Search RBC Personal Insurance Canada(EN) Contact Us Sign In MENU Life Segregated Funds vs Mutual Funds When considering retirement investment solutions, Canadians want growth, but they also want security. It's a surprise to many to learn that segregated funds—often overlooked—actually offer both. You want to grow and protect your hard earned savings by investing in a diversified fund line-up, you want easy access to your money, and you want to benefit from your money being professionally managed. We’ll help you get there with this informative comparison chart on some investment options. At first glance, segregated funds resemble their mutual fund counterparts. Both contain a diversified portfolio of investments and offer professional money management, with easy access to your assets. But segregated funds have some unique features that can complement a diverse investment portfolio: Principal Protection Maturity guarantees1 Death benefit guarantees1 Estate Planning Benefits The ability to bypass probate2 Resets Lock in gains on your investment. Potential Creditor Protection Your segregated fund assets may be protected from creditors in the event of a bankruptcy, which is especially important if you are a business owner or self employed.3 At-a-Glance Segregated Funds vs. Mutual Funds For those seeking growth potential with protection from market volatility, segregated funds are worth a look. To jump-start your research, below is a complete breakdown of both investment options. Insurance can be hard to understand. We’ll help you get it. Contact an RBC Insurance Advisor to learn more. Sources: 1) Withdrawals reduce guarantees proportionately. Guarantees end at age 100. 2) Probate fees and requirements vary by province. 3) You should consult your legal and financial advisor about your individual circumstances. 4) Segregated fund fees are higher than mutual funds, as they include a management fee and an insurance fee component. 5) Non-registered accounts with joint ownership and right of survivorship only (all provinces except Quebec). Registered accounts can bypass probate when a beneficiary is named. Disclaimer By Shannon Lattin November 22, 2021 Share Topics Personal Finance Most Recent Planning for retirement with Spousal RRSPs View More What are Segregated Funds, and How Can They Complement an RRSP Portfolio? View More Segregated Funds vs Mutual Funds View More Read This Next What are Segregated Funds, and How Can they Complement an RRSP Portfolio? November 22, 2021 View More Planning for retirement with Spousal RRSPs November 22, 2021 View More RBC Health Insurance helps protect your paycheque until you can get back to work October 12, 2021 View More Nine Ways to Save on Home Insurance June 2, 2021 View More RBC Insurance Services Inc. Website, © 1995-2021 Privacy & Security | Legal | Accessibility | Underwriters Top