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I hold mutual funds in my RRIF and have recently been approached about investing in segregated funds. Which is better?



Our response:

We aren’t able to provide investment advice. You can read more about the difference between mutual funds and segregated funds and checking advisor registration in this previous question.

Keep in mind that while segregated funds provide a guarantee to protect part of the money you invest, it may not be all of your investment – the amount protected is usually 75% to 100%. You must hold your investment for a certain length of time to benefit from the guarantee – usually 10 years – and if you cash out before maturity, the guarantee won’t apply. You will also pay an additional fee for this insurance protection. Learn more about segregated funds.

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