Creating and sustaining a viable retirement income is a multi phase project or programme an individual undertakes with his/her financial advisor(s) over a long period of time.

This section of of WEB SITE hosts articles and resources dealing with this topic. 

Segregated Funds are in many respects like Mutual Funds that are guaranteed by a Life Insurance Company.  The guarantees are often: Guaranteed return of principal at death and/or maturity (often 10-years to maturity). Like Mutual Funds, most Seg Funds can be cashed or moved. Seg Funds have a higher MER (Management Expense Ratio) to help pay for the guarantees and sometimes return 1% or 2% less than its equivalent Mutual Fund.

Seg Funds are provided through Life Insurance Companies. Mutual Funds are provided through Hub Capital, our Mutual Funds Dealership.