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Segregated Funds

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Segregated funds are very similar to mutual funds. A large pool of money is invested in stocks, bonds, or other securities with the goal of growing the value of the entire pool. But segregated funds are actually structured as insurance contracts, so they have some benefits that mutual funds do not.

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Guarantees - Segregated funds can guarantee 75% to 100% of your contributions (minus withdrawals) when the contract matures, or on your death. The value of the contract is not guaranteed at other times.

Potential creditor protection - If the beneficiary you've named qualifies, segregated funds are generally protected against seizure by creditors. This can be a big advantage for business owners and professionals wanting to protect against an unexpected lawsuit or bankruptcy.

Investor Privacy

As an organization that collects, uses and discloses personal information, Creative Planning Financial Group is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta, British Columbia and Quebec), effective January 1st, 2004.

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Compliance

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer.

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The sale of insurance products may not be the business of or under the supervision of FundEX Investments Inc. and FundEX may not be liable or responsible for such activities. Your FundEX Advisor may be registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. For insurance products sold through FundEX and under its supervision, please refer to your FundEX statement for a listing of life insurance products which may be sold through FundEX Investments Inc. under its supervision.

Mutual Funds provided through FundEX Investments Inc.

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