Retirement Investment Solutions

Retirement Investment solutions
Continue Caring For Your Family

After Retirement

Segregated Funds

Segregated funds give your money the chance to grow, while providing built-in guarantees to keep it safe.

Key Benefits of Segregated Funds

Guarantee Your Original Investment

The death benefit guarantee ensures a specific percentage of the value of your investment will be passed on to your beneficiaries.

Lock-in The Market Gains

When markets go up, some segregated funds let you “reset” the guaranteed value of your investment.

Protect Your Money from Creditors

If you own a business, talk to your financial or legal advisor to see how segregated funds could protect your money.

Want to protect, grow and preserve your money? Segregated funds come with their own set of unique features.

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responses to questions

FAQ!

I don't have a lot to invest. Are segregated funds for me?

You can start investing in an RBC Guaranteed Investment Fund (GIF) for as little as $50 per month when you set up a pre-authorized debit (PAD) plan.

What types of accounts can I hold RBC GIFs in?

You can hold RBC Guaranteed Investment Funds (GIFs) in a number of account types, including Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), non-registered plans, locked-in plans and Registered Retirement Income Funds (RRIFs).

How do resets work?

If a segregated fund has a “reset” option, you can reset the guaranteed value of your contract when the market value becomes higher than the original value (or “book value”) of your investment. This reset function allows you to keep pace with market growth. Generally, when the reset feature is used, the maturity date will also be reset.

I don't qualify for life insurance. Can I hold a segregated fund?

Yes. Segregated funds are actually ideal investment solutions for individuals who don’t qualify for life insurance. That’s because they offer death benefit guarantees that ensure your beneficiaries will receive a guaranteed percentage of your original investment (less any withdrawals and fees) upon your death. There is no medical checkup or underwriting required.

Can I access my money before the maturity date?

Yes, you can withdraw from a segregated fund before the maturity date, however your guarantees will be affected. They will be proportionately reduced by any withdrawals or fees applicable to the withdrawal.

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Payout Annuities

Payout Annuities can give you guaranteed income for life.

Key Benefits of Payout Annuities

Provide Security to Loved Ones

You have the option to continue your payments to your spouse or beneficiary if you pass away during a certain time period.

Guarantee Your Retirement Income

Depending on the Payout Annuity you choose, you can receive guaranteed income for life (for both you and your spouse)

Minimize The Taxes You Pay

When purchased with non-registered funds, the interest portion of payment is spread out evenlyn, this saves on taxes.

You’ve worked hard and saved hard so you can have a comfortable retirement. Choose RBC® Payout Annuities for the financial security you need.

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responses to questions

FAQ!

Single Life Annuity – Guaranteed income for the life of one person

A single life annuity offers guaranteed income for the life of one person, regardless of what’s going on with markets or interest rates.
It’s the right choice if you are:
• Worried a market slump might cut into your savings
• Thinking you will outlive your income

Joint Life Annuity – Guaranteed income for the lives of two people

A joint life annuity offers guaranteed income for the lives of two people. When the first person passes away, payments continue for the life of the surviving person.
It’s the right choice if you are:
• Wondering how to provide for both yourself and your spouse

Term Certain Annuity – Guaranteed income for a set period of time

A term certain annuity offers guaranteed income for a set period of time, or until you reach a certain age.
It’s the right choice if you are:
• Planning to retire early and need income until your pension kicks in

Minimum Payment Guarantee Period

If you (or you and your spouse) pass away before the end of the guarantee period, remaining payments will be paid to your beneficiary—either through regular payments or as a lump sum. Our guarantee periods range from 1 to 25 years. This may be the right choice if you are concerned about passing away after receiving just a few payments.

Return of Premium Guarantee

If you (or you and your spouse) pass away before the end of the guarantee period, remaining payments will be paid to your beneficiary—either through regular payments or as a lump sum. Our guarantee periods range from 1 to 25 years. This may be the right choice if you are concerned about passing away after receiving just a few payments.

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416-262-9811

Copyright ©2020 Mark Freedman Insurance. All rights reserved. Our company as an insurance brokerage licensed to sell life insurance products in CANADA. Not available in other provinces. Policy obligations are the sole responsibility of the issuing insurance company. Insuance of coverage is subject to underwriting by the respective insurance company.

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