With so many things to worry about, the last thing on your mind may just be your financial future. More specifically, you are too busy with the “now” to be worried about your financial future. Unfortunately, this mindset can lead to a laundry list of problems. Not planning for the “what can happen” such as medical emergencies or car accidents can lead to situations you are not ready for, leaving you financially burdened.

That said, if you think planning for such financial situations takes too much time and is not worth it, think again. There are plenty of solutions now that make securing your financial future much easier, and one of those solutions is known as segregated funds.

Segregated funds are an investing strategy offered by insurance providers. This solution is quite similar to a mutual fund. The only difference is that segregated funds are protected! Now, if you are wondering why you should consider segregated funds over other solutions, here are the benefits it has to offer:

1) Protects Your Money

When investing in a segregated fund, most if not all your money is guaranteed when the investment matures. No matter how well (or badly) the market performs, you will lose little to nothing in your investment. Of course, the lower the guarantee, the higher the return, and so you can choose which guarantee level you are comfortable with depending on your financial situation.

2) Increases Your Wealth

As we have already said, you can profit from segregated funds. Apart from securing a portion or all your investment, you would be increasing your wealth in the process. The best part is that you do not have to manage the funds by yourself. A team of professionals will do their best to maximize returns depending on the market, ensuring you make the most out of your investments.

3) Secures Your Business

If you are running a business, segregated funds can prove beneficial by allowing you to separate your personal savings from any business-related liabilities. For example, you can name your spouse and children if the business goes into bankruptcy or litigation, putting them first in line to get money over other individuals such as creditors.

4) Boosts Your Estate Value

Accidents can happen at any time, anywhere. You never know which day will be the last, but these funds can ensure your family’s financial stability should something happen to you. Segregated funds allow you to name family members or other entities, ensuring they get a certain amount of money. Note that if you do name a beneficiary, it will be treated as life insurance. In other words, they will get the greater value between a set amount versus the value of your investment, and they will get the money quickly without dealing with probate periods and such.


Segregated funds are an excellent way to secure your financial future, as they ensure that you maximize your investments, grow your wealth, and provide access to money should emergencies happen. With that in mind, do take the time to do your research about segregated funds to help you make a well-informed decision. Also, work only with reliable and trustworthy services to ensure you get a deal that supports your needs.

Alberta Wealth Management Inc. is a financial services company in Edmonton, helping individuals get life insurance, disability insurance, and many more policies to satisfy any needs. Work with us today and get help from our financial consultants to secure your financial future!