Investment solutions for group plans
Discover our investment solutions designed for your employees. We make investing simple and offer investment options that reflect their values and needs.
2 investment approaches
Your employees can choose between 2 approaches based on their risk tolerance, preferences and level of investment knowledge.
Off-the-shelf approach
The off-the-shelf approach offers plan members a predefined or personalized portfolio, called a lifecycle path. A lifecycle path is a ready-made portfolio of investments tailored to the investor's risk tolerance.
As a plan sponsor, the lifecycle paths allow you to:
- Simplify and automate changes to investments
- Make sure that plan members' asset distribution is aligned with their investment horizon
- Help employees choose their investment instructions
Predefined lifecycle paths
We have 3 sets of predefined lifecycle paths designed by our investment experts to meet your plan members' needs:
- Progression path – Target retirement age
- Progression path – Target retirement date
- Desjardins Sustainable path – Target retirement date (made up of responsible investment funds)
We also offer 4 target date fund series that function like lifecycle paths and are managed by renowned external investment firms:
- BlackRock® LifePath® Index target retirement date funds
- Fidelity ClearPath® target retirement date funds (primarily active management)
- Fidelity ClearPath® Institutional target retirement date funds (active and passive management)
- Fidelity ClearPath® Index Plus Institutional target retirement date funds (primarily passive management)
Personalized lifecycle paths
We can also design personalized lifecycle paths based on your needs and preferences as a plan sponsor. You can choose the following features:
- Lifecycle type (based on age, number of years until retirement or target retirement date)
- Amount of time between asset allocation changes
- Risk profile
- Underlying investments
Do-it-yourself approach
For investors who know a bit about investing and want to take a more hands-on approach with their portfolio, we have a wide range of funds based on how involved you want to be.
Progression funds
Our 5 Progression 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.
Advantages of our Progression funds
- Automatically rebalanced on a periodic basis to ensure an optimal balance between long-term performance and risk
- Carefully monitored by our experienced teams on a regular basis
- Composed of a variety of pooled funds across many asset classes
- Correspond to each of our investor profiles: Secure, Moderate, Balanced, Growth and Aggressive
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 different management styles and asset classes.
A wide range of investments to meet all your needs
We've got a lot to offer when it comes to investment options: portfolios of funds, balanced funds, fixed-income funds, Canadian and foreign equity funds and specialty funds. It's up to you which funds you want in your group plan.
From these funds, employees can choose Canadian or foreign securities, active or passive management, and a growth or value management style.
Responsible investment: A Desjardins value
We're responsible investment pioneers in Canada. For more than 30 years, we've provided innovative investment solutions that have positive effects on society and the planet.
Our responsible investment approach considers environmental, social and governance (ESG) criteria while staying focused on financial returns.
Responsible investment solutions for your employees
We offer a turnkey target retirement date solution which couples our Desjardins Sustainable Funds with a well-researched and developed lifecycle path. Your employees can invest in a diversified investment portfolio composed entirely of responsible investment funds and adaptable to their retirement horizon.
We also offer 5 Desjardins Sustainable target risk funds and 5 à la carte funds.
Contact us
Setting up a plan
Montreal area:
1-800-363-3072 Phone number to set up a group retirement savings plan for the Montreal area. This link opens your phone app.
Quebec City area:
1-877-828-7800 Phone number to set up a group retirement savings plan for the Quebec City area. This link opens your phone app.
Help with an existing plan
Monday to Friday: 8 AM to 8 PM
1-888-510-4762 Phone number for customer service for group retirement savings. This link opens your phone app.