Hedge funds > An Investing/Insurance Alternative

An Investing/Insurance Alternative

by: Jeff Lakie

Segregated funds are the insurance company's answer to mutual funds. There are many differences and similarities but if you are putting together a financial plan that includes insurance and investments, you'll probably want to consider a segregated fund.

Segregated funds are also called individual variable insurance contracts (IVIC's) and they'll be offered by a many insurance companies. Like mutual funds, they are investment vehicles, but like insurance, they have guarantees and tax advantages.

How are they like mutual funds?

Like mutual funds, you can choose to put your segregated fund money into any number of different types of segregated fund. For example you can choose growth oriented funds or bond funds or some combination of both, which provide you with an investment vehicle that matches your goals.

How are they like insurance products?

But there are four insurance-related aspects of segregated funds that make them an attractive product for many people.

1. First, is the maturity guarantee. A segregated fund offers a guarantee of at least 75% after 10 years (although some segregated funds offer maturity guarantees of 100%!).

2. As well, segregated funds offer attractive death benefits, which work in a similar way to the maturity guarantee: your survivors will receive the difference between the guaranteed amount and the market value of the fund at your death.

3. Because segregated funds are insurance products, they also offer creditor protection, so that if creditors seize your assets, they cannot touch your segregated fund.

4. Lastly, segregated funds bypass probate so that you can easily transfer the money to a beneficiary upon your death without the costly fees associated with probate.

Like all insurance and investment vehicles, segregated funds are not for everyone. For example, the guarantees do bring a higher cost in order to enjoy the segregated fund. However, segregated funds are growing in popularity, so many people feel that the guarantees are worth the cost.

These are just highlights of segregated funds. There are many more aspects you should be aware of. But, if you're interested in a segregated fund and what one can do for your financial portfolio, contact your insurance company and see if they sell them. If they do not, you can probably find another insurance company that will be able to help you if you look around.

About The Author

Jeff Lakie is the founder of http://www.my-boat-insurance.info and http://www.my-renters-insurance.info websites providing information on Insurance.

Want To Start A Home Based Business! First Get Your Funding Strategy Right.

Want To Start A Home Based Business! First Get Your Funding Strategy Right.

by: Kanaga Siva

Proper Funding is a pre-requisite for the successful operation of a Home Based Business. The fact is that without sufficient funds even the best planned Home Based Business whether it is big or small is bound to fail. Cash is an important ingredient absolutely necessary to sustain your Home Based Business and run it. The capital you require will ofcource depend on how big your operation is going to be.
Many businesses fail within a year or two for want of sufficient working capital.

Most Home Based Businesses don?t often need much funds especially if you start on a part-time basis; nevertheless funds are absolutely necessary even if you start a Free Home Based Business.

The fact that you do not have sufficient funds need not put you off from starting a Home Based Business because you can always apply for a loan.

Given below are 6...

Want To Start A Home Based Business! First Get Your Funding Strategy Right.

Hedge funds > Want To Start A Home Based Business! First Get Your Funding Strategy Right.

How To Make a Fortune in Investments?

by: Lil Waldner

People work and save a part of their salaries. They try to make more money out of their savings. Some of them try to achieve more: They want make a fortune and change their life. How can you make a fortune out of
your money?

With a New Business Idea

The most promising way is to develop a new business idea. Young scientists or professionals detect a problem. They do a lot of research in order to find a solution. They develop a new product or service. If they are lucky, they meet a demand on the market. They bring their innovation to the market. This is a long way that can last years. Entrepreneurs as innovators need all their savings in order to realize their business idea. They have to spend hundreds of thousands of Dollars from their savings. They even need to acquire more investment funds from other people.

By Funding of a New Business Idea

Not everyone is able...

How To Make a Fortune in Investments?

Hedge funds > How To Make a Fortune in Investments?

How Do I Prepare for Retirement?

by: Stuart Simpson

When the day finally arrives, will you be ready?
What do you need to do?
How do you need to prepare?
Well, if you are over 10 years from retirement, then just sock away tons of money in your 401k for now.
This article is focusing on people a little closer to retirement.

So you are about 10 years from retirement.
What should you do?
What should you look at and what things will come up that you typically don?t think about while you are working?
There are 5 guidelines for you to look at to prepare your financial retirement.

Do you have an emergency fund?
Some experts say you should hold between six and 10 months worth of living expenses.
When we were younger, that seemed ludicrous.
How could you save so much and be expected to eat?
We had kids to raise and educate.
But now, think about...

How Do I Prepare for Retirement?

Hedge funds > How Do I Prepare for Retirement?

Like it or Not, Finance Matters, a Lot

Like it or Not, Finance Matters, a Lot

by: Nathan Dawson

Finance. We hear that word thrown around quite a bit and used in phrases like in the world of high finance or financing options are available for those who qualify, but what does it really mean? It doesnt take an E.F. Hutton or J. Paul Getty to understand that the term finance and variations like financial, financing, financier, and such are related to monetary matters.

You may be surprised, however, just how many people have no real idea what is meant by finance. In fact, its safe to say that much of America has a better fix on the goings on inside the Big Brother house than they do on what happens at the Federal Reserve! This is sad, but true.

The American Heritage Dictionary of the English Language offers four definitions for the word finance.

They are:

1. The science of the management of money and other assets.

2. The management of money, banking, investments,...

Like it or Not, Finance Matters, a Lot

Hedge funds > Like it or Not, Finance Matters, a Lot

Outdoor Christmas Decoration

by: Adam Peters

An outdoor Christmas decoration holds a special place in people's hearts. Christmas is an elaborate celebration for many people throughout the world. For most families, Christmas involves an extensive amount of decorating, both indoors and outside. Many towns and neighborhoods hold lighting and decoration contests to see who can come up with the best seasonal decorative scheme for their home. There are many different...

Hedge funds

Hedge funds > Outdoor Christmas Decoration

Fast delivery flowers

by: Clinton Porter

Are you in a rush and looking to send flowers to celebrate a special occasion with a friend or family member? Or do you need to act quickly to respond to a bereavement overseas? Next and same dayflower delivery services offer the perfect solution for you - featured on selected online florist websites.

If you?re not sure what types of flowers to send, several ideas are listed below.

Flowers sent in sympathy...

Hedge funds An Investing/Insurance Alternative

Hedge funds > Fast delivery flowers

How To Find Fruit Basket Companies

by: Doug Mahopac

If you are in the market for a fruit basket, the next step is where to purchase the gift? Luckily today, fruit baskets are available through a wide range of shops, websites, and individuals who can ship these edible presents all over the world. In addition to purchasing a pre-made fruit basket from a professional or company, consider assembling the basket yourself to save some cash and personalize a basket especially...

Hedge funds An Investing/Insurance Alternative

Hedge funds > How To Find Fruit Basket Companies

Hedge funds An Investing/Insurance Alternative

Drive A Race Car For One Day

by: Cristian Andrei

Have you ever wanted to drive a real race car around a world famous racetrack? Have you ever wanted to experience the speed, the power, the rush? Well, all of this are now posible right next to you! How? Simple: racing courses and racing schools

What are offering this schools and courses?

First, of course Introduction to racing. Your adventure will begin with a short classroom and SkidCar session where...

Hedge funds

Hedge funds > Drive A Race Car For One Day