SEGREGATED FUNDS AT THE CO-OPERATORS
A segregated fund is similar to a mutual
fund and is invested in equities, bonds
and other investments. The funds get
their name from the fact the assets in
these funds are segregated or held separate from the general
assets of The Co-operators. Your money is pooled with other
clients' money and invested by professional investment managers.
SUBJECT TO ANY APPLICABLE DEATH AND MATURITY GUARANTEE, ANY PART OF THE PREMIUM OR OTHER AMOUNT THAT IS ALLOCATED TO A SEGRAGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE ACCORDING TO FLUCTUATIONS IN THE MARKET VALUE OF THE ASSETS OF THE SEGRAGATED FUND.
The U.S. Growth Fund provides increased diversification through
exposure to industry sectors not always available in Canada using a growth
management style.
The Conservative Balanced Fund provides for portfolio diversification
using a conservative balanced fund approach.
The Aggressive Balanced Fund provides for portfolio diversification
using a more aggressive balanced fund approach.
The Canadian Fixed Income Fund is a portfolio of quality
Canadian debt securities and is intended for investors seeking
above average rates of return from the interest income and
capital appreciation provided by bonds and debentures.
The Canadian Equity Fund is for investors seeking above
average rates of return from the long term capital appreciation
and income provided by common stocks. It is a portfolio of
quality Canadian common stocks listed on prescribed stock
exchanges.
The Balanced Fund is for investors seeking above average rates
of return from a diversified portfolio of Canadian common
stocks, quality Canadian debt instruments and foreign equities.
The proportions invested are varied by the investment manager
based on expectation of risk and return. Bond investments
provide high interest income and safety of principal, while equity
investments offer the opportunity for long term capital
appreciation. This fund is 100% eligible as a Canadian investment
for RRSP purposes.
The U.S. Equity Fund is designed for investing in U.S. equities.
Investments are diversified through industry sectors and provide
exposure to economic themes that are not always available in
Canada.
The Money Market Fund is intended to provide high current income and
liquidity with the minimum amount of risk by investing in short term money
market instruments issued or guaranteed by the Government of Canada,
the provinces and high grade Canadian corporations and which are
denominated in Canadian dollars.
The U.S. Diversified Fund is for investors seeking above average rates of
return from a diversified portfolio made up primarily of U.S. securities. The
fund will always be a foreign property vehicle, but some Canadian dollar
securities may occasionally be held in the fund at the discretion of the
manager.
