A segregated fund guarantee has a date, a percentage and a calculation
A 75% or 100% guarantee applies under specific conditions. Withdrawals, resets and the annuitant’s death can each change how much is payable and when.
Final expense insurance: compare the benefit with the bill and the premiums
A small permanent policy may help with death-related costs. Its underwriting, early benefit restrictions and long-term premium commitment deserve the same scrutiny as larger coverage.
Individual pension plans: a retirement promise with a funding obligation
An IPP is an employer pension arrangement, not a universal extra RRSP allowance. Salary, service, actuarial work and the company’s ability to fund the plan shape the comparison.
TFSA, RRSP or FHSA? Follow the money in and out
The tax treatment of a contribution is only half the comparison. Withdrawals, replacement room and the date you need the money can change the decision.
Segregated funds and mutual funds: what the insurance guarantee costs
Both can hold investments that rise and fall. A fair comparison follows the underlying assets, the insurance guarantees, the fees and the date you may need to withdraw.
What Are Segregated Funds in Canada (2026): The Insurance Wrapper Most Investors Have Never Heard Of
Educational content. Examples are hypothetical. Almost everyone who asks about segregated funds has already half-decided they want the guarantee and half-suspects it's a sales gimmick. Neither instinct is wrong. A segregated fund is an insurance contract that invests your money in a pooled fund, the same way a mutual fund does, but wraps it in […]