Instead of Mutual Funds, you can also consider investment in Segregated Funds which provide 75%/75%, 75%/100%, or 100%/100% maturity and death gurantees.  The current economic uncertainty makes investment in segregated funds very attractive due to their guarantee of investment capital.  I will be happy to provide you with more information with no obligation.  Email:  
Universal-life@live.com  Email in Chinese welcome.