- Personal
- Investing
- Investment Products
- Segregated funds & annuities
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
memberSHARE eligible
Earn when you save
Financial planning services are memberSHARE eligible. Earn cash bonuses every year when you bundle qualifying products.
"I'm happy to be on a program where I earn more than I expect each year."
- 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.
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
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.
3,600+ ATMs
Access your money across Canada with over 3,600 free ATMs and six local branches.
Digital banking tools
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
Send us an email and get a response within one business day.
Call
Monday - Friday
8:30 am - 5:30 pm
Saturday 8:30 am - 3:30 pm
Meet with us
Book an appointment with a
Financial Advisor.
Visit a branch
Stop by any branch and we promise you’ll get a smile.