Sun Life Guaranteed Investment Funds (GIFs)

Sun Life Index ETFs & Sun Life ETF+ Portfolios - more ways to invest.

Sun Life Index ETFs and Sun Life ETF+ Portfolios¹ segregated funds

Markets are always evolving—interest rates rise and fall, credit conditions tighten and ease, and equities move through cycles of growth and correction. But through every shift, thoughtful investors can uncover opportunities to grow, protect, and diversify their portfolios.

Whether you’re looking to build a portfolio with individual index solutions or choosing a modern professionally managed portfolio of core mutual funds and passive ETFs, Sun Life Global Investments offers the solutions to help you diversify with confidence through our Sun Life GIFs.

Benefits of Sun Life Index ETFs & Sun Life ETF+ Portfolios in a segregated fund contract

Benefit	Why It Matters
Built-in protection	Maturity and death benefit guarantees help protect capital—even in down markets.
Diversified market exposure	Sun Life Index ETFs offer broad access to global markets, sectors, and asset classes in a single solution.
Estate planning advantages	Segregated fund contracts have the potential to bypass probate and allow for direct beneficiary designations, which may be ideal for legacy planning.
Potential creditor Protection	In many cases, segregated fund contracts can shield assets from creditors—especially useful for business owners and professionals.
Professional oversight	Sun Life ETF+ Portfolios are actively managed and rebalanced, helping investors stay on track through market cycles.
Risk management features	Segregated fund contract guarantees and the reset feature available with Sun GIF Solutions Estate Series and Sun Lifetime Advantage GIF help lock in gains over time and offer downside protection.
Flexible portfolio construction	Use as core holdings or satellite positions to tailor portfolios to goals and risk profiles.

¹Effective December 8, 2025, the Sun Life Tactical ETF portfolios were renamed the Sun Life ETF+ Portfolios, they adopted changes to their investment strategies to include exposure to physical commodities.

Broad market opportunities

Exposure to a much larger economic landscape

Flexible portfolio construction

Customized portfolio Framework with dynamic Allocation

Diversify beyond the traditional

Access to broader asset classes

Cost-efficiency

Competitively priced

Harnessing the protective features of segregated fund contracts

Investment in Sun Life Index ETF and Sun Life ETF+ Portfolio segregated funds provides built-in guarantees along with cost effectiveness and diversification. This combination allows clients to pursue long-term growth potential while staying confident through fluctuating marketing conditions.

Access broad index building blocks:

Flexible to tailor portfolios and dial up exposure in response to evolving market conditions
Portfolio design with long-term vision to construct diversified investment solutions aligned with goals and evolving life stages
Blended portfolio architecture that combines foundational holdings for broad exposure with targeted positions to enhance strategy or complement active mandates
Cost-effective access to broad market exposure through passive ETFs—ideal for core holdings or tactical tilts

Sun Life Index ETFs (Investment Series shown)

Sun Life Index ETFs are available in: Sun GIF Solutions Estate Series

Five investment solutions, that each invest in an underlying actively managed mutual fund structure to fit varying risk profiles. They blend the strength of core mutual funds and passive ETFs that track major indices with next-level opportunity. Benefit from innovation, simplicity, and cost efficiency, along with:

Active oversight and strategic asset allocation experience through our Multi-Asset Solutions Team
Access to private fixed income and gold, which can act as defensive allocations in stressed markets and may also offer an inflationary hedge²
Our unique in-house U.S. sector rotation strategy, to capitalize on market opportunities and capture evolving market leadership
Cost-efficient solution offering the protection and guarantees of a segregated fund contract

Sun Life ETF+ Portfolios (Investment Series shown)

Sun Life ETF+ Portfolios* are also available in: Sun GIF Solutions Estate Series, Sun Lifetime Advantage GIF and Sun Protect GIF**

*The full suite of Sun Life ETF+ Portfolios may not be available in all products. Please see the Funds-at-Glance for more information.
**Sun Product GIF is not available for new contract sales. Deposits can continue to be made into existing contracts.

²Exposure to private fixed income is achieved through investment in the SLC Management Private Fixed Income Plus fund. Indirect exposure to gold is achieved by investing in underlying ETFs that seek to replicate the performance of the price of gold bullion.

Anthony Wu, CFA Portfolio Manager Multi-Asset Solutions

Access Anthony Wu’s latest quarterly commentary on Sun Life ETF+ Portfolios

Why segregated funds?

Understanding Segregated Fund contracts

Learn more about Segregated Fund contracts and the unique benefits they can offer.

You can protect your car, you can protect your house, but are you protecting your investments? You can, using Sun Life segregated fund contracts also known as Guaranteed Investment Funds or GIFs.

When buying a Segregated Fund Contract, it's very similar to buying mutual funds in that you purchase into pools of assets that are professionally managed by world class asset managers. So, what are the differences between buying a mutual fund and buying a segregated fund contract?

Segregated fund contracts are sold through an insurance advisor. When you purchase a segregated fund contract, the assets held within comes with some additional benefits.

Like mutual funds, assets held in a segregated fund contract can provide you the opportunity for investment growth through a wide variety of investment options. Unlike mutual funds, they offer guarantees to help you to protect your investments against market downturns.

These guarantees can ensure that up to 100% of your original investment or the market value of your investment, whichever is greater, will pass to your loved ones upon your death. Depending on the product you purchase, those guarantees can range from 75% to 100%, and some can reset up to once a year, locking in market growth for your beneficiaries.

These guarantees can help provide the peace of mind that the money you set aside for loved ones is protected. As well, segregated fund contracts can offer you cost-effective and efficient estate planning opportunities, unlike some other types of investments as they allow you to specifically name a beneficiary or beneficiaries.

And when the time comes for those investments to be distributed to your beneficiaries, if you are concerned about simplicity, segregated fund contracts can help. They can offer speed, ease and privacy when assets are distributed.

By avoiding the probate process, the distribution of your assets can happen quickly, easily and privately, and can avoid some of the additional fees that come along with the probate process. Another benefit is the potential to protect your personal assets from any professional liabilities.

This can be appealing for small business owners or those who could be exposed to more financial risk through their occupation. And as far as investment options, most segregated fund contracts offer you very similar investment opportunities to traditional mutual funds.

Professionally managed assets picked from world class asset managers, giving you a wide breadth of funds and categories to choose from. If you think a segregated fund contract and the benefits they offer could be right for you, contact your advisor for more information or visit sunlifeglobalinvestments.com to learn more.