When you buy a house or a piece of land, an antique or a stock, don't you, at the very least, expect to get a major part of your money back when you sell?
If you put money into a segregated fund, you are guaranteed, depending on age, at least 75% of your money to be returned at maturity. Or 100% at least, if you die within 15 years. This is not the case with mutual funds, which also lack other basic protections as:
|Mutual Funds||Segregated Funds|
|Stock Market Guarantee||NO||YES|
|Segregated Funds||5-Star Rating|
|Canadian Equity Balanced|
|Canadian Fixed Income|
|Canadian Money Market|
Segregated funds in Canada range from risky to the very conservative. But apart from the funds you choose, you need to discuss the costs associated with each particular segregated fund. A fund which has fixed high costs must have a high return to make the investment worthwhile. This is something you must discuss with your advisor.