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, […]
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 […]