Segregated Funds Protect your investment, your way.

Return
Up to 13.09%1

Risk
Variable

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Segregated funds offer three capital guarantee options, so you can choose the risk level you’re comfortable with when it comes to market fluctuations.

Our advisors2 walk you through the portfolio selection process to find the solution best suited to your goals and investor profile.

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Beneva segregated funds, a smart investment

You get to choose a beneficiary

Designating your beneficiaries means a simplified, faster estate settlement for your loved ones in the event of your death.

We guarantee your capital

Your capital is shielded from market fluctuations. And you choose the guarantee that works for you.

You can reset your guarantee3

Every 3 years, you can reset your contract, potentially locking in market gains and increasing capital for your beneficiaries.

We shield your money from creditors

In the event of bankruptcy or recourse by creditors, your investment may be exempt from seizure.4

Capital guarantees to keep your investment safe

All segregated funds come with two basic capital guarantees by default: one at maturity, one in case of death. You can increase these guarantees to further protect your investment. You decide what’s right for you.

The first guarantee ensures a percentage of your capital when your contract reaches maturity. The second is a death benefit, which provides your loved ones with an amount when you pass away.

C’est quoi?
75 % à l’échéance et 75 % au décès

C’est pour qui?
C’est la garantie de base, celle qui vient avec tous les fonds distincts. Elle est pour vous si vous êtes encore à plusieurs années de prendre votre retraite et que voulez tirer le meilleur parti de vos rendements.

C’est quoi?
75 % à l’échéance et 100 % au décès

C’est pour qui?
Cette garantie offre une plus grande protection pour vos proches, avec la protection de base à l’échéance.

C’est quoi?
100 % à l’échéance et 100 % au décès

C’est pour qui?
Aux gens qui veulent le plus haut niveau de protection contre les baisses du marché, pour garantir à 100 % leur capital à l’échéance du contrat et en cas de décès.

Portfolios to match every goal

We're well surrounded! Our team of dedicated experts have built a line of ready-made portfolios tailored to different risk profiles. This means there's something for everyone and you can easily diversify your investment.

Plus, our experts stay on top of market trends and vigilantly monitor our portfolios to ensure optimal performance.

Service fee information
Sphère avec billes en or
Registered plan

IPP

Non-registered plan

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1. Best 5-year annualized net rate of return for the basic guarantee option as of July 31, 2025.

2. On behalf of Beneva Investment Services Inc., Mutual fund dealer and Financial services firm or on behalf of Beneva Inc. Financial services firm or Authorized partners of Beneva Inc., Financial services firm.

3. Contract resets are only available for the Enhanced and Optimal capital guarantee options.

4. Certain conditions apply. According to applicable legislation.

If interest rates published on this site differ from those in the official list from Beneva inc., the official list published by Beneva inc. shall prevail. Interest rates are subject to change at any time without notice.