Protect your investments with Guaranteed Investment Funds (GIF)
We insure and protect what is most valuable to us, such as our lives, our home, and our vehicles. Wouldn't you also want protect your valuable retirement investment portfolio? Of course!
Guaranteed Investment Funds (GIF), also known as segregated funds, allow you to benefit from the growth potential of mutual funds and the protective features of insurance.
These protective features are only available through an insurance company.
Protection
Maturity Guarantee
Invest with peace of mind knowing that 75% or 100% of your initial deposit will be returned at the maturity date in the event of a market downturn.
Locking-in Gains
Lock in gains through "resets" resulting in higher maturity and death benefit guarantees.
Death Benefit Guarantee
Beneficiaries are guaranteed at least 100% of your principal investment. Locking in gains through resets provides the ability to increase your death benefit guarantee.
Creditor Protection
In certain circumstances, the assets held inside GIFs may be protected from creditors.
Small business owners, entrepreneurs, professionals and other investors may shield their assets from creditors, preserving their savings for themselves and their families.
Estate Planning Benefits
In the event of death, the investment proceeds pass quickly and directly to your beneficiary without the delays and cost of probate.
Growth
Outstanding Selection of Funds
Funds from the worlds most respected asset management firms allows for a fully diversified guaranteed portfolio, including diversification by asset class, geographic region and investment style.
Switches
Ability to switch between funds and fund managers, free of charge. The flexibility to move money as needed, when needed.
Lower MERs
Lower Management Expense Ratios (mutual fund built in fees) means more money in your portfolio to grow.
Opportunity for 100% Equity Leveraging
The security of GIF allows you to borrow 100% equity to invest in the market. Participating banks require no collateral or additional security, make no margin calls, and offer loans as low as prime!
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RRSP Eligible!
Simply transfer your existing RRSP into a GIF RRSP, tax-free. Let us show you how.
Disclosure: The contents of this page is for information purpose only and does not form part of any contract. For further details, consult information folders available from their respective companies.
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Victor Camba
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