Access to your client information, secure messaging with Manulife, submit new business online, access compensation statements, view your recent transactions and top accounts. Segregated fund contracts let investors access the growth potential of the markets, prepare for retirement, and tap into estate planning benefits designed to facilitate quick, cost-effective, and private wealth transfer. Segregated funds are similar to mutual funds, but with a few key differences.
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Segregated funds offer an insurance guarantee and are only available from federally regulated Canadian insurance companies such as BMO Insurance. The guarantee ensures that the value of your investments will never be less than a specified percentage when your contract matures the maturity guarantee. The guarantee also ensures that your beneficiary will receive the greater of the market value of your investments or a guaranteed amount when you pass away the death guarantee.
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This allows investors to lock in greater sums if they incur a large capital gain. Guaranteed investment funds, as their name shows, guarantee that all or part of the invested capital will be secure for a specific date in the future. And in some cases, there is the possibility of almost guaranteed returns. A date in the future when all of the fund's shares are guaranteed to reach a specific net asset value guaranteed net asset value. Only those shareholders that leave their investment until the maturity date will be entitled to the guarantee. If a redemption is made before that date, then there could be great losses. An entity that commits to providing the funds required to ensure the investor keeps their initial investment if the guaranteed investment fund does not perform in a way that generates net asset value.