Growth investor strategy:

Jason's story

Story summary:

Jason is a CSS member in his early 50s. He thinks he may need to de-risk his investments soon, but he wants to get some growth while he still can.

Planning strategies in this story:

Determining your risk tolerance


Choosing the right funds

Speaking to a Retirement and Pension Advisor


Jason is 53 and plans to retire at 62 at the earliest.  

“I’ve been pretty fortunate with my personal investments, even though some of them have been pretty risky,” says Jason. “I’m planning to use my pension funds for Variable Benefit (VB) paymentswhen I retire.

Lately, I’ve been thinking that maybe I should be moving at least some of my pension funds into lower-risk investments. When I looked at the Money Market and Bond Funds, it seemed like a good opportunity to do just that. 

Jason's risk profile

Ability to Take Risks




Time Horizon

Investment Knowledge

Other Assets/Income Sources

Willingness to Take Risks




Willingness to Accept Short Term Losses

Panics over negative returns

Although retirement at 55 is quite appealing, I don’t think I’ll be retiring before I’m 62 at the earliest.

I’m particularly interested in growing my Plan assets to increase my likelihood of reaching my retirement savings goal by 62. Also, at my age, I think I should probably be reducing the risk in my investments - I am currently invested mostly in the Equity Fund,” he revealed.

However, when I utilized the online Risk Tolerance Estimator tool on the CSS website, the result suggested that I’m a growth investor and that I should consider an asset mix of 80% Balanced Fund and 20% Equity Fund. Not what I was expecting,” added Jason.

He discussed this result with his wife, Jessica, and together they met with a CSS Retirement and Pension Advisor to discuss Jason’s pension plan investments and the couple’s retirement plans.


Suggested Asset Mix

The Risk Tolerance Estimator suggests a combination of CSS funds (80% Balanced Fund and 20% Equity Fund) that should suit Jason based on his investor profile.

Did you know that CSS offers

Complimentary retirement planning consultation to our members?

The Retirement and Pension Advisor worked with Jason and Jessica to help them understand that their investment horizon was still long, as it included about nine more years of Jason working. And, Jason’s responses to the questions in the Risk Tolerance Estimator revealed that investment growth was important to him to be able to reach his retirement income goals, and that he was willing and able to bear investment risk in pursuit of higher investment returns.

“When we really thought about it, nine years is a pretty long time to have the bulk of my retirement savings invested in funds with a lower risk/return profile, especially since I’m still a little way away from my retirement savings goal. I may consider allocating some of my pension funds to the Plan’s lower-risk funds again when I’m closer to my retirement age, maybe when I’m 58, but for now, 80% in the Balanced Fund and 20% in the Equity Fund provides me with the potential for growth I’m looking for at a level of risk that I can manage. It turns out the result of the Risk Tolerance Estimator was appropriate for me after all,” Jason concluded.

Investment Funds

The CSS Pension Plan offers four investment funds - the Balanced Fund, Equity Fund, Bond Fund and Money Market Fund.