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Benefits of Segregated Funds
Want to protect, grow and preserve your money? Segregated funds come with their own set of unique features.
Segregated funds offer two important guarantees:
- The maturity guarantee protects a percentage of the value of your investment at the end of your investment term–guaranteed.
- The death benefit guarantee ensures a specific percentage of the value of your investment will be passed on to your beneficiaries if you were to pass away.1
When markets go up, some segregated funds let you “reset” the guaranteed value of your investment.
You can reset the guaranteed value of your contract when the market value exceeds the original value of your investment, allowing you to lock in market growth. Generally, when you use a reset, your maturity date is also reset. RBC GIF Series 2 offers a reset option.
If you think you might want to pass along your assets to your loved ones, segregated funds offer a great solution.
Segregated funds help you preserve your money by:
- Guaranteeing that your beneficiaries receive a certain percentage of your investments
- Allowing your proceeds to pass directly to your beneficiaries without going through probate2 (the process by which a court formally approves a Will). This means:
- Your loved ones receive the money faster
- Your estate remains private
- More money is passed along
Because segregated funds are an insurance product, they may be protected from creditor claims due to bankruptcy. This is a key feature if you’re a business owner. If you own a business, talk to your financial or legal advisor to see how segregated funds could protect your money.
Your One-Stop Shop for Segregated Funds
Reach Your Financial Goals with an RBC GIF Series
Three RBC GIF Series to Meet Your Needs
Invest Series
Higher opportunity for growth combined with lower fees.
Perfect if you want to grow your money and don’t need maximum guarantees.
Highlights:
The Right Choice If You:
- Are looking for long-term growth and flexibility from your investments
- Are saving for retirement or another future goal
- Want to protect your money but don’t need maximum guarantees
- Want to diversify your investments
- Are interested in creditor protection
Learn more about investments in Invest Series below
Investments Available for the Series
- RBC Vision Balanced GIFOpens in new window
- RBC Balanced GIFOpens in new window
- RBC Conservative Growth & Income GIFOpens in new window
- RBC Balanced Growth & Income GIFOpens in new window
- RBC Global Growth & Income GIFOpens in new window
- RBC PH&N Monthly Income GIFOpens in new window
- RBC Global Balanced GIFOpens in new window
RBC Guaranteed Investment Portfolios
RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you. All of our GIPs are available within our Invest Series, Series 1 and Series 2.
Note: the fund links below will take you to individual fund performance and other fund-specific information.
Highlights
Growth & income potential: Moderate
Investment risk: Low to medium
Invests primarily in: Canadian fixed income securities
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Moderate
Investment risk: Low
Invests primarily in: Global fixed income securities
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Global fixed income funds, U.S., International and Emerging Markets funds
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth
Investment risk: Medium
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth
Investment risk: Low to medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium to high
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest SeriesOpens in new window | Series 1Opens in new window | Series 2Opens in new windowHighlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest SeriesOpens in new window | Series 1Opens in new window | Series 2Opens in new window*The portfolio target allocations are subject to change without notice.
Series 1
Protect your money with extra guarantees.
A great choice if you’re not much for risk and/or you’re planning your estate.
Highlights:
The Right Choice If You:
- Want to reduce risk and protect your money against dips in the market
- Are saving for retirement or another future goal
- Want to pass on as much as possible to your loved ones
- Want to diversify your investments
- Are interested in creditor protection
Learn more about investments in Series 1 below
Investments Available for the Series
- RBC Vision Balanced GIFOpens in new window
- RBC Balanced GIFOpens in new window
- RBC Conservative Growth & Income GIFOpens in new window
- RBC Balanced Growth & Income GIFOpens in new window
- RBC Global Growth & Income GIFOpens in new window
- RBC PH&N Monthly Income GIFOpens in new window
- RBC Global Balanced GIFOpens in new window
RBC Guaranteed Investment Portfolios
RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you. All of our GIPs are available within our Invest Series, Series 1 and Series 2.
Note: the fund links below will take you to individual fund performance and other fund-specific information.
Highlights
Growth & income potential: Moderate
Investment risk: Low to medium
Invests primarily in: Canadian fixed income securities
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Moderate
Investment risk: Low
Invests primarily in: Global fixed income securities
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Global fixed income funds, U.S., International and Emerging Markets funds
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth
Investment risk: Medium
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth
Investment risk: Low to medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium to high
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new window*The portfolio target allocations are subject to change without notice.
Series 2
The highest level of protection with the option to lock in your money if the fund value goes up.
