A significant advantage when markets ARE RISING
Protect your investment gains
- up to 4 resets per year
Locking-in of accumulated values
- Discretionary reset: You can request up to 4 resets per year
- A reset by the company automatically kicks in when the market value of your investments is greater than the current guaranteed value
Why choose funds that offer guarantees?
Protection for when markets ARE FALLING
- A cushion that can be used when financial markets are falling
- Protection guaranteed to shelter your savings from stock market blips
- Added security to increase your savings in a tax-sheltered retirement vehicle
Guarantee at maturity
To protect your investments from possible downturns in financial markets, our segregated funds offer a guarantee at maturity. On the chosen maturity date, we guarantee the higher of the following amounts:
- The market value of your investments;
- 100%* of the deposits made up to 15 years prior to the maturity date, plus 75% of the deposits made in the final 15 years.
Guarantee at death
Your heirs are ensured of receiving either the market value of your investments or 100% of deposits made before age 80. Deposits made from age 80 on are protected by a 75% guarantee.