Guaranteed Investment Funds - Situational Financial Planning, Legal & ID Shield, Halifax, Nova Scotia, Canada

Go to content

Guaranteed Investment Funds

Guaranteed Investment Funds, (GIFs)

Guaranteed Investment Funds, (GIFs), also called segregated fund policies, are long-term investments that offer a range of guarantee options designed to fit any investor profile, including:

  • ‘Pre-retirees’ looking for higher potential returns while protecting their wealth.
  • Professionals and business owners in need of creditor protection and lower fees.
  • Retirees searching for higher potential returns without sacrificing capital preservation.
  • Older retirees focused on estate planning looking to preserve their wealth for the next generation.

Those benefits include:
  • Guarantees that can help protect your investments
  • Guaranteed death benefits
  • Potential creditor protection
  • The right to designate a beneficiary
  • Tax and estate planning advantages
  • An option that lets you reset your guarantee to a higher amount (for some contracts, see section 4)
  • Guaranteed income benefits (for GMWB contracts, see section 4)
In addition to these special contractual features, segregated fund contracts offer:
  • Diversification through a selection of growth, income and balanced funds
  • Flexibility to switch between funds offered within the same contract without fees
(for more information, see page 8)
  • Liquidity that allows you to promptly redeem all or part of your investment
(for more information, see page 8)
Source: Key Facts about Segregated Funds Contracts

Watch time 1 m 47 sec

Protect and Grow Nest Egg
Sample Strategies
increase tax efficiency
guarantee income
address volatility
increase after tax income
"lock in" gains
and more

Note: Key Facts about Segregated Funds Contracts is a Large file that is available for download (above) or you can view by clicking the image below.


Paul is a Certified Financial Planner (CFP) licensed by the Financial Planners Standards Council; Financial and Estate Plans are provided under that license.

The information contained in this website is intended to provide general guidelines only. The application and impact of the law can vary widely from case to case based on the specific or unique facts involved. Accordingly, the information in this article is not intended to serve as legal, accounting or tax advice. Users are encouraged to consult with their professional advisers for advice concerning specific matters before making a decision.

** Email Disclosure: For your convenience, you have the option of contacting by email. Please note that no email is 100% secure. Only provide us with your contact information and your question. Do not include sensitive information such as income, social insurance number.

J. Paul Wilson, CFP®, ChFC®
Certified Financial Planner
27 Blue Thistle Road Halifax, Nova Scotia, B3S 1M3
Office (902) 405-8665 Email
Privacy Policy
Back to content