My Writing > Segregation From Your Money

15 Aug 2008


About 17 years ago, I attended a CGA, BC-sponsored retirement planning seminar. Alternative methods of employing your money to earn an income in retirement were presented, including something hereafter called “seg funds”. Last month, out of about 120 CGAs (Certified General Accountants) in Vancouver, it was interesting to note that very few had any idea what a seg fund was, just like 17 years ago.

Seg funds are insurance products. I do have clients that own these products. Clients are usually unhappy because the MER (Management Expense Ratio) on the seg funds is much higher than “regular” funds. They complain that they really don’t understand what they own. I distrust this product also because ... 



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Originally published August 2008 by Canadian MoneySaver -


Eileen Reppenhagen, Certified QuickBooks ProAdvisor, and Honorary Member of the Institute of Professional Bookkeepers of Canada, writes and speaks about accounting and tax.  She is a regular contributor to Canadian MoneySaver, The TaxLetter and Intuit Canada’s Advisor Advantage.  

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