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Simply put, a segregated fund combines the growth potential of a mutual fund with the security of a life insurance policy.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

One way to relax a little more on vacation is to know that you and your family will be looked after in case anything goes wrong.

And remember, all medical costs aren't covered by your home province when traveling in other parts of Canada or worldwide.

A segregated fund is required to have a minimum 75% maturity guarantee and the investor will get whichever amount is higher—market value of the investment at maturity or the guaranteed amount at maturity.

A death benefit guarantee offers protection to the investor in the event of an investment loss during their lifetime and is also set at a minimum of 75% but can be as high as 100%. Segregated funds are essentially two separate purchase – first you purchase a mutual fund and then you purchase the insurance to protect it.

Generally, the cost for the insurance coverage is about 1.0% above what you’d paid for a mutual fund.

BMO Mutual Funds are offered by BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal.

The investor doesn’t own the assets held by the investment fund, instead their investment is evidenced in the form of an insurance contract.

Unlike mutual funds, segregated funds offer a maturity guarantee, a guaranteed death benefit, and protection from creditors. This guarantee provides the investor with the opportunity to reset the base amount of the guarantee from the original amount of the investment to the investment’s current market value.

What are the maturity guarantees and death benefits of segregated funds?

A maturity guarantee protects the investment capital until the end of a specified period of time.


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