What are segregated funds?
Segregated funds are a type of investment vehicle that’s also an insurance product. Your money is invested across professionally managed investments while a portion of your principal is kept safe. Only insurance companies like Co-operators can offer segregated funds.
Benefits of segregated funds
Extra investment protection
When you invest in segregated funds, you’ll enjoy a level of financial security that’s unmatched by other investments. That’s because a portion of your principal contribution – your choice of 75% or 100% – is guaranteed at the investment’s maturity date or the date of your death, whichever comes first.*
Professionally managed
At Co-operators, our fund managers are experienced in navigating all market conditions. Using their extensive research capabilities and expertise in selecting investments, they work to optimize your portfolio, so you don’t have to.
Simple payouts
Like a life insurance policy, proceeds from your segregated funds are paid out directly to named beneficiaries, quickly and without hassle.
How segregated funds work
Learn how segregated funds compare to other investment vehicles and whether they’re right for you. Read “What are segregated funds?"
What we offer
Versatile Portfolios Navigator lets you invest in a variety of segregated funds (including four Responsible Investment Portfolios managed by NEI Investments), based on your risk tolerance and time horizon. And for as little as $50 per month.
You can choose from three guarantee levels, depending on your need for capital protection: 75% on maturity and death; 75% on maturity and 100% on death; or 100% on maturity and death. Death and maturity benefit resets on the 100%-guarantee level and will automatically lock in any investment growth at the new, higher level.
Rate options
- Variable Rate Options: Get interest credited daily to ensure that your investment plan keeps pace with current interest rates.
- Guaranteed Rate Options: Choose a fixed investment period (up to 5 years), where interest is guaranteed for the specified term and compounded annually.
Aviator Portfolios is a slightly higher-touch investment option, allowing you to diversify your portfolio, plan your retirement, leave a legacy, and protect your capital and your estate.
You can choose from two guarantee levels depending on your need for capital protection: 75% on maturity and death; or 75% on maturity and 100% on death. Death benefit resets on the 100%-guarantee level and will automatically lock in any investment growth at the new higher level.
Given the growth potential of equity markets, the security of capital protection, along with access to unique investment strategies, this comprehensive product is ideal for those with $100,000 or more to invest.
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