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 predefined or personalized target date paths.
As a plan sponsor, the target date 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 target date paths
Our solutions are designed by our investment experts to meet your plan members' needs:
- Progression target date funds
- Desjardins Sustainable target date path (made up of responsible investment funds)
We also offer 4 target date fund series that 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 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 Progression target-risk funds and à la carte funds.
Progression target-risk funds
Our Progression target-risk funds are investment solutions designed for people who have some degree of investment knowledge but would still prefer to rely on the expertise of our dedicated team to select their funds.
Advantages of our Progression target-risk 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 this lineup of Canadian and foreign equity funds, employees can choose an active or passive management approach and a growth or value management style.
Responsible investment solutions for your employees
We offer a turnkey target retirement date solution built with our Desjardins Sustainable Funds. 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, some of which are specifically designed to promote sustainable development or address environmental issues.
Call business customer service
Already have a Desjardins group plan for your business? Call us for answers to your questions.