Ideal if you want growth without the risk.
Highlights:
- Maturity guarantee1: 75% of your deposit or the market value2, whichever is higher after 10 years
- Death benefit guarantee1: 100% of your deposit before age 80 (80% after age 80) or the market value2, whichever is higher
- Option to every year until age 90
- Choice of 12 individual funds and 8 portfolio solutions
The Right Choice If You:
- Want to lock in investment growth when markets go up
- Prefer to reduce risk and protect your money against dips in the market
- Want to pass on as much as possible to your loved ones
- Are saving for retirement or another future goal
- Are interested in creditor protection
Learn more about investments in Series 2 below
Investments Available for the Series
- RBC Vision Balanced GIFOpens in new window
- RBC Balanced GIFOpens in new window
- RBC Conservative Growth & Income GIFOpens in new window
- RBC Balanced Growth & Income GIFOpens in new window
- RBC Global Growth & Income GIFOpens in new window
- RBC PH&N Monthly Income GIFOpens in new window
- RBC Global Balanced GIFOpens in new window
RBC Guaranteed Investment Portfolios
RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you. All of our GIPs are available within our Invest Series, Series 1 and Series 2.
Note: the fund links below will take you to individual fund performance and other fund-specific information.
Highlights
Growth & income potential: Moderate
Investment risk: Low to medium
Invests primarily in: Canadian fixed income securities
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Moderate
Investment risk: Low
Invests primarily in: Global fixed income securities
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Global fixed income funds, U.S., International and Emerging Markets funds
Your investment timeframe: Medium to long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth
Investment risk: Medium
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Long-term capital growth
Investment risk: Low to medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
Target Allocation*
View Details
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium to high
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new windowHighlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
Target Allocation*
View Details:
Invest Seriesopens in new window | Series 1opens in new window | Series 2opens in new window*The portfolio target allocations are subject to change without notice.
RBC GIF Information and Financials
Information Folder & Contract
Segregated Fund FAQs
Have a question about segregated funds? Get the answers you need here.
You can start investing in an RBC Guaranteed Investment Fund (GIF) for as little as $50 per month when you set up a pre-authorized debit (PAD) plan.
You can hold RBC Guaranteed Investment Funds (GIFs) in a number of account types, including Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), non-registered plans, locked-in plans and Registered Retirement Income Funds (RRIFs).
If a segregated fund has a “reset” option, you can reset the guaranteed value of your contract when the market value becomes higher than the original value (or “book value”) of your investment. This reset function allows you to keep pace with market growth. Generally, when the reset feature is used, the maturity date will also be reset.
The Invest Series, Series 1 and Series 2 have different options and features to meet different investment needs and goals. Take a look at our comparison chartOpens in new window to see what each one offers.
RBC Guaranteed Investment Funds (GIFs) and RBC Select Guaranteed Investment Portfolios (GIPs) are available in three different series—Invest Series, Series 1 and Series 2—each designed to help meet various investing goals. A licensed RBC Insurance® Advisor can help you determine which series—or combination of series—is right for you.
Portfolio solutions, such as RBC Select Guaranteed Investment Portfolios (GIPs) are designed to provide the right asset mix to meet your risk profile and investment objectives. Each RBC Select GIP is actively monitored and rebalanced by RBC Global Asset Management™ to ensure your investments remain on track. There are 4 RBC Select GIPs availableso whether you’re a conservative investor or more growth-oriented, you’re sure to find a portfolio that meets your needs.
Yes. Segregated funds are actually ideal investment solutions for individuals who don’t qualify for life insurance. That’s because they offer death benefit guarantees that ensure your beneficiaries will receive a guaranteed percentage of your original investment (less any withdrawals and fees) upon your death. There is no medical checkup or underwriting required.
Yes, you can withdraw from a segregated fund before the maturity date, however your guarantees will be affected. They will be proportionately reduced by any withdrawals or fees applicable to the withdrawal.
Want to Know More?
Ask us how segregated funds can help you protect, grow and preserve your money.
Have an existing RBC GIF contract? Please contact your current advisor.
Will be reduced proportionately for all withdrawals and fees.
Please refer to the information folder and contract to understand how the guarantees work.
Please contact your advisor if you require copies of previously published Financial Statements and/or Fund Facts.
Resets
Resets let you take advantage of market growth. You can reset the guaranteed value of your segregated fund contract when the market value exceeds the original value of your investment. Generally, when a reset is used, your maturity date will also be reset based on how far into the original term you are.