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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 types of investors, whatever their risk tolerance.
  • 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.
Learn more about segregated funds

Additional information

Guaranteed Interest Funds

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

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.
  • Deposits guaranteed by Assuris

Additional information

Mutual Funds

Just like segregated funds, they are comprised of stocks, bonds or market securities and are managed by experts. They are more suited to investors with long-term investment objectives who don’t mind taking some risk.

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

Daily Interest Fund+

The Daily Interest Fund+ (DIF+) allows you to make deposits yourself in investments that you previously selected with your advisor. This is thanks to our unique benefit, the Automatic Investment Term (TAI).

Interest is earned in your investments on a daily basis (paid monthly).

To find out how to make deposits, click here or talk to your financial security advisor.

The current interest rate can be viewed here.

High Interest Savings Account

Simple, accessible, risk-free

The high interest savings account is a good option to grow your money with complete peace of mind. Whether you want:

  • To wait for the right time to invest
  • Risk-free saving
  • Liquidity for unforeseen emergencies

Benefits and features

  • Growth

    • High yield
    • No withdrawal fees, no management fees
    • Interest that accumulates on a daily basis (paid monthly).

  • Accessibility

    • No minimum investment
    • Withdrawals are possible at any time
    • Offered in all our savings products, regardless of registration type (RRSP, TFSA…).

  • Security

    • Risk-free
    • Possible creditor-protection