COMPARISON OF 3 POPULAR
SAVINGS VEHICLES

SEGREGATED FUNDS

 GIC's

 MUTUAL FUNDS

These can be volatile, but your principal is guaranteed. This is a guaranteed interest producing investment.  These are volatile and you do not know how much your investment will be worth in the future.
These are passively managed - low risk, and they tend to provide higher rates of return. These have very low risk and typically pay lower rates of return.  These are actively managed and can have higher risk, but also tend to pay higher rates of return.

Under the Unified Insurance Act, with a named beneficiary the proceeds of this fund are creditor - proof, and probate fees are avoided.

This type of investment can be an important part of your overall financial & retirement planning strategy.