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At 85 years of age, are segregated funds a good investment option (to hold in RRIF or non-registered accounts)?



Our response:

Thanks for your question, Bernice. We are not able to provide individual investing advice. The following information may help you make an informed decision.

Segregated funds are an investment product sold by life insurance companies. Unlike mutual funds, segregated funds provide a guarantee to protect part of the money you invest (75% to 100%). However, you have to hold your investment for a certain length of time (usually 10 years) to benefit from the guarantee. You pay an additional fee for this insurance protection. Learn more about segregated funds.

Speak to a registered financial advisor or licensed insurance agent for advice about the options that work best for your investment plan.

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