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Investing: Mutual Funds and Segregated Funds

As a business professional or owner, it is vital to have a deep understanding of your income and spending habits in order to prevent overspending.

Understanding Irregular Expenses & Spending Habits

Periodically you will have to evaluate all expense categories, especially those that are not a fixed cost, and are sometimes or frequently inconsistent. Understanding expenses that have the ability to fluctuate will help you to spend less and create an overall reference point.

Monthly plans are good for a long-term overview of your spending habits. However, if you are attempting to manage the rate or amount you spend, a weekly plan would be ideal.

How To Double Your Money

Smart Investing & Financial Planning

Are you financially ready to retire? If you are a home owner, business owner, or have outstanding debts you may find yourself in hot water if you don’t have all your ducks in a row. Eliminate the worry of paying your bills and being in debt, with no savings.

If you’re only a decade or two away from retirement, you should consider making some smart investments that will pay off post-retirement. It’s time to make the most of your cash flow. Arm yourself with the knowledge to make informed decisions about your finances that suit your long-term goals.

Mutual & Segregated Funds

When it comes to smart financial decisions, a Wealth Advisor can help you in planning for your future. They can provide guidance and make recommendations regarding various types of investments, such as:


  • Equity Funds
  • Fixed-Income Funds
  • Segregated Funds: A mutual fund with an insurance guarantee.


With more than 10,000 mutual funds the options are endless. A financial advisor proves to be helpful through means of education. They help you become a wise investor and understand the risks and benefits that come along with each investment, all the while fitting your investment style.

Equity funds can produce a high return over a long-term period of time. Dividends are also another factor to consider here, as dividends can produce additional income, which can also be used to purchase even more shares. An example of an equity fund would be one that invests in companies that are growing rapidly by buying shares. This is also known as a growth fund.

Fixed-income funds are great if you are looking for a more stable income, as they have less of a tendency to fluctuate.

Segregated funds are long-term investments that can be purchased from life insurance companies with death benefit and maturity guarantees in increments of 5, 10, 15 years, etc. Investing in these insurance contracts are an investment within an investment (i.e. investing in a mutual fund and insuring it for a a period of 5 years or more). They help to protect you by promising to return at least 75% to 100% of your principal investment amount upon the maturity date of the contract or the death of the investor.


Contact me now to schedule an assessment of your situation.