| Features |
Segregated Fund |
Mutual Fund |
| Professional portfolio management
|
Yes |
Yes |
| Collective pool of funds that investor pays into.
|
Yes |
Yes |
| Grow a portfolio while diversifying risk
|
Yes |
Yes |
| Easy access to your portfolio through daily price valuations |
Yes |
Yes |
| Guaranteed degree of protection against investment losses on maturity
|
75% - 100% of premiums paid (minus management and other related cost) |
N/A |
| Guaranteed degree of protection against investment losses on death
|
75% - 100% of premiums paid (minus management and other related cost) |
N/A |
| Estate preservation
|
Generally directly receives the greater of the guarantee death benefit or the market value of the client's share. |
The market value of the asset is subjected to estate-related processes, which may result in long waiting time before receiving payment. |
| Potential to benefit from market gains using resets
|
Yes |
N/A |
| Potential creditor protection in case of bankruptcy |
Yes |
N/A |
| Fees |
Higher, also including a management fee and an insurance fee component |
Lower |