Segregated Funds That Makes Sense
- Maturity guarantees
- Death benefit guarantees.
- The ability to bypass probate.
- Potential creditor protection for non-registered accounts.
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What is a segregated fund?
Segregated funds, like mutual funds, are market-based investments. A large pool of money belonging to many people is invested in stocks, bonds or other securities with the goal of increasing the value of the entire pool. However, because segregated fund contracts are insurance contracts, they have special benefits that mutual funds do not.
- Segregated fund contracts guarantee 75% to 100% of your premiums (less withdrawals) when the contract matures, or on your death. Some segregated fund contracts also offer income guarantees.
- Money invested in segregated funds contracts may also be protected against seizure by creditors. This can be a big advantage for business owners and professionals wanting to protect against an unexpected lawsuit or bankruptcy.
- Segregated fund contracts purchased with non-registered money let you name beneficiaries, so the death benefit bypasses your estate and goes directly to them. You can also control how they get the benefit: as a lump sum or in the form of a payout annuity.
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Segregated Funds vs. Mutual Funds Similarities:
- Pooling of assets of many individual Investors
- Generally redeemable when you request
- Investment Returns based on the investments in the fund
- Both invest in fairly similar types of Securities
- Flow through Income to Investors
Segregated Funds have the following unique Characteristics:
- Maturity Guarantee
- Death Benefit Guarantee
- Reset Option (Market Gains can be locked in & Guaranteed)
- Creditor Protection
- Exemption or exclusion from probate when naming a beneficiary
- Privacy
- Lifetime Income guarantees & Income Credits/Bonuses
- Taxation Benefits
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The Citadel Financial Wealth Group Social Awareness Program
Citadel Financial Wealth Group believes in supporting our community and the people that need our support. That is why once your policy closes, we will donate to a charity or foundation on behalf of your choice!
If you do not have a charity or foundation you would like to donate to you can choose any one of the foundations we support!
We also plant a tree in your name or any name you choose to give us as we have a unique partnership with FORESTFARMER that allows us to help in keeping our air fresh for a long time to come.
When your policy closes, Citadel Financial Wealth Group gives back to the community, so let’s make a difference together!
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