GURANTEED INVESTMENT FUNDS

Segregated Investment Funds (GIFs)

segregated fund is a collective pool of funds investors pay into. While that’s similar to a mutual fund, segregated funds include investments within insurance contracts and are often sold by insurance companies.

What are the advantages of using a Segregated Fund?

  • Maturity and Death Benefit Guarantees – Most segregated funds guarantee about 75%-100% of premiums paid on the policy. This means you’ll get most or all of your original investment back in the event of maturity or the policyholder’s death.
  • There is also a death benefit guarantee, which means your beneficiaries receive the higher of the guaranteed death benefit amount or the market value of investments.

  • Market Volatility Protection – While both funds are susceptible to market fluctuations, the maturity and death benefit guarantee of segregated funds includes an added layer of protection.
  • Lock-In Market Gains – For an added fee, you can lock in gains as part of the principal when you reach a certain maturity or death guarantee. This means you could add to your investment growth and leave your beneficiary even more money.
  • Estate Planning – Segregated funds do not flow through your estate and aren’t subject to probate, meaning funds won’t be reduced by taxes and other fees.
  • Creditor and liability protection – Unlike mutual funds, segregated funds may be protected from creditors when a specific beneficiary is named. It also means that upon death, creditors can’t go after the assets within your policy.

Nest Wealth and Steven Lang have a referral arrangement pursuant to which Nest Wealth pays Steven Lang referral fees for introducing clients to Nest Wealth. Nest Wealth and Steven Lang are not affiliated entities, partners, joint ventures, or agents of each other. Nest Wealth is a registered Portfolio Manager and as such, is responsible for delivery of portfolio management services including but not limited to suitability and investment recommendations.


At Lang Financial, we service customers across Canada. Primarily, we offer Financial Advice in Southern Manitoba and Northwestern Ontario areas.

I work with Castle Insurance Group Inc.