Segregated Funds vs. Mutual Funds in Canada (2026): Why the Guarantee Is the Real Difference
Almost everyone who comes to me about segregated funds leads with the same word. Guarantee. They have heard the product protects their money, and in a market that can fall twenty percent in a month, protection sounds like exactly what they want. The problem is that the guarantee rarely works the way people picture it, […]
Final Expense Insurance in Canada: What It Actually Is, and Who’s Overpaying for It
Every few months a client in their late sixties or seventies asks me about "that funeral insurance you see on TV," usually after a call centre offered them guaranteed acceptance with no medical questions. Final expense insurance is a small, permanent whole life policy, typically $5,000 to $25,000 of coverage, sold specifically to cover funeral […]
What Are Segregated Funds in Canada (2026): The Insurance Wrapper Most Investors Have Never Heard Of
Almost every client who asks me 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 a promise: at […]