Registered Investment Account (RIA)

‍The RIA is an investment product, in the form of an annuity contract, similar to a segregated fund contract, except that the premiums are deposited and kept in the Assumption Life’s general account. The return on investment mirrors the return made by the reference funds or strategy selected by the client. This allows us to offer highly competitive management fees.

• Lower MERs - similar to mutual funds.
• 75/75 and 75/100 garanties.
• Pre-packaged solutions available - Target date funds and portfolios.
• Can only be offered and sold by licensed insurance advisors in Canada.
  
• Available for FHSA, RRSP, RRIF, LIF, LIRA, and TFSA.
  

Portfolios & Target Date Funds

For the busy investor who needs one less thing to think about. Our pre-packaged investment options offer a low-maintenance approach to investing. Fill out our investment strategy guide to help you choose the portfolio or target date fund that best suits your client's needs and our expert fund managers will take care of the investment strategy.

• Accessibility: The initial investment begins at only $500 or a pre-authorized contribution of $25.
• Peace of mind with guarantees: With maturity and death benefit guarantees, you can rest assured your assets will have a degree of protection.
• The potential for fee reductions: Individuals who have $50,000 or more in assets in an account will automatically benefit from fee reductions up to 0.10%!
• Available with Vesta or paper application.

Traditional & Select Portfolios

Simply choose the portfolio that best suits the clients risk tolerance and our expert portfolio manager, Louisbourg Investments, will take care of the fund selection and will implement the investment strategy.

• 5 Select portfolios - these funds have a more global approach and include more passive investments through the use of exchange traded funds (ETFs).
• 4 traditional portfolios - these funds are focused on Canadian markets and active management.
• Segregated Funds and Registered Investment Accounts are available.
• Available with Vesta or paper application.

SmartSeries

SmartSeries follow a glide path that adjusts the underlying mix of investments and risk over time. The fund’s investment allocation becomes more conservative over time, thereby minimizing risk as your target date approaches.

• Professionally managed portfolios, offering a hassle-free investment with excellent diversification.
• Low maintenance - as the funds are constantly monitored by our team to ensure optimal performance.
• 9 funds to choose from - Income, 2020, 2025, 2030, 2035, 2040, 2045, 2050 and 2055.
• Well diversified - multi-manager, multi-asset class, and active and passively managed.
• Available with Vesta or paper application.