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Tag: retirement planning

What Are Segregated Funds in Canada (2026): The Insurance Wrapper Most Investors Have Never Heard Of

Canadian adult near retirement reviewing investment papers at home, illustrating segregated funds in Canada

Educational content. Examples are hypothetical. Almost everyone who asks about segregated funds has already half-decided they want the guarantee and half-suspects it's a sales gimmick. Neither instinct is wrong. A segregated fund is an insurance contract that invests your money in a pooled fund, the same way a mutual fund does, but wraps it in […]

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Brenda Nkwocha and Hilda Chukwu are individual licensed life insurance advisors in Ontario. We are currently licensed in Ontario only. The Gap Assessment estimates your gap as a range using your answers and general Canadian benchmarks. It is educational only, and it is not a quote, an offer or a recommendation. If you choose to apply for coverage, starting an application does not guarantee approval, and the insurer makes the final decision. We collect and use your personal information only with your consent, in line with Canadian privacy law (PIPEDA).