Guaranteed investment funds under the Helios2 Contract
Make it easier to reach your savings goals with our wide range of investment options, and protect what’s important to you. Book an appointment with a financial security advisor to purchase a Helios2 contract.
What is a guaranteed investment fund?
A guaranteed investment fund (GIF), also called a segregated fund, is a type of investment offered by a life insurance company. It comes with different protection options against market downturns and offers growth potential.
Why choose guaranteed investment funds under the Helios2 contract?
Protection against market downturns
Depending on the guarantee you choose, you get full or partial protection from market downturns, and your investment can grow during upturns.
Make it easier for your loved ones after you’re gone
In the event of your death, your beneficiaries will promptly be paid a death benefit outside of the regular estate settlement process. This is done confidentially and at no extra cost.
Protection from inflation
Certain protection options include an annual adjustment, so that increases in the cost of living don’t lower the amount of the guaranteed minimum death benefit.
Creditor protection
Your investment may be exempt from seizures in case of bankruptcy or lawsuits.
Are guaranteed investment funds right for you?
Guaranteed investment funds are a good option if you don’t plan on withdrawing the money you invest before the contract matures, and if you’re willing to pay higher management fees for guarantees that reduce risk.
Protection options under Helios2
Learn more about our 3 guarantees and see which one is best for you.
| Helios2 – | Helios2 – | Helios2 – |
|---|---|---|---|
Ideal if you want to | Protect your savings at an affordable price and tap into market growth potential. | Maximize and protect your estate. | Get comprehensive protection without having to compromise on your goals and grow your wealth. |
Minimum guaranteed maturity benefit: minimum percentage of your investment you’re guaranteed when the contract matures | 75% | 75% | 100% of first-year deposits |
Minimum guaranteed death benefit: minimum percentage of your investment your beneficiaries are guaranteed in the event of your death | 75% | 100% | 100% |
Protection against inflation: the minimum guaranteed death benefit is adjusted each year | No | Yes | Yes |
With the Helios2 – 75/75 and Helios2 – 75/100 i guarantees, you receive the minimum guaranteed maturity benefit at age 105. With the Helios2 – 100/100 i guarantee, you can also get this benefit after any 15-year period.
Eligible savings plans and accounts
GIFs can be held in non-registered savings plans, and in the following registered savings plans: TFSA, RRSP, RRIF, LIF and LIRA.
Deposits and withdrawals
You can make deposits and withdrawals at any time during the contract’s term. However, withdrawing funds will lower your minimum guaranteed benefits. Withdrawals may also have tax implications.
Investment options
Our investment options available under the Helios2 contract help you tap into potential market growth and boost your savings. You can count on our financial security advisors to guide you toward the right solutions for your goals.
Responsible investment portfolios
Are you interested in investing in companies with good environmental, social and governance (ESG) practices? Our responsible investment portfolios combine good potential returns with positive impacts on the environment and communities.
Investment solutions
We offer one-step solutions for your financial needs. Access a variety of funds with complementary management strategies, spread across multiple asset classes and automatically rebalanced every 6 months.
Wise ETF portfolios
Get exchange-traded funds as part of an innovative investment solution. Choose the best portfolio from our 6 options for your goals, investor profile and risk tolerance.
Individual funds
Would you rather choose your investments and how they’re allocated? Explore our diversified individual funds and tailor your investments to your financial goals.
Learn more about our investment options
See our fund pages, rates and performance and leaflet for more information on Helios2 contract investment options (PDF, 534 KB).
FAQ
When can I purchase a contract?
You can purchase a Helios2 contract at the age of majority in your home province or territory.
What are the fees for guaranteed investment funds?
The fees vary based on the guarantee, series and funds you choose. To learn more about fees, see the Helios2 Contract and Information Folder (PDF, 1.83 MB).
Are there fees for withdrawals before the contract matures?
There are no withdrawal fees, regardless of when or how much money you withdraw.
However, you might be charged fees for frequent or short-term transactions.
To learn more about withdrawal terms for guaranteed investment funds, see the Helios2 Contract and Information Folder (PDF, 1.83 MB).
Where can I see how my guaranteed investment funds are performing?
You can see how your GIFs are performing on the Unit prices and performance page.
How does the inflation protection feature work?
Inflation is a general increase in prices and the cost of living. As inflation increases, the value of your money decreases. Inflation protection maintains your purchasing power. The minimum guaranteed death benefit is adjusted every year in line with inflation, up to 5% per year and until the annuitant turns 75.
To learn more about inflation protection, which comes with the Helios2 – 75/100 i and Helios2 – 100/100 i guarantee options, see the Helios2 Contract and Information Folder (PDF, 1.83 MB).
What is the difference between guaranteed investment funds and mutual funds?
Only insurance companies offer guaranteed investment funds. GIFs are similar to mutual funds, but come with guarantees that protect your investment from potential losses. Depending on the guarantee you choose, 75% to 100% of your investment is insured until maturity or you die. GIFs generally have higher management fees than mutual funds because of this protection.
Book an appointment to purchase a Helios2 contract
Our financial security advisors are here to help assess your needs and come up with the right solution for you.
By phone
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Additional information
Financial reports
Fund Facts
Fund Facts – Helios2
Fund Facts – Helios, Millennia III and Imperial Growth Funds
Helios Fund Facts – Series 5 – November 2024 (PDF, 3.26 MB)
Millennia III New Era Fund Facts – Series 3 – November 2024 (PDF, 1.88 MB)
Millennia III Classic Fund Facts – Series 3 – November 2024 (PDF, 1.18 MB)
Millennia III Fund Facts – Series 1 – November 2024 (PDF, 554 KB)
Imperial Growth Plan Fund Facts – Series IGP – November 2024 (PDF, 1.12 MB)