Products Segregated Funds

What are segregated funds?

Segregated (or seg) funds are an investment product sold by life insurance companies. They are individual insurance contracts that invest in one or more underlying assets, such as a mutual fund.

Unlike mutual funds, segregated funds provide a guarantee to protect part of the money one invests (75% to 100%). Even if the underlying fund loses money, one is guaranteed to get back some or all of one’s principal investment. But one has to hold your investment for a certain length of time (usually 10 years) to benefit from the guarantee. And one pays an additional fee for this insurance protection. (Source:

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What are the strategies used by RI segregated funds?

Responsible investment segregated funds generally use one or some of the following strategies: exclusionary screens, Best-in-Class and engagement.

Click here  to view existing responsible investment segregated funds in Canada and the strategies they use.