Why Choose RBC Insurance Retirement Solution

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Segregated Funds vs. Mutual Funds
Segregated funds are similar to mutual funds in a few ways. You invest in a fund, both contain a diversified group of investments, it’s easy to access your money, and they both offer professional money management.
There are, however, some unique advantages to segregated funds that mutual funds don’t offer:

• Maturity guarantees. A segregated fund policy guarantees that the value of your investments at maturity will not be less than a specified percentage of the amount you invest.3
• Death benefit guarantees. Your beneficiary will receive the guaranteed amount or market value of your investments—whichever is higher.3
• The ability to bypass probate. Your beneficiaries get their payout faster, the privacy of your affairs is maintained and the cost of probate fees is avoided*.
• Potential creditor protection for non-registered accounts. Your segregated fund assets may be protected from creditors in the event of a bankruptcy.**
• Resets. The ability to lock in market gains on your investment.
  

At-a-Glance: Segregated Funds vs. Mutual Funds

Features	Segregated funds1	Mutual funds
Professional portfolio management
Diversification among asset classes and management styles
Grow a portfolio while diversifying risk
Liquidity: easy access to your money through daily price valuations
Ability to bypass probate and keep financial affairs private		Occasionally2
Potential creditor protection for registered accounts
Potential creditor protection for non-registered accounts
A guarantee of the principal (or a specified percentage) at maturity3
A guarantee of the principal (or a specified percentage) at death3
Lock in market growth using resets

每年RESET 保底值 这款产品是保底的，如果中途卖出，将获得市场价值，而非保底价值。当然市场价值可能低于或高于保底价值。

因为投资在基金上，因此可能会有正负收益。此类产品每年比较一次保底值与市场价值。如果市场价值高于保底值，则以较高的市场价值代替保底值，反之则保留保底值不变。牛市里分享市场的红利，而熊市里基本不必担心赔钱。

这点之所以很重要，因为保底值是你将来每年提取分红或者领取Death Benefit的基础。
Call RBC Insurance Amy at (226)808-7823 to find out more.