitability depends on your goals and other holdings.
Tax treatment
Registered accounts have rules for contributions, withdrawals, and attribution. Tax rules can change.
What to bring to a consultation
- Government-issued photo ID and contact information
- List of existing registered accounts (TFSA, RRSP, RESP, etc.)
- Recent account statements or contribution summaries, if available
- General time horizon and goal categories (education, retirement, savings)
- Employer pension or group plan summaries, if applicable
- Questions about fees, risk tolerance categories, and tax treatment (for advisor discussion)
This page is for general educational information only and does not replace advice from a licensed professional. SEENCO Financial Services Inc. does not guarantee approval, payout, savings, returns, or performance.
Related pages
Frequently asked questions
No. Any guarantees are issued by the insurance company according to the contract. Investment values can still fluctuate.
Speak with a licensed SEENCO advisor
Request a consultation in plain language — no pressure, no commitment. A licensed advisor can review options when you are ready.