A segregated fund is a type of investment offered by insurance companies that combines the growth potential of mutual funds with the security of an insurance policy. Unlike traditional mutual funds, your money in a segregated fund is protected—usually guaranteeing a percentage of your original investment ( 75% or 100% of your investment) upon maturity or in the event of death.

Segregated funds offer several benefits, including potential market growth, estate planning advantages, and creditor protection. They are ideal for investors who want to participate in the market while minimizing risk and ensuring a measure of financial security for themselves and their loved ones.