reset feature
A significant advantage when markets ARE RISING
A significant advantage when markets ARE RISING
Locking-in of accumulated values
Discretionary reset: You can request up to 4 resets per year A reset by the company automatically kicks in when the market value of your investments is greater than the current guaranteed value
Guarantee at maturity
To protect your investments from possible downturns in financial markets, our segregated funds offer a guarantee at maturity. On the chosen maturity date, we guarantee the higher of the following amounts: The market value of your investments; 100%* of the deposits made up to 15 years prior to the maturity date, plus 75% of the deposits made in the final 15 years. * 75% for deposits made at or after age 72
Protection for when markets ARE FALLING
A cushion that can be used when financial markets are falling Protection guaranteed to shelter your savings from stock market blips Added security to increase your savings in a tax-sheltered retirement vehicle
- Segregated funds are held separately from the company’s assets. That means that your money is protected – even if the company runs into financial difficulty.
- You have access to high-profile portfolio management teams who are professional money managers with the experience and skills necessary to effectively manage your money.
- Segregated funds offer you diversified investment portfolios. This lowers a portfolio’s overall risk while enhancing returns over time.
- Enjoy creditor protection by naming an appropriate beneficiary
- To protect your investments during market downturns
- To provide capital security as you approach retirement