Segregated funds & annuities

Investments with a safety net

Segregated funds

Mutual funds with an insurance policy to protect your investment

Secured with an insurance policy

Get the security of an insurance policy that guarantees 75% to 100% of your net principal, upon death or maturity.

Matched to your investment style

Invest in a segregated fund portfolio aligned with your goals, priorities, and investment style.

Regularly monitored and rebalanced

Enjoy flexible investing as your portfolio is actively adjusted to ensure performance and mitigate risk.

Valuable estate planning tool

Easily pass your investments down to beneficiaries without probate or legal fees.

Annuities

Guaranteed retirement income

Protect your income for life

A life annuity is an insurance contract that offers a guaranteed income.

  • Protected from market fluctuations
  • Guaranteed income for life for you and your spouse
  • Tax advantages for non-registered savings

Segregated funds and annuities can be part of your registered savings

Segregated funds can bring security to your TFSA, RRSP, RESP, and RRIF. Annuities guarantee retirement income and can be included in your registered retirement plan within RRSPs and RRIFs. 

​RRSP

RRIF


Investment advice

Work with a Certified Financial Planner CFP®

Work with a certified financial planner to develop a savings and investment plan customized to your lifestyle and goals. Financial planners can make recommendations to maximize your tax savings and insurance to protect you and your loved ones. Financial planners can help you:

  • Build a plan tailored to meet your needs
  • Understand your investment options
  • Protect your lifestyle
  • Achieve your financial goals


More details Book an appointment

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Financial planning services are memberSHARE eligible. Earn cash bonuses every year when you bundle qualifying products.

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- Sara J.

Investment strategies

Segregated funds vs. mutual funds

Segregated funds are similar to mutual funds in that money is pooled to buy stocks, bonds, and other securities to maximize investment gains. Segregated funds are insurance contracts that offer special benefits such as a principal investment guarantee against loss, guaranteed income, and creditor protection.

Unlike mutual funds, segregated funds guarantee most of your initial investment at the time of maturity or in the event of death. Depending on the insurance provider, the guarantee can vary from 75% to 100% of the net principal investment amount. Think of segregated funds as mutual fund investments with a safety net.

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Insurance solutions

Protect yourself & your loved ones when it matters most

Work with a financial planner to protect your lifestyle with:

  • Life insurance
  • Critical illness and disability insurance
  • Long term care insurance
  • Segregated funds & annuities


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Investment options

Investments tools for every lifestyle

Whether you’re a savvy investor or just getting started, investments can help make the most of your savings and retirement plan.


Choose Aldergrove Credit Union

Earn cash back

Earn bonuses and rebates on products, plus dividends on equity shares paid annually.

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Access your money across Canada with over 3,600 free ATMs and six local branches.

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Budget, bank and learn using online and mobile banking solutions 24/7.

No-limit banking

Get excited to save and spend with affordable account options including unlimited transactions.

How to reach us

Email

Send us an email and get a response within one business day.

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8:30 am - 5 pm
Saturday 8:30 am - 3 pm

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Book an appointment with a
Financial Advisor.

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Mutual funds and related financial planning services are offered through Qtrade Asset Management Inc.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

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