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.
Individual pension plans: a retirement promise with a funding obligation
An IPP is an employer pension arrangement, not a universal extra RRSP allowance. Salary, service, actuarial work and the company’s ability to fund the plan shape the comparison.
What Are Segregated Funds in Canada (2026): The Insurance Wrapper Most Investors Have Never Heard Of
Educational content. Examples are hypothetical. Almost everyone who asks about segregated funds has already half-decided they want the guarantee and half-suspects it's a sales gimmick. Neither instinct is wrong. A segregated fund is an insurance contract that invests your money in a pooled fund, the same way a mutual fund does, but wraps it in […]