logo logo

                              la

Savings and Investments

Guarantee Options

Death Benefit Gurantee 

Maturity Benefit Guarantee

100% of Contributions made up to    Age 75  

No Maturity Benefit Guarantee

 

Agent's Guide

Fund Facts 

 pdf

La Capital Segregated Funds offer some of the lowest MERs in the industry. You get all the benefits of a segregated fund without the high MERs associated with traditional segregated fund. These no frills segregated funds provide the potential for higher returns and long term growth by keeping their fees low. The death benefit guarantee is included in the management fees below at no additional cost. 

La Capital Segregated Funds are suitable for investors that want potential creditor protection without the high costs to provide this valuable benefit. They are also ideal for seniors that want the security of a death benefit guarantee and would like the estate planning benefit of bypassing costly Ontario estate administration tax (formarly called probate fees).

World Class Portfolio Managers 

Fixed Income

Market Index or Underlying Fund

Management Fees 1

MER of Underlying Fund 2

Canadian Bond Index

DEX Universe Bond Index 3

1.75%

0%

Canadian Fixed Income (AGF)

AGF Fixed Income Plus Fund, 4 MF Series

0%

1.92%

Balanced

Underlying Fund

Management Fees 1, 3

MER of Underlying Fund 2

Canadian Balanced (Dynamic)

Dynamic Value Balanced Fund, Series A

0%

2.41%

Canadian Balanced (Fidelity)

Fidelity Canadian Balanced Fund, Series A

0%

2.27%

Global Balanced (AGF)

AGF World Balanced Fund, MF Series

0%

2.59%

Diversified Income (Fidelity)

Fidelity Monthly Income Fund, Series A

0%

2.29%

Diversified Income (Dynamic)

Dynamic Strategic Yield Fund, Series A

0%

2.28%

Canadian Equity

Market Index or Underlying Fund

Management Fees 1

MER of Underlying Fund 2

Canadian Equity Index

S&P/TSX 60, 5 Canadian Index

1.85%

0%

Canadian Dividend (AGF)

AGF Dividend Income Fund, MF Series

0%

2.17%

Canadian Dividend (Fidelity)

Fidelity Dividend Fund, Series A

0%

2.32%

Canadian Equity Income (Dynamic)

Dynamic Equity Income Fund, Series A

0%

2.17%

Canadian Equity (Fidelity)

Fidelity Canadian Disciplined Equity Fund, Series A

0%

2.50%

Small Capitalization Canadian Equity (Dynamic)

Dynamic Small Business Fund, Series A

0%

2.75%

Low Volatility Canadian Equity (TDAM)

TD Emerald Low Volatility Canadian Equity PFT 6

2.40%

0%

U.S. and International Equity

Market Index or Underlying Fund

Management Fees 1

MER of Underlying Fund 2

American Equity Index

S&P 500, 5 American Index

1.85%

0%

International Equity Index

MSCI EAFE, 7 International Index

2.30%

0%

American Equity (Dynamic)

Dynamic American Value Fund, Series A

0%

2.45%

Global Equity (Dynamic)

Dynamic Global Value Fund, Series A

0%

2.46%

Global Equity – Discovery (Dynamic)

Dynamic Global Discovery Fund, Series A

0%

2.76%

Low Volatility Global Equity (TDAM)

TD Emerald Low Volatility All World Equity PFT 6

2.50%

0%

Emerging Markets (AGF)

AGF Emerging Markets Fund, MF Series

0%

3.07%

Portfolio

Underlying Portfolio

Management Fees1

MER of Underlying Fund2

Conservative Profile (NBSI)

Meritage Conservative Income Portfolio, Advisor Series

0%

2.10% 

Moderate Profile (NBSI)

Meritage Moderate Income Portfolio, Advisor Series

0%

2.19% 

Balanced Profile (NBSI)

Meritage Balanced Income Portfolio, Advisor Series

0%

2.38%

Growth Profile (NBSI)

Meritage Growth Income Portfolio, Advisor Series

0%

2.47%

Aggressive Profile (NBSI)

Meritage Equity Income Portfolio, Advisor Series

0%

2.73%

Available for the following Account Types:

Ontario - TFSA, RRSP, Spousal RRSP, RRIF, LIRA, LRIF, LIF, LRSP

1. Management fees charged by the insurer are not guaranteed.

2. Represents management expense ratio of underlying fund.

3. This index was formerly named the Scotia Capital Universe Bond Index, a trademark of the Bank of Nova Scotia.

4. Formerly, Acuity Fixed Income Fund

5. “Standard & Poor’sTM”, “S&PTM”, “S&P 500TM” “Standard & Poor’s 500” and “500” are trademarks of Standard and Poor’s. “TSX” is a trademark of The Toronto Stock Exchange. These marks have been licensed for use by La Capitale Civil Service Insurer Inc. and its affiliates. These investment accounts are not sponsored, endorsed, sold or promoted by Standard & Poor’s or The Toronto Stock Exchange and neither party makes any representation, warranty, or condition regarding the advisabilityof investing in these investment accounts.

6. Pooled fund trust

7. The investment account referred to herein is not sponsored, endorsed, sold or promoted by MSCITM, and MSCITM bears no liability with respect to the account or any index on which the investment account is based. The investment certificate contains a more detailed description of the limited relationship MSCITM has with La Capitale Civil Service Insurer Inc., its affiliates and this account.

 

La Capitale Insurance and Financial Services Inc. is the sole issuer of the individual variable annuity contract.

A description of the key features of the individual variable annuity contract is contained in the La Capitale Insurance and Financial Services Inc. variable annuity contract. SUBJECT TO ANY APPLICABLE DEATH GUARANTEE, ANY PART OF THE PREMIUM OR OTHER AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE POLICYHOLDER AND MAY INCREASE ACCORDING TO FLUCTUATIONS IN THE MARKET VALUE OF THE ASSETS OF THE SEGREGATED FUND.

La Capitale is a trademark of La Capitale Insurance and Financial Services Inc. La Capitale logo are trademarks of La Capitale Insurance and Financial Services Inc. and are used under license.

This information is provided to you from the La Capitale website, brochures, marketing material and Agent's Guide Fund Facts  and Annuity Contract documents. While every effort is taken to ensure that all the information is accurate and up-to-date, in case of discrepancies between the content on the La Capitale website, brochures, marketing material and Agent's Guide Fund Facts and Annuity Contract Documents and the content published on this website, the original information on the La Capitale Insurance and Financial Services Inc. website, brochures, marketing material and Agent's Guide Fund Facts and Annuity Contract Documents shall prevail.





Please provide your contact information a Financial Advisor will contact you.



GMS

Guaranteed Investment Funds


     

Copyright © 2019 Stone-Hedge Financial Group Inc. All rights reserved.
All material on this website (unless otherwise noted) is the property of Stone-Hedge Financial Group Inc. and/or subsidiaries
and is protected by Canadian and International copyright laws.