10 questions about Segregated funds

10 questions about Segregated funds

Posted on by Matthew Laker

What is a segregated fund?

A segregated fund is an insurance product exclusively distributed by insurance companies. It is similar to a mutual fund but provides, among other features, protection against market downturns, by guaranteeing 75%

to 100% of the amounts invested at maturity or death. This guarantee, which is not available for mutual funds, represents a major advantage for some clients as it may limit the risks of loss

Who are segregated funds for?

Segregated funds are for people of all ages. They can be an ideal option for:

— People approaching retirement who want to protect their retirement savings

— People who want to simplify the transfer of their estate to their heirs

— Self-employed workers or business owners who want protection in case of bankruptcy or lawsuits

— Anyone looking for financial peace of mind

Click here to read the answers to 8 more questions about Segregated Funds.

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(*information comes from Industrial Alliance material)

4 Reasons to use Segregated Funds

Posted on by Matthew Laker

4 Reasons to use Segregated Funds

Segregated funds can be an essential part of a person’s investment and financial planning. Before finding an investment path, you first should have a financial plan that understands your needs, wants, where you are at and where you like to go.

Here are four reasons you may want to use segregated funds.

1. Capital protection

On maturity or death, protection allows beneficiaries to recover 75% to 100% of the amounts invested if the market value of the funds is lower.

2. Resets

Segregated funds that are known as 75/100 or 100/100 offer the possibility of locking in gains every year in order to protect investment funds during market fluctuations.

3. Creditor Protection

This can be an advantage for small business owners and professionals who want to limit their risk of loss in case of bankruptcy or lawsuits. There are certain conditions that apply.

4. Estate Value

Unlike mutual funds, the designation of a beneficiary in your segregated fund contract provides two advantages at death. One is prompt payment to beneficiaries with now waiting for the estate to settle. Two, since the money is paid at death is not part of the estate, therefore probate feeds are excluded, and more goes to heirs.

What questions do you have?

Estate planning – Help with your Estate planning

Posted on by Matthew Laker

“It does not do to leave a live dragon out of your calculations, if you live near one.” – J.R.R. Tolkien

Estate planning is about assessing the risk and ensuring that your wishes regarding your assets take place.

Help for Estate planning

Here is how I am uniquely positioned to deliver solutions in Estate planning.

Assets Value Protection

In the example below, notice from 2007 to 2009 the difference in the market. 

Estate planning

The market goes up and down. That is normal. The death benefit means that your beneficiary has the potential of getting a higher value. 

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Cost

Many of us do not think through the cost of death, but it is a reality that our families will face. By making a plan, we can work together to bring down those costs and lower the taxes paid by your estate or family. 

Control

If you have no plan, the government will decide what happens to the things you worked hard for. This is about taking control and stewarding the resources you have. 

“If you don’t know where you are going, you’ll end up someplace else.” – Yogi Berra

Creditor Proofing

This works to protect your assets from creditors in case something should happen later in life.

I can help you create a plan to leave a legacy for your family. 

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Estate planning for the real life