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Canadian Mutual Funds
Mutual funds are investment vehicles which consist of a pool of funds which is composed from the investments of several investors. This collective capital is invested in financial securities like bonds, stocks, money market instruments and other comparable investment prospects.
The operations of the mutual funds are managed by financial managers; these managers invest the funds and make efforts with the intention to earn capital gains, dividends and interest income and forward them to the investors. The portfolio of every mutual fund is structured and upheld according to the objectives of the institution and what is detailed in the mutual funds prospectus offering the mutual funds.
Well, the reality is, in our opinion, there are no “best” or “top” Canadian Mutual Funds.
Any investor interested in mutual funds should completely understand the fact that mutual funds are not guaranteed. The returns on mutual funds are not guaranteed, and even the principal amount invested isn’t guaranteed to be returned to the investor. Before investing in mutual funds, you should have the understanding of the financial market situation in Canada.
Alternatives for investors in Canada
Investors in Canada who are interested in investing in prospects which possess comparable features to mutual funds should definitely consider about investing in Guaranteed Investment Funds or Segregated Funds. These investments, unlike mutual funds, offer some guarantee to some extent to the investors. You should appropriately read the details and information provided to you when you invest in such prospects so that you would know the exact scope of guarantee offered to you. Different financial institutions offering Guaranteed Investment Funds or Segregated Funds have different policies.
If you are looking for safety and capital preservation, then visit Guaranteedinvestments.com
The financial advisors at Guaranteedinvestments.com do not offer mutual funds but instead specialize in products like Guaranteed Investment Funds, Segregated Funds, Annuities, Insured Annuities, Guaranteed Minimum Withdrawal Benefit Plans, Guaranteed Lifetime Withdrawal Benefits Plans and other types of Secure Investments.
Every investor in Canada wants to invest their capital funds in an investment product which is completely safe and secure. Segregated funds are one of the best substitutes available of mutual funds in Canada that provide potential for higher returns like mutual funds, but at the same time, the security of the investment offered by segregated funds is more than mutual funds.
Principally, Segregated Funds are insurance products which are widely known as Guaranteed Investment Funds (GIFs).
Guaranteedinvestments.com offers segregated funds for investors in Canada.
For more information visit our website: www.guaranteedinvestments.com
Prime Guarantees offered by Segregated Funds
Although segregated funds are considered to be more like mutual funds, however, the several benefits and advantages possessed by segregated funds are exclusive and unique. Segregated funds offer certain guarantees to investors. These guarantees are:
Maturity Guarantee
Upon reaching the maturity and redemption date, which is usually 10 years from the date of deposit, the investor receives a special top-up payment, if the market value is less than the guaranteed amount. The withdrawals made and the due fee charges are deducted from the top-up payment.Death Benefit Guarantee
In an unfortunate incident of the death of the investor, if the market value of the investment has been declined, the beneficiary of the investor, who would be named by the investor when making the investment, would receive the amount guaranteed. The withdrawal amount and the concerning fee would be deducted from the amount.
Segregated funds vs. mutual funds
Some of the significant differences between Segregated Funds and Mutual Funds are:
- Segregated funds always have the capacity to bypass probate and keep financial affairs private. Mutual funds on the other hand, offer such a facility occasionally.
- Segregated funds offer potential creditor protection for non-registered accounts. Mutual funds do not offer this benefit.
- Segregated funds present a guarantee of the principal or a specified percentage at maturity. Mutual funds do not offer this feature.
- Segregated funds offer a guarantee of the principal or a specified percentage at death. Mutual funds do not offer this benefit.
- Segregated funds comprise of lock in market gains using resets. Mutual funds do not possess such features.
The financial advisors at Guaranteedinvestments.com hold credentials and titles which include “Certified Financial Planner”, “Chartered Financial Analyst”, “Masters of Business Administration (MBA)” and “Certified Investment Manager”.
Investment products offered by Guaranteed Investments include but are not limited to: Guaranteed Investment Funds, Segregated Funds, Annuities and Insured Annuities, Guaranteed Withdrawal Benefit Plans and Guaranteed Lifetime Withdrawal Benefit Plans.
“The information and content on this website should not be viewed as financial advice nor should it be viewed as a solicitation for investment purposes. The information should be viewed as general information and does not replace the advice and recommendations of licensed and accredited advisors including financial planners, lawyers, trust advisors, accountants and other industry professionals. Investment product information is available in prospectuses and information statements and should be reviewed carefully before investing. Not all investments are guaranteed in value and unit values on certain investments will fluctuate.”
TS Wealth Inc.
1033 Bay Street, Suite 221
Toronto, Ontario,
Canada, M5S 3A5
