The CSS Pension Plan offers four investment funds - the Balanced Fund, Equity Fund, Bond Fund and Money Market Fund.
Using any or all of the four funds, you have the option to set an investment mix appropriate to your own goals and circumstances, and according to your own risk tolerance and investment comfort.
Canadian Equities
International & EM Equities
U.S. Equities
Global Bonds
Canadian Bonds
Commercial Mortgages
Short Term Liquidity
Real Assets
The Balanced Fund is the CSS Pension Plan's default investment fund.
The primary purpose of the Balanced Fund is to provide moderate long-term growth with managed volatility.
Consider investing:
If you consider yourself to be medium to long-term investor
If you wish to take advantage of the fund's professional management, broad diversification and automatic rebalancing
If you are seeking diversified exposure to global equities, fixed income and alternatives
MER - 0.66%
Canadian Equities
U.S. Equities
International & EM Equities
Short Term Liquidity
The Equity Fund is invested 100% in equities (or stocks).
The primary purpose of the Equity Fund is to offer members access to a medium to high level of investment risk.
Consider investing:
If you are a medium to high risk investor
If you are looking to improve long-term returns by taking on more investment risk in order to have the opportunity to earn higher average returns
If you have a longer term investment horizon ex: early-career stage, provided you can tolerate the additional volatility
MER - 0.46%
Canadian Bonds
Global Bonds
Emerging Market Debt
Private Commercial Mortgages
Short Term Liquidity
The primary purpose of the Bond Fund is to offer members access to a lower risk/return strategy.
Consider investing:
If you are a low risk/return investor
If you wish to reduce your risk of short-term losses as you approach retirement
If you are willing to accept a lower average return, knowing that higher contributions may be required or that retirement may have to be delayed
If you are approaching retirement and want to reduce the overall risk of your retirement portfolio where appropriate
MER - 0.57%
Corporate
Cash & Equivalents
Federal
The Money Market Fund is invested in one asset class, Canadian short-term investments.
The primary purpose of the Money Market Fund is to preserve capital.
Consider investing:
If you are a short-term investor
If you can use the fund to reduce risk
If you expect to "exit the markets" when you retire
If you wish to create a spending reserve from which to draw income when you retire
MER - 0.21%
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