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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 individual segregated fund advantage

An individual segregated fund is actually an insurance contract. So when you invest in Standard Life’s Ideal Segregated Funds family, you become a “contractholder”. As the owner1 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 "classic" Ideal Segregated Funds.

Everyone wants a comfortable retirement. But achieving that goal in today’s volatile economic environment is challenging. That’s why individual segregated funds, with their guarantees and other benefits, are a good answer.

An even better answer is Standard Life’s Ideal Segregated Funds Signature 2.0.

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.

Ideal Series Plans

1 The guarantee is payable on the condition that the series has been in force for at least 10 years (for Ideal 75/100 Series) or 15 years (for Ideal 100/100 Series) from the date of the first premium payment, or if resets have occurred, from the last reset date. For the Ideal 100/100 Series, additional premiums that have been in the series for less than 15 years are guaranteed at 75%. For the Ideal 75/75 Series, the guarantee applies provided the series has been in force for at least 10 years at the Series Maturity Date. The Series Maturity Date is the annuitant’s 100th birthday for TFSA and non-registered savings plans and the annuitant’s 71st birthday for registered savings plans.

2 The Ideal Global Absolute Return Strategies Fund invests in Canadian dollar hedged Class Z shares of the Standard Life Investments Global SICAV Global Absolute Return Strategies Fund (the underlying fund) which is managed by Standard Life Investments Limited (UK). Performance of the Standard Life Investments Global SICAV Global Absolute Return Strategies Fund is not guaranteed. This fund is not a substitute for cash or deposits. In order to achieve its investment objective, the Standard Life Investments Global SICAV Global Absolute Return Strategies Fund will make extensive use of derivatives. The value of an investment may rise as well as fall.

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

1 On registered plans, the owner is also the annuitant. On non-registered plans, you can designate someone else as the annuitant (or person insured under the series) and the Death Benefit Guarantee will be payable on that person’s death.

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