Segregated funds and mutual funds: what the insurance guarantee costs
Both can hold investments that rise and fall. A fair comparison follows the underlying assets, the insurance guarantees, the fees and the date you may need to withdraw.
A segregated fund guarantee has a date, a percentage and a calculation
A 75% or 100% guarantee applies under specific conditions. Withdrawals, resets and the annuitant’s death can each change how much is payable and when.