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IAG Savings and Retirement Plan
The IAG Savings and Retirement Plan offers all the flexibility and performance of our investment guarantees. You’ll enjoy an integrated savings plan that addresses all your goals: investments, savings for special projects, retirement savings, retirement income, and wealth protection upon your passing.
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Who should consider the IAG Savings and Retirement Plan? |
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People with employment income who wish to build savings |
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People looking to secure their capital and for high growth potential
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People who would like a guaranteed retirement income
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What investments are available? |
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Life Investment |
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The Life investment, an Industrial Alliance exclusive, is the equivalent of a single premium annuity and is only available as a RRIF. |
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Segregated Funds |
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The IAG Savings and Retirement Plan is made up of three series of segregated funds, each with its own guarantees and fund selection. |
These three investment options are available in a single contract, providing all the flexibility you’ll need as your objectives evolve and you move through life.
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Classic Series |
The Classic Series is particularly well suited to investors who are still a ways from retirement. It encourages long term savings and provides terrific flexibility when it comes to making contributions, withdrawals, and transfers between funds. What’s more, investors receive savings protection at a low cost.
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Ecoflex Series |
The Ecoflex Series lets you protect the amounts generated by your investments thanks to a reset of the guaranteed minimum value at your maturity date and of the guaranteed minimum value at death. You can request up to four resets per year up until 15 years before the maturity date of the guarantee. After this date, the minimum guaranteed value at death can be reset once per year until December 31 of the year of your 80th birthday.
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Ecoflextra Series |
The Ecoflextra Series is ideal for people seeking security, growth, and diversification for their retirement savings portfolio. It lets you plan your retirement with confidence knowing your retirement income is not only guaranteed, but possibly growing too, without being affected by market fluctuations.
Ecoflextra Series segregated funds boast their own unique profile and advantages:
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Guaranteed deposits, applicable in case of death and upon maturity |
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Potential for growing your future income, as you will receive a 5% bonus for each year you do not make a surrender
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A guaranteed income for life beginning at age 55, so you can enjoy your retirement and peace of mind
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The option of protecting amounts generated by your investments in excess of the deposits made thanks to an automatic reset made every three years to your guaranteed value at death, up until your 80th birthday
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Segregated Fund Profiles and Advantages |
Segregated funds are offered only by insurance companies. They are similar to mutual funds in that they provide access to investments managed by professional fund management firms, thereby offering a wide selection of investment choices.
Segregated funds offer certain advantages that distinguish them from mutual funds, such as a guarantee on capital, a guarantee protecting your savings against potential creditors, and a guarantee of the inheritance value upon death (with no probate fees).
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Fund Performance |
The IAG Savings and Retirement Plan Investment Fund
For more information:
Ecoflextra in brief (PDF - 526 KB)
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