Investment options

A Lifecycle Path is a ready-made portfolio of investments tailored to the investor’s risk tolerance. It automatically adjusts itself based on their age and investment horizon.

The objective of a Lifecycle Path is to:

• make investment decisions easier
• increase the likelihood that each plan member will reach their retirement goal
• allow employers to customize the solution based on their needs

Option 1: Standard Lifecycle Path

Our standard Lifecycle Path assigns a starter portfolio to every plan member based on their estimated retirement age and their risk tolerance.

• The portfolio is composed of one of our five multi-management funds
• The asset allocation adjusts itself over time to gradually become more conservative as the retirement date approaches

Option 2: Customized Lifecycle Path

We can design a customized Lifecycle Path based on a variety of factors:

• plan member age, retirement age or number of years before retirement
• Different investor profiles
• The number and duration of intervals
• The makeup of the underlying investment portfolios

If you’re interested in customizing your Lifecycle Paths, take a look at the range of investment options we offer.

For investors who know a lot about investing and want to take a more hands-on approach with their portfolio, we have a wide range of multi-management funds and à la carte funds to choose from.

Fund portfolio

Our five multi-management funds are investment solutions designed for people who have some degree of investment knowledge but would still prefer to leave their fund selection up to our team of experts.

• The funds are automatically rebalanced every quarter to ensure an optimal balance between long-term performance and risk.
• They’re made up of a variety of mutual funds across a diversity of asset classes and are carefully monitored by our experts on a regular basis.
• We have funds corresponding to each of our investor profiles: Secure, Moderate, Balanced, Growth and Aggressive.

For more details about our multi-management funds, take a look at our range of investment options.

À la carte funds

Some of your employees may want to design their own combination of funds. They can take advantage of our wide range of investment options covering a variety of management styles and asset classes.