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Segregated Funds

What is an individual segregated fund?

An individual segregated fund combines the performance potential of a mutual fund with the security of an insurance product. Like a mutual fund, an individual segregated fund is a collection of stocks, bonds and other investments that provide you with an opportunity to "grow" your investment capital. However, a mutual fund is a security, while an individual segregated fund is an insurance product.

The segregated fund advantage

When you invest in Standard Life’s Ideal Segregated Funds family, you become a “contractholder”. As the owner of the contract, you are entitled to benefits only individual segregated funds can offer, such as built-in guarantees. This means that individual segregated funds can minimize your exposure to market downturns.

Standard Life’s Ideal Segregated Funds family combines financial protection with growth potential to offer you a worry-free solution for your savings and retirement needs.

Choose between our Ideal Segregated Funds Signature 2.0 or our Ideal Segregated Funds "Classic Series".

Everyone wants a comfortable retirement. Segregated funds, with their guarantees and other benefits, are a good solution. For added flexibility, look into Standard Life’s Ideal Segregated Funds Signature 2.0.

It’s built to help maximize your protection in down markets, and access growth potential in up markets.

All you have to do is get started.

Ready when you are, whatever stage you’re at.

Choose what works for you. Your advisor will help you decide between series designed to protect, grow and diversify your investments. You can choose a plan type that works for you, and select investments that meet your needs. Plus, we offer plenty of choices, so your advisor can tailor the solution to your needs.

All series are available in registered and non-registered savings plans, Tax-Free Savings Accounts, and registered retirement income plans.

A description of the key features and the terms and conditions are available in the Ideal Segregated Funds Signature 2.0 Information Folder and Contract.

Ideal Segregated Funds are designed to fit with your life cycle needs. When the time is right, you will find it remarkably easy to switch from saving for retirement to taking income from your savings.

Take a look at some of the great features you can benefit from:

  • 75% Maturity or Payout Benefit Guarantee
  • 100% Death Benefit Guarantee on all premiums if contract is issued prior to annuitant's age 80 (available to individuals aged 80 or over with a 75% Death Benefit Guarantee)
  • Contract-based Maturity and Death Benefit Guarantees
  • Dollar-for-dollar reduction of guarantees for scheduled retirement income payments on registered retirement income plans
  • Wide selection of professionally managed funds offering diversification and consistent long-term performance

A description of the key features and the terms and conditions are available in the Ideal Segregated Funds Information Folder and Contract.



The complete fund family is available both on a registered and non-registered basis for savings and registered retirement income plans, making it flexible enough to meet your needs at every stage of life.

Standard Life’s Ideal Segregated Funds family provides simplicity, flexibility and peace of mind.

Your advisor can help you decide which of our segregated funds is ideal for you.

Understanding your rates of return

Your Personalized Rates of Return (PROR) help you to assess the performance of the total investments in your plan over a selected period of time and allows you to compare performance with market indices.

Method used to calculate your PROR

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