Investment accounts Diversified ready-made investment accounts
Tap into reference funds that rank among the top performers in Canada.1
Return
Up to 15.19%2
Risk
Variable
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With over 40 ready-made investment accounts, you can choose your unique gateway to the stock market, without the hassle of day-to-day management.
How? These accounts comprise funds and portfolios which are themselves made up of a variety of market indices, mutual funds or mutual fund portfolios.
Beneva, a smart investment
Two levels of guarantees, two ways to protect your capital
The 75/100 guarantee offers portfolio diversification to maximize returns. It meets all investment objectives and carries no fees. Our enhanced guarantee takes it further with several advantages at a competitive price, including annual death benefit resets.
| 75/100 guarantee | |
|---|---|
Guaranteed death benefit | 100% of amounts invested up to age 75, plus 75% of amounts invested as of age 75 |
Death benefit reset | Excluded |
Maturity date | Age 100 |
Guaranteed maturity benefit | 75% of the amounts invested |
Maturity benefit resets | Excluded |
| 75/100 enhanced guarantee | |
|---|---|
Guaranteed death benefit | 100% of amounts invested up to age 80, plus 75% of amounts invested as of age 80 |
Death benefit reset | Automatic resets every year up to age 80 |
Maturity date | Age 100 |
Guaranteed maturity benefit | 75% of the amounts invested |
Maturity benefit resets | Excluded |
| 75/100 guarantee | 75/100 enhanced guarantee | |
|---|---|---|
Guaranteed death benefit | 100% of amounts invested up to age 75, plus 75% of amounts invested as of age 75 | 100% of amounts invested up to age 80, plus 75% of amounts invested as of age 80 |
Death benefit reset | Excluded | Automatic resets every year up to age 80 |
Maturity date | Age 100 | Age 100 |
Guaranteed maturity benefit | 75% of the amounts invested | 75% of the amounts invested |
Maturity benefit resets | Excluded | Excluded |
Which plan is right for my investments?
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1. According to 2023 FundGrade A+® Awards and 2023 Refinitiv Lipper Fund Awards.
2. Best 5-year annualized rate of return as of July 31, 2025.
3. Specific protection for each account category. There are three categories: non-registered accounts, registered accounts (RRSPs, LIRAs, RRIFs and LIFs) and TFSAs.
4. On behalf of Beneva Inc., Financial services firm and its authorized partners.
If interest rates published on this site differ from those in the official list from Beneva Inc., the official list published by Beneva Inc. shall prevail. Interest rates are subject to change at any time without notice.