What is a segregated fund?

Segregated funds, like mutual funds, are market-based investments. A large pool of money belonging to many people is invested in stocks, bonds or other securities with the goal of increasing the value of the entire pool.  However, because segregated fund contracts are insurance contracts, they have special benefits that mutual funds do not.

  • Segregated fund contracts guarantee 75% to 100% of your premiums (less withdrawals) when the contract matures, or on your death. Some segregated fund contracts also offer income guarantees.
  • Money invested in segregated funds contracts may also be protected against seizure by creditors. This can be a big advantage for business owners and professionals wanting to protect against an unexpected lawsuit or bankruptcy. Consult your tax and legal advisors for details.
  • Segregated fund contracts purchased with non-registered money let you name beneficiaries, so the death benefit bypasses your estate and goes directly to them. You can also control how they get the benefit: as a lump sum or in the form of a payout annuity.

Types of segregated fund contracts:

Sun GIF Solutions

  • Sun GIF Solutions is designed to grow with you through different life stages.
  • There are 3 different series to meet your evolving financial needs: Investment, Income and Estate Series.
  • You have the flexibility to move among the 3 series.

Sun Lifetime Advantage GIF

  • Sun Lifetime Advantage GIF provides a minimum guaranteed lifetime income that can increase every year before you start taking income.
  • When you're getting ready to retire, this product offers certainty about the lifetime guaranteed income you'll receive, and the choice of when to start taking it.

Sun Protect GIF

  • Sun Protect GIF gives you the opportunity for savings growth while protecting your capital and letting you capture market gains.
  • You can also protect and grow your legacy for your beneficiaries.

Private Client and Sun Life GIFs

For affluent investors, Sun Life GIFs offer protection, growth, flexibility and control – plus all the advantages of Sun Life Global Investments Private Client.

Learn more about Sun Life Global Investment’s Private Client

Invest in segregated funds

Step 1: Find an advisor

An advisor’s job is to help you understand how different products – each with their own features and options – can best meet your individual needs. Talk to your advisor; if you don't have an advisor, find one you're comfortable working with. There’s no cost to talk to an advisor.

Step 2: Meet with your advisor

To get the most out of the meeting with your advisor, take some time beforehand to think carefully about what you want to achieve. To help your advisor recommend the right products for your needs, it will be helpful if you gather some basic information about your income, assets and liabilities – including your savings, investment and pension plan statements.

Step 3: Make your investment

Your advisor will help you with investment decisions, any paperwork that’s required and ensure your money is transferred. Shortly after making your investment, you will receive a transaction confirmation with the details of your contract. Portfolio reviews may be done regularly to confirm your strategy and assess progress toward your goals.