That’s a great question. But unfortunately, there’s no one-size-fits-all answer. It really depends on your situation – your goals, your investment strategy, your comfort level with risk (known as a risk tolerance). If you need help figuring it out, book a chat with one of our advisors. They can help you review your goals, break down your options and design a personalized investment plan based on your needs.
Segregated Funds
Gulf and Fraser Insurance Services Ltd.
Invest for growth while enjoying the guaranteed security of an insured investment.
What are segregated funds?
A segregated fund is like a mutual fund with a safety net. Your money is combined with other investors’ funds in the same way. But your initial investment is partially or completely protected by a guarantee.
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How do segregated funds work?
You buy into a diverse pool of investments. Your returns will depend on how well that pool does. However, regardless of performance, you’re guaranteed to get back 75-100% of your initial investment upon fund maturity or death.
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Why invest in segregated funds ?
Professionally managed
No need to follow the markets. You’ll have professionals continually monitoring and managing your segregated funds for you.
Investment protection
Invest with peace of mind. Insurance guarantees up to 100% of your net initial investment, upon death or fund maturity.
Strong diversification
Segregated funds hold a range of stocks, bonds, and other investments, giving you a well-balanced and diversified portfolio.
Flexible options
We offer a wide range of segregated fund options to suit any goal, priority, or investment style.
Easier estate planning
With a segregated fund, you can easily pass your investments on to loved ones without probate or legal fees.
Tax savings
You can save on tax by holding your segregated funds in a registered plan, like a Tax Free Savings Account (TFSA).
Is a segregated fund right for me?
Segregated funds can be a valuable addition to your portfolio, particularly in certain situations:
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Security & growth – if you’re a more conservative investor but still want to benefit from strong growth potential.
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Retirement on the horizon – if you’re retiring soon and want added protection for your savings.
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Estate focused – if you’re looking to simplify the transfer of your assets to loved ones in the future.
Ready to invest?
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Try our investment calculators
Our handy calculators help you figure out which solutions make the most sense for your savings.
Your segregated fund questions answered
Are segregated funds a good investment for me?
Are segregated funds covered by CDIC?
No, unless specifically stated, segregated funds aren’t covered by CDIC (the Canada Deposit Insurance Corporation) or our deposit insurance provider, CUDIC (the Credit Union Deposit Insurance Corporation).
However, many of our deposit products do have 100% coverage. To learn more, take a look at our CUDIC page.
What’s the difference between segregated funds vs mutual funds?
Segregated funds are similar to mutual funds in that money is pooled to buy a variety of investments. But, unlike mutual funds, segregated funds guarantee most of your initial investment at maturity or if you pass away. Depending on the provider, the guarantee can vary from 75% to 100% of your net initial investment. Essentially, you can think of segregated funds as mutual funds with a safety net.
Should I choose segregated funds vs mutual funds?
Each investment type has its own advantages. Whether you choose segregated funds vs mutual funds will really depend on your investment goals and strategy.
If you need help figuring out the best option for you, book a chat with one of our advisors. They can help review your goals, break down your options and design a personalized investment plan based on your needs.
Other solutions you might want
Mutual funds
Whether you’re just starting out or already have a growing portfolio, enjoy access to a full array of affordable investments professionally managed for you.
Stocks & bonds
Take advantage of our wide range of stocks and bonds to build a powerful, diversified investment portfolio – guided by our advisors.
Insurance products are offered through Gulf and Fraser Insurance Services Ltd, a wholly-owned subsidiary of Beem Credit Union. Gulf and Fraser Insurance Services Ltd. is a licensed life insurance agency offering financial planning, life insurance and investments. All insurance products are subject to the limitations, terms and conditions in the applicable policy or insurance contract in force at the time of purchase or enrollment and applicable legislation. The products sold through Gulf and Fraser Insurance Services Ltd. are not guaranteed or insured by a deposit insurer. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. This website is for informational purposes only and is not intended to provide specific insurance, financial, investment, tax, or other advice to you, and should not be acted or relied upon in that regard. We encourage you to seek personalized advice from a qualified professional. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.
At Gulf & Fraser, we're here to power your possible
GFCU Savings contact
The GFCU Savings call centre hours are open from 7:00am-7:00pm Monday to Friday and 8:00am-4:00pm on Saturday.
Local: 1-250-442-5511
Toll-free: 1-866-442-5511
Email: info@gfcu.com
©2024 Gulf & Fraser. All rights reserved. Gulf & Fraser and GFCU Savings are trade names of Beem Credit Union.
