Bâtirente funds

All Bâtirente funds are accessible to labour unions and organizations wishing to invest their assets. Bâtirente uses a number of specialized management companies, most of them in Québec, to manage its funds. The choice of these firms focuses on long-term results, but also on taking into account financial and extrafinancial risks, including environmental, social and governance (ESG) factors, in the investment process or by targeted investments for their positive social impact.

Deciding where to invest is one of the most important steps in planning for retirement. When choosing your investments, don’t put all your eggs in one basket. Diversify your investments and consider risk versus reward (or return).

Answer three simple questions to determine which choice is best for you:

  1. Do you have the time necessary to understand your investment options, as well as monitor those options?
  2. Do you have a good understanding of investment principles, asset classes and associated risks?
  3. Would you like to create an investment strategy that is specific to your needs?

If you answered “No” to at least one of the three questions, the Trajectory lifecycle path may be your best choice for a simple, hassle-free approach.

TRAJECTORY, A LIFECYCLE PATH

This is your simplest option. Your portfolio will match your age and investment horizon at all times. This strategy was designed by experts to provide you with optimal long-term returns based on the number of years to your retirement. Trajectory: peace of mind that pays!

HOW DOES IT WORK?

You’ll be assigned a starter portfolio that matches your investor profile and based on your age. Your portfolio composition will change automatically over time and will become increasingly conservative as you approach retirement.

  • Trajectory Secure Path
  • Trajectory Balanced Path
  • Trajectory Growth Path

WHAT ARE THE TRAJECTORY INVESTMENT OPTIONS?

Over time, Trajectory combines two out of the five Bâtirente Diversified Funds. These are excellent vehicles for long-term retirement capital investment. As shown in the table on the next page, they are distributed over a variety of securities from all over the world and belong to many different asset categories to ensure good diversification.

TWO WAYS TO CHOOSE THE TRAJECTORY OPTION:

  1. Access your online account via the  button
  2. Contact the Member Services Centre at 1 800 463-6984, Monday to Friday, 8 a.m. to 8 p.m.

Please note that if you choose any Trajectory lifecycle path, it will apply to all your Bâtirente group plans.

DIVERSIFIED FUNDS

There is a Bâtirente Diversified Fund for every investor profile. However, your investor profile is going to change over time. This means that if you choose a diversified fund as your investment option, you’ll need to make sure to fill out the Investor profile  questionnaire at least once every two years to see if the selected fund still suits you.

Bâtirente diversified funds

COMBINATION OF FUNDS
You can create your own combination of Bâtirente Funds if you have the skills required to do so or if you get help from a personal advisor to build and monitor your portfolio.

Fixed income securities

Equity

Redeemable guaranteed funds

  • 5-year Guaranteed Fund
  • 3-year Guaranteed Fund
  • 1-year Guaranteed Fund
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