{"id":1571,"date":"2024-10-09T22:08:32","date_gmt":"2024-10-09T22:08:32","guid":{"rendered":"https:\/\/elitewmg.com\/segregated-funds\/"},"modified":"2025-01-03T22:51:08","modified_gmt":"2025-01-03T22:51:08","slug":"segregated-funds","status":"publish","type":"page","link":"https:\/\/elitewmg.com\/zh\/services\/segregated-funds\/","title":{"rendered":"Segregated Funds"},"content":{"rendered":"
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Segregated Funds<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is a Segregated Fund?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Segregated Fund is an investment vehicle that offers investment growth and life insurance benefits. A large pool of money is invested in stocks, bonds, real estate, or other securities with the goal of growing the entire pool.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Why invest in a Segregated Fund?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Secured Deposit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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At maturity, up to 75% of your deposit is insured.<\/p>

At death, 100% of your deposits made before age 85 and 75% of deposits made at age 85 or over are insured.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Death Benefit Guarantee<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Segregated funds ensure that your money is insured even if the market value of the fund goes to zero; thereby providing financial security to the beneficiary regardless of the market\u2019s performance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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What are the features of a segregated fund?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Segregated funds are only available as investments within a segregated fund contract. They are insurance contracts and have higher fees due to the guarantees and benefits that are offered that mutual funds do not have. The following are examples of benefits that come with a segregated fund:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Avoid Wills Variation Act<\/h5>
\u25cb Assets held in segregated funds are not subject to the Wills\nVariation Act\n

\n\u25cb Proceeds go directly to the named beneficiary without being\ncontested or altered by the courts.<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Maturity Guarantee<\/h5>
\u25cb Investors are guaranteed to receive a minimum amount at the\nmaturity date of the fund, regardless of market fluctuations.\n

\n\u25cb The guarantee provides a level of security for the investor's\nprincipal investment, protecting investors from significant losses\nwhile allowing them to participate in potential market gains.<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Probate Fee Bypass<\/h5>
\u25cb Segregated funds avoid probate which are costly\n

\n\u25cb Save on probate fees\n

\n\u25cb Probate: the legal process of validating a will and distributing the\ndeceased\u2019s assets.<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Privacy<\/h5>
\u25cb Confidentiality of the investor\u2019s financial affairs upon their death\n

\n\u25cb Proceeds are paid directly to the named beneficiary and do not go\nthrough the public probate process\n

\n\u25cb Details of the investment and distribution remain private and will\nnot be on public record<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Quick Proceeds Disbursement at Death<\/h5>
\u25cb Death benefit is paid out quickly to the named beneficiary upon\nthe investor\u2019s death\n

\n\u25cb Beneficiaries receive the funds faster<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Non-registered Successor Annuitant<\/h5>
\u25cb The successor annuitant can continue the investment without\ninterruption\n

\n\u25cb Transition does not trigger an immediate taxable event<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Estate Fee Reduction<\/h5>
\u25cb Reduction in fees associated with settling an estate through\nsegregated funds\n

\n\u25cb Preserves more of the estate\u2019s value for the beneficiaries<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Potential Creditor Protection<\/h5>
\u25cb Assets held within the funds may be shielded from claims by\ncreditors in the vent of bankruptcy or legal action against the\ninvestor<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Death Benefit Guarantee<\/h5>
\u25cb Beneficiary is guaranteed to receive a minimum amount upon\nthe death of the investor, regardless of the fund\u2019s market\nperformance<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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Segregated Funds What is a Segregated Fund? Segregated Fund is an investment vehicle that offers investment growth and life insurance benefits. A large pool of money is invested in stocks, bonds, real estate, or other securities with the goal of growing the entire pool. Why invest in a Segregated Fund? Secured Deposit At maturity, up […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":235,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"iawp_total_views":170,"footnotes":""},"class_list":["post-1571","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/1571","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/comments?post=1571"}],"version-history":[{"count":0,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/1571\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/235"}],"wp:attachment":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/media?parent=1571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}