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The S.M.A.R.T.er way to Grow your Wealth

( Save Money And Reduce Tax )

You worked hard for your money but is your money working hard for you ?

Protect your investments

Protect Your Investments from Market Declines

Your financial situation and planned needs are unique to you. That’s why our suite of investment options are designed to give you choices when it comes to meeting your individual investment and retirement goals. From low-cost ETF portfolios to options for uncertain markets that can offer guarantees for your capital and protect your investments from market declines, all the way to Private Wealth Portfolio Managers with concierge service.

Our Certified Financial Planners will work with you to help you decide on the best options for your needs and ensure that you will reach your goals faster.

Investment Options Available Through Us:

Robo - Investing


  • Professionally managed and monitored ETF and Private Pool portfolios with alternative asset class diversification opportunities
  • Fees up to 60% less than traditional mutual funds
  • Fully digital account opening and service and convenient app to access and perform transactions in your portfolio 24/7
  • No minimum to start
  • High Interest Savings Account

Segregated Funds & Annuities

  • Funds with guarantees that can protect much or even all your original investment
  • 100% guaranteed capital in the event of death and same low management fees as benchmarked mutual funds
  • 100% guarantees for both maturity value and death benefit with reset options
  • Lifetime income options
  • Estate planning benefits and potential creditor protection
  • No minimum to start


Private Wealth Firms & Portfolio Managers

  • Discretionary money management for high net-worth accounts, business owners, executives and family enterprises
  • Access to preferred investments and alternative asset classes
  • Concierge service with your own Portfolio Manager, exceptional diversification, lower volatility, and advanced tax planning support

Guaranteed Investment Certificates (GIC) vs Guaranteed Interest Fund rates (Insurance GIC) and what is the difference?

If you are looking for 100% Guaranteed returns you may be familiar with a GIC (Guaranteed Investment Certificate) as a safe and secure investment. When you are investing in GICs, you are basically agreeing to lend your money to a bank (or financial institution) for a specified time ( 1Year, 2 Year, 3 year, 4 Year or 5 Year is the most common but there are other options).

Typically the longer the term GICs earn more interest as you have to keep your deposit locked for a longer time. The interest on your GIC could be paid monthly, yearly, or at maturity – based on your agreement. If you are looking for a guaranteed Fixed Interest rate and don’t want to worry about market fluctuations – GICs may be a good alternative to your bonds but be aware of the downsides.

Downsides of GICs:

    • You may need to tie up your money until your term ends in order to get the full payout. This may not be ideal for everybody
    • Your interest earnings / investment return may not keep up with the inflation
    • If your GIC investment is held outside of a registered account (RRSP, RRIF, LIRA, LIF, RESP, TFSA, RDSP) – you will be taxed on your Interest earnings.

A less-known alternative to GICs for people who look for a guaranteed return is a Guaranteed Interest rate fund which is essentially an Insurance GIC. Here are some of the differences.

Insurance GIC benefits:

  • Insurance GICs are fully redeemable at any time (fees may apply)
  • If you are 65 or older – Insurance GICs may be eligible for the Pension Tax Credit, and Pension Splitting. You can allocate up to 50% of your eligible pension income (from a higher-earning spouse to a lower-earning spouse), effectively reducing the overall tax liability.
  • Insurance GICs are annuities and as such, they could provide Creditor Protection
  • Unlike traditional GICs, with Insurance GICs you can name a beneficiary for non-registered assets allowing them to flow directly to your beneficiaries – and bypass probate.

What if you want higher returns but also want some type of guarantee?

Having Your Cake and Eating it Too: Investing in an Uncertain Market

Investing in an uncertain stock market is not for the faint of heart. However, fortunately for Canadians, Segregated Fund products offered by many life insurance companies provide a safety net for nervous investors.

Fund products present some interesting opportunities for people looking to get more security in their investment portfolios without sacrificing their potential for growth.

100% Maturity and Death Benefit Guarantee

While many companies have reduced their guarantees to 75%, a few companies still offer 100% guarantees for both maturity value and death benefit. The 100% guarantee offers these advantages:

    • At the maturity date, the value of the investment will be greater of the market value or 100% of the sum of deposits less any withdrawals taken. In other words, at maturity (minimum 15 years), your worst-case scenario is receiving full value for all of your deposits.
    • At death, the 100% guarantee will ensure that your beneficiary receives the greater of the market value of your Segregated Fund or the sum of all your deposits less any withdrawals taken.

Reset Feature for Maturity and Death Benefit Guarantee

Resets can have significant value in a volatile market. With this feature, you have the ability to:

    • Reset the maturity guarantee value (usually more than once per year). Accordingly, you can lock in your investment gains at maturity. With each reset you also have the option of designating a new maturity date.
    • Automatically reset the death benefit guarantee, locking in your investment gains at death. (The frequency of the reset varies by company).

How Significant are Reset Options? You Decide

    • In 2004, John invested $500,000 in a segregated fund and selected a first quartile but highly volatile equity fund as the investment choice.
    • Over the next few years, John’s fund performed very well and his investment grew to $750,000.
    • In late 2007, John exercised his reset option.
    • The market collapse of 2008 saw John’s investment value fall to $380,000.
    • This same collapse devastated many investors. Meanwhile, John was able to recover not only his original investment but also the full $750,000 at his maturity date.

As you can see, reset options give you the ability to lock-in gains. Implementing a reset when prices peak, the guaranteed amount of your seg fund will be increased.

Designation of Beneficiaries Enables Protection

One fact about Segregated Funds that is often overlooked is that as a product of a life insurance company, you can name a beneficiary for the proceeds at your death. This creates the potential that your segregated fund investment may be free from the claims of creditors or potential litigants.

Investing Using a Balanced Portfolio Close to Retirement

Volatile investment markets create a significant amount of stress and emotional turmoil, particularly amongst older investors. The closer you get to retirement, the higher the stakes. Therefore, many investors have forsaken the potential of higher returns for a significant portion of their portfolio. While this does reduce risk, it probably will result in lower returns.

By using Segregated Funds and taking advantage of the 100% Maturity Guarantee and reset options, one could achieve balance in their portfolio without necessarily locking in low yields.

Estate Conservation for Mature Investors

The 100% death benefit guarantee means that you can remain invested in an equity portfolio while not risking the estate value of your investment portfolio. Regardless of what happens in the market, your investment fund is totally guaranteed at your death. This guarantee is available for deposits made up until age 90.

By naming a beneficiary, upon your death, all of your segregated fund investments will flow to your beneficiary without any probate fees, administrative costs or risk of any Wills Variation Act litigation.

Capital Protection

Market downturn is not the only risk to which capital can be exposed. For many professionals and business owners, there are situations that may involve litigation either by creditors or other parties who feel they have a claim against your personal and business assets. By naming a preferred beneficiary, this risk is potentially eliminated.

Complicated Estate Protection

For domestic situations involving previous marriages and the desire to protect capital for present or previous family members, the beneficiary designation could be made irrevocable. The irrevocable beneficiary designation confers rights and protection on the beneficiary, which would not be as enjoyable through the “primary beneficiary” title.

Another advantage of Segregated Funds is that the use of named beneficiaries allows for a confidential transfer of wealth at death. In uncertain times having the comfort of a maturity and death benefit guarantee provides investors with a significant safety net.

Let’s connect to discuss if Segregated Funds will compliment your current investment strategy. As always, please feel free to share this article with anyone you think would find it of interest.

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