Navigation Menu Sign in Segregated funds 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. Tools & Resources What is asset allocation? (Video) 4 reasons I don’t buy stocks Are seg funds right for you? Support Questions Check a balance Related products Guaranteed interest products Mutual funds Annuity products 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. Learn more about Sun GIF Solutions 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. Learn more about Sun Lifetime Advantage GIF 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. Find an advisor How advisors help Tips on finding the right 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. Quick links Sign in / Register Submit or track a claim Find a form 欢迎访问永明金融网页 Plan sponsors & advisors Advisor site SLFD Advisor hub Plan advisor site Plan sponsor site About us Who we are Newsroom Sustainability Donations and sponsorships Careers Become an employee Become an advisor Student and new graduate programs Contact us Contact us Support Talk to an advisor Life’s brighter under the sun Legal Privacy Security Accessibility We acknowledge that Sun Life operates in many Territories and Treaties across Canada. Our Canadian headquarters in Waterloo are on the traditional territory of the Anishnaabeg, Haudenosaunee Confederacy and the Mississaugas of the Credit First Nations. Today, Canada is still the home to many Indigenous, First Nations, Inuit, and Metis peoples from all across Turtle Island. We are grateful to have the opportunity to work in this territory. We offer this acknowledgment as a stepping stone towards honouring the original occupants, as a testimony to the oppression faced by Indigenous peoples, and our commitment to Indigenous communities and employees of Sun Life. © Sun Life Assurance Company of Canada. All rights reserved. SLF