Service
Savings & Investments via Segregated Funds
Build long-term wealth with segregated funds — combining growth potential, creditor protection, and guaranteed death benefit and maturity guarantees where eligible.
Invest With Confidence — and a Built-In Safety Net
Segregated funds are insurance-based investment contracts that combine the growth potential of market-linked funds with guarantees that help protect a portion of your money. They offer features traditional mutual funds do not — including potential creditor protection and the ability to name a beneficiary.
At Ramsay Financial, we help individuals, families, and business owners explore whether segregated funds fit within a broader savings and investment strategy — weighing guarantees, fees, and fund options against your goals and timeline.
- Segregated funds combine investment growth potential with insurance-backed guarantees where eligible.
- Potential creditor protection and beneficiary designation that bypass probate where applicable.
- Guaranteed death benefit and maturity features that help protect a portion of your principal.
- Ramsay Financial does not guarantee investment returns, performance, or eligibility for any segregated fund contract.
Why Segregated Funds
Growth Potential — With a Built-In Guarantee
Markets reward patience, but downturns can be unsettling. Segregated funds let you stay invested for growth while a contractual guarantee helps protect a portion of your principal at maturity or on death — subject to contract terms and where eligible.
For incorporated business owners and professionals, the potential creditor-protection and beneficiary features can be an important part of an overall savings and investment plan. We help you weigh the guarantees, fees, and trade-offs against your goals.
Strategic Areas
Core Features of Segregated Funds Core Pillars of Legacy Strategy
Practical mechanisms designed to protect assets and simplify succession for heirs.
Growth With a Floor
Segregated funds link your money to diversified investment funds while offering maturity and death benefit guarantees that may protect a portion of your capital in down markets.
Creditor Protection
Where applicable, naming a beneficiary may help shield funds from creditors — a meaningful feature for business owners and incorporated professionals.
Probate Bypass & Beneficiaries
Beneficiary designations can allow proceeds to flow directly to loved ones, potentially avoiding probate fees and keeping your affairs private where allowed.
Reset & Lock-In Flexibility
Many contracts offer reset opportunities to lock in investment gains and refresh guarantees over time, helping you capture growth while protecting downside.
Step-by-Step
Our Savings & Investment Process
Understand Your Goals
We review your savings horizon, income needs, and risk comfort to understand whether segregated funds align with your objectives.
Explore Contract Options
Compare segregated fund contracts across reputable Canadian insurers — including guarantee levels, reset features, and fund options.
Design Beneficiaries & Ownership
Structure ownership and beneficiary designations to support creditor-protection and probate-bypass goals where applicable.
Ongoing Review
Markets move and life changes. We schedule periodic reviews to keep your allocations and guarantees aligned with your plans.
Ready to Start Planning?
Connect with Ramsay Financial to discuss your goals and explore solutions that may fit your needs.