06
Feb
Funds offer investor protections in some products, but you should evaluate segregated funds, review firm compensation schemes for conflicts of interest and spot red-flag corporate structures like shell companies or layered ownership. Check for hidden fees, inadequate disclosure and excessive sales incentives, and prioritize firms with transparent compensation and robust guarantees so your capital and trust are protected.Understanding Segregated Funds Definition and Characteristics Segregated funds are insurance contracts that wrap pooled investment portfolios inside an insurance company vehicle, combining mutual-fund-style exposure with contractual guarantees - commonly a 75% or 100% guarantee at death or at a specified maturity (often 10…