... if you are not guaranteed to get back at least most of your money ...
then why would you make an investment?

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?

WHY PUTTING MONEY INTO INVESTMENT FUNDS
WITHOUT A GUARANTEE IS RISKY

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 10 years. This is not the case with mutual funds, which also lack other basic protections as:

	Mutual Funds	Segregated Funds
Maturity Guarantee	No	Yes
Stock Market Guarantee	No	Yes
Death Benefit	No	Yes
Creditor Protection	No	Possibly
Probate Exception	No	Yes

Segregated funds number about 6000 in Canada and range from risky to the very conservative. But apart from the funds you choose, you need to discuss the costs associated with with each particular segregated fund. A fund which has a fixed high costs must have a high return to make the investment worthwhile. This is something you must discuss with your advisor.

TESTIMONIAL "I would just like to take this moment thank you for the exceptional service you have provided me and my husband. You have proven to be efficient and always available to deal with issues or answer question. Thank you once again." V. & R. Davis - Ontario, Canada

Ivon T. Hughes

My name is Ivon T. Hughes and for the past 30 years I have been helping people just like you to choose segregated funds which meet your objectives.

 

Please complete the fields below and we'll contact you within 48 hours. Investment Type Choose Registered Non Registered Investment Amount Investment Objective % Safety % Income % Growth Investment Time Frame Choose Short Term (less than 2 yrs) Mid-Term (2-5 yrs) Mid to Long (6-10 yrs) Long Term (10 yrs and over) Risk Tolerance Choose Low Medium Medium High High Investment Knowledge Choose None Limited Average Sophisticated Date of Birth dd 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 mm Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec yyyy 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 Gender Male Female   Full Name City Province Email Telephone Contact Day Evening

Not certain of your investment profile? When you send us this form, we'll send you Investment Profile guidelines from different companies to help you decide exactly what segregated funds you should be looking at. Each profile asks different questions so you can really get a handle on what you want to invest in.

TESTIMONIAL "For the past two years Mr. Ivon Hughes has provided me with outstanding service and counsel in helping to identify and obtain the appropriate type and amount of life insurance to suit my financial needs and family circumstances. His professional, courteous demeanor, and breadth of insurance knowledge has made him a pleasure to deal with. I commend him to you for your insurance requirements." T. Finkel - Ontario, Canada

And don't forget to download and read any of our segregated fund brochures to get different points of view.

Receive A Free SEGREGATED FUND BROCHURE We will never EVER share your email; EVER.