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投资RRSP 为何要选RBC Insurance 的资本保证基金

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发表于 2018-2-9 16:03:39 | 显示全部楼层 |阅读模式
本帖最后由 amywhite 于 2018-2-9 21:39 编辑

Why choose segregated funds for your RRSP?

Holding segregated funds in your RRSP means that your investments are issued and backed by the strength of a life insurance company. Segregated funds can be beneficial to your estate planning for two main reasons:

1) CAPITAL PRESERVATION

The death benefit feature preserves your capital for your named beneficiaries. It guarantees that your beneficiaries will receive a specific percentage of the value of your investment upon the death of the person whose life is insured under the contract (known as the annuitant), even if the market value of your investment goes down. It’s a feature you won’t find in any mutual fund or traditional stock or bond portfolio, and it’s your reassurance that the inheritance you want to leave for your loved ones will be there for them.

2) BYPASSING PROBATE*

Enables your segregated fund assets to bypass probate (the process by which a court formally approves a Will as the valid and last testament of the deceased person), thereby minimizing the costs of probate. Probate is often a lengthy, costly and public process. So, not only can your beneficiaries end up with less money, but your financial and personal information may also become available to the public.



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