What are segregated funds?

Segregated funds protect you from market jitters because their built-in guarantees mean you can allocate your premiums knowing that your exposure to market downturns is limited.

Segregated funds are offered by insurance companies, and get their name from the fact that their holdings are kept separate from the insurance company's assets.

Like a mutual fund, a segregated fund is a collection of stocks, bonds and other investments that provide you with an opportunity to "grow" your investment capital. However, a mutual fund is a security, while a segregated fund is an insurance product. Segregated funds provide additional features and benefits not available with mutual funds.

Standard Life’s Ideal Segregated Funds family offers you protection, growth potential and choice – adding up to a worry-free solution to help you meet your savings and retirement goals.

Your advisor can help you decide which of our segregated funds is ideal for you.

Understanding your rates of return

Your Personalized Rates of Return (PROR) help you to assess the performance of the total investments in your plan over a selected period of time and allows you to compare performance with market indices. » Method used to calculate your PROR (PDF - 18Kb)