Investment Funds

Whether you are looking for performance or security, we offer a wide range of investment options to suit your risk tolerance and investment preferences.

To help you understand the investment options available to you, please refer to the brief overview of investment vehicle categories below. A financial advisor can explain each in detail and help you to choose the right investments to reach your savings goals.

Segregated Funds

Segregated funds are similar to mutual funds, however what sets them apart is the guarantee they offer of investment protection against possible market downturns. Distributed exclusively by insurance companies, segregated funds are comprised of stocks, bonds or market securities and are managed by experts.

Advantages and characteristics

  • Allow you to take advantage of rising markets while offering guarantees against possible downturns at maturity and in the case of death. 
  • Managed by experienced portfolio managers and include an asset mix that suits all investor profiles. 
  • Protect your savings from potential creditors depending on your province of residence.  
  • Offer quick settlement in the case of death thanks to the designation of a beneficiary. 
  • Are part of the IAG Savings and Retirement Plan and may be purchased as an RRSP, TFSA, LIRA, RRIF, LIF or a non-registered savings plan.

Additional information

Guaranteed Interest Funds

This type of secure investment grows your money at a guaranteed rate of interest for a fixed period. It is ideal for investors looking for capital security.

This type of secure investment grows your money at a guaranteed rate of interest for a fixed period. It is ideal for investors looking for capital security.

These funds are similar to guaranteed investment certificates (GICs) offered by banks.

Advantages and characteristics

  • Offer a fixed and guaranteed interest rate for the term of the investment, offering a 100% guarantee of your capital at maturity.
  • Available at competitive rates for terms of 1 month, 1 to 5 years and 10 years.
  • Offer protection against creditors.
  • Are a part of the IAG Savings and Retirement Plan and may be purchased as a RRSP, TFSA, LIRA, RRIF, LIF or non-registered savings plan.

Additional information

Daily Interest Funds

These funds are ideal for short-term investment in order to accumulate money to transfer into another type of investment. You accumulate interest on a daily basis.

These funds are ideal for short-term investment in order to accumulate money to transfer into another type of investment. You accumulate interest on a daily basis.

Advantages and characteristics

  • Can be utilized on a very short term basis while you decide into which funds you would like to invest.
  • Are part of the IAG Savings and Retirement Plan  and may be purchased as a RRSP, TFSA, LIRA, RRIF, LIF or non-registered savings plan.

Mutual Funds

These funds are similar to segregated funds, however, they are more suited to investors with long-term investment objectives who don’t mind taking some risk.

These funds are similar to segregated funds, however, they are more suited to investors with long-term investment objectives who don’t mind taking some risk.

Just like segregated funds, they are comprised of stocks, bonds or market securities and are managed by experts.

Advantages and characteristics

  • Fluctuate according to market value and do not offer any guarantee on your investments. 
  • Offer a diversified asset mix. 
  • Are not included in the IAG Savings and Retirement Plan , but may be purchased as:  RRSP, TFSA, LIRA, RRIF, LIF, and a non-registered savings plan.

Additional information

IA Clarington Investments
Mutual and segregated fund management company

Investia Financial Services Inc.
Mutual fund brokerage firm

FundEX Investments
Mutual fund brokerage firm