Non-Registered Accounts


Savings overview

Everyone has their own reasons for saving: buying a home or car, post-secondary education for the kids, taking the trip of a lifetime or making sure there’s enough retirement income to last. Whatever your needs, there are different savings products with different features designed to make it easier to achieve your goals.


Guaranteed interest products

While all guaranteed interest products are designed for people who want to protect their principal and earn a guaranteed rate of return, different products have different features. There are short-term, long-term and flexible-maturity dates, as well as a daily interest investment. Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans


Segregated funds

Segregated fund contracts, like mutual funds, are market-based investments, but because they are insurance contracts, they also have additional benefits, including efficient estate settlement. There are a number of segregated fund contracts that combine capital protection with growth potential. Your savings will be protected. When your contract matures or when you die, your savings will be guaranteed to return a minimum of 75% up to 100% of the money you put in (less withdrawals).Some segregated fund contracts also offer guaranteed lifetime income.

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