GIF Select InvestmentPlus
Featuring segregated funds and Guaranteed Interest Accounts. GIF Select InvestmentPlus is an attractively priced wealth-building and wealth-preservation solution with potential creditor protection and estate planning advantages.
Manulife's GIF Select InvestmentPlus contract gives investors access to segregated funds, which have wealth-building potential, a wide range of options and competitive management expense ratios (MERs), and Guaranteed Interest Accounts (GIAs) offering the security of competitive guaranteed interest rates. Both options offer access to attractive estate planning features.
Comprehensive selection of segregated funds
Choose from carefully selected funds and portfolios in various asset categories from fixed income to specialty equity. Learn more about asset allocation portfolios and global thematic investing options.
Choice and simplicity
Choose between two types of investment options. Holding both options in one contract makes administration easier and allows for consolidated client reporting.
- Segregated funds: Choose from carefully selected funds and portfolios in various asset categories, from fixed income to special equity. Get more fund information.
- Guaranteed Interest Accounts (GIAs) and the Daily Interest Account (DIA): With no exposure to the markets, GIAs and the DIA can safeguard your investment with guaranteed interest rates. Select from a range of terms to meet your needs. Get more details about GIAs.
Flexibility
Access your segregated fund, GIA or DIA savings any time.
Investors can easily move from the 75/75 to 75/100 series or between segregated funds and GIA and DIA investments—a useful feature as financial needs change and /or during periods of volatility.¹ GIA and DIA investors enjoy early cashing privileges to access their money for an emergency or other investment opportunities, subject to possible surrender charges (refer to the Information Folder and Contract for details on surrender charges).
Guarantees and fees
- Maturity guarantee: On the contract maturity date, investors are guaranteed to receive 75% of all deposits made to segregated funds, even after market downturns. Guarantees are reduced proportionally for withdrawals and transfers to other investment options.
- Death benefit guarantee (DBG): At the time of death of the last surviving annuitant, beneficiaries or the estate is guaranteed to receive the greater of the market value of the segregated funds or the death benefit guarantee. Guarantees are reduced proportionally for withdrawals and transfers to other investment options. Depending on the series chosen, the DBG will be 75% or 100% of all deposits made to funds. InvestmentPlus 75/100 offers automatic annual resets of the DBG to the market value, if higher, every series anniversary date. The last DBG reset occurs on the series anniversary date before the annuitant's 80th birthday.
- No fee outside of the fund MER.
Estate planning benefits
At death, contract proceeds can pass quickly and privately² to designated beneficiaries (other than an estate), without legal, estate administration, and probate³ fees. Find out more about estate planning advantages.
Potential creditor protection⁴
This feature may be attractive to professionals and small business owners interested in protecting personal assets from creditors.
Important disclosure
1 Moving across sales charge options may incur charges. Withdrawals, fund switches, and/or transfers between investment options may be subject to fees and charges, result in tax consequences, and impact segregated fund guarantees.
2 In Saskatchewan, jointly held property and insurance policies with a named beneficiary are included on the application for probate despite the fact that these assets do not flow through the estate and are not subject to probate fees.
3 The probate process and fees do not apply in Quebec. There is a verification process for non-notarial wills but not for notarial wills.
4 There are important limitations with respect to this protection and this summary does not include all possible considerations. You should consult your tax or legal advisor about your individual circumstances.
Explore the investment options
Explore our segregated funds
Explore our GIA rates
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