IAG Savings and Retirement Plan

The IAG Savings and Retirement Plan helps you to achieve your dreams thanks to investment options that combine growth and security.

Each of the investment fund series available through the IAG Savings and Retirement Plan is aimed at a specific type of investor. These series allow you to grow your savings while protecting your investments from market fluctuations.

After determining which series is right for you, a financial advisor will then help you to select the funds that will allow you to reach your savings goals.

Fund series overview

Investor Type Protection of monies invested Characteristics Available Funds

Classic 
Series 
75/75

An investor who is accustomed to investing in mutual funds

75% of premiums invested is guaranteed at maturity or at death prior to maturity

  • Maximum capital growth
  • Minimal management fees

78 segregated funds, including specialized funds

Classic
Series
75/75
Prestige

Designed for investors who have significant assets, Classic Series 75/75 Prestige offers preferential pricing that will help them grow their wealth even more.


Series
75/100

An investor who wants complete estate protection in order to leave an inheritance to loved ones

75% of premiums invested is guaranteed at maturity, with 100% at death prior to maturity

  • Full estate protection in case of death
  • Competitive management fees

73 segregated funds

Series 
75/100
Prestige

Designed for investors who have significant assets, Series 75/100 Prestige protects investors’ wealth and offers preferential pricing that will help them grow their wealth even more.

Ecoflex
Series

100/100

An investor who wants to make the most of market opportunities and protect his/her money from market downturns

100% of premiums invested is guaranteed at maturity or at death prior to maturity

  • Complete security for retirement savings
  • Minimum guarantee value reset up to 4 times per year (upon request)
  • Higher management fees

46 segregated funds

FORLIFE Series

Investor Type

An investor between 50 and 75 years of age who wants a stable and guaranteed retirement income as well as access to his/her investments at all times

Protection of monies invested

100% of premiums invested is guaranteed in case of death

Characteristics

Minimum income guarantee on premiums invested for over 10 years

Savings Stage

Retirement savings growth in the event of market upturns and protection against market downturns

Funds available

46 segregated funds

Income Stage

Stable lifetime guaranteed income

Funds available

2 lifetime guaranteed income funds

Other investment options

In addition to the segregated funds offered in these series, other investment funds are available. You may opt to invest in guaranteed interest funds (similar to guaranteed investment certificates – GICs) and daily interest funds.

If you would like to invest in mutual funds or securities, you must do so outside of the IAG Savings and Retirement Plan.