Important information on guaranteed investment funds is found in the Information Folder provided by the insurance company issuing the contract. Past performance is no guarantee of future returns. All investments are held directly in client name with the insurance company. Investmenting in guaranteed investment funds does have risk as investments fluctuate in value. Guarantees mentioned and provided only relate to investments held until maturity or death. Guaranteed Investments and GuaranteedInvestments.com is not a company. Vladimir Trkulja is an independent advisor that promotes his services and products offered available through Guaranteed Investments and GuaranteedInvesmtents.com. Advice and recommendations on individual securities and mutual funds is not available. Investment products and Insurance products are only made available to residents of Ontario. Guaranteed Investment Funds are also known as Segregated Funds. Management expense ratios exist for all products. Complete information is found in the Information Folder.