[et_pb_section fb_built=”1″ disabled_on=”off|off|off” _builder_version=”3.19.3″ custom_padding=”||0px|” global_module=”148″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”||0px|” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” disabled_on=”off|off|off” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”texte contribution” _builder_version=”4.22.2″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_toggle title=”If I quit my job and am no longer a member of the CSN, can I still be a member of B\u00e2tirente?” admin_label=”If I quit my job and am no longer a member of the CSN, can I still be a member of B\u00e2tirente?” _builder_version=”4.22.2″ border_radii=”off|||30px|” global_colors_info=”{}”]<\/p>\n
Yes, it’s your vested right.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”If I am no longer a member of the CSN, can I continue contributing to my B\u00e2tirente account?” admin_label=”If I am no longer a member of the CSN, can I continue contributing to my B\u00e2tirente account?” _builder_version=”4.22.2″ border_radii=”off|||30px|” global_colors_info=”{}”]<\/p>\n
Yes, you can continue contributing to your B\u00e2tirente account for as long as you wish.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”Are my contributions to my B\u00e2tirente account tax deductible?” admin_label=”Are my contributions to my B\u00e2tirente account tax deductible?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Yes. You will indeed be receiving an official receipt for the contributions you made to your group registered retirement savings plan (RRSP). For your simplified retirement plan (SRP), the information regarding the contributions you made will appear on your T4 and RL-1 slips.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”When will I be receiving my official receipts for my registered retirement savings plan (RRSP) contributions? ” admin_label=”When will I be receiving my official receipts for my registered retirement savings plan (RRSP) contributions? ” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
You will receive your receipt for the contributions you made over the first sixty days of the year by mid-March of the same year. Your receipt for the contributions you made over the rest of the year will arrive in mid-January of the following year.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”Am I going to get any follow-up on my portfolio? ” admin_label=”Am I going to get any follow-up on my portfolio? ” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Yes. You will receive four quarterly statements per year.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”How can I get the forms I need to make changes?” admin_label=”How can I get the forms I need to make changes?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Just contact your B\u00e2tirente group union representative or the B\u00e2tirente Member Services Centre at 1 800-463-6984 ext. 2.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”When I retire, will I be able to receive pension benefits from B\u00e2tirente?” admin_label=”When I retire, will I be able to receive pension benefits from B\u00e2tirente?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Definitely, we provide the required pension benefit plans.<\/p>\n
[\/et_pb_toggle][et_pb_text admin_label=”texte consolidation” _builder_version=”4.22.2″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_toggle title=”Is it always advantageous to consolidate my assets with B\u00e2tirente?” admin_label=”Is it always advantageous to consolidate my assets with B\u00e2tirente?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
In the vast majority of cases, yes. Fees paid with B\u00e2tirente are mostly lower than those offered in financial institutions.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”How can I learn about the fees related to my B\u00e2tirente plan?” admin_label=”How can I learn about the fees related to my B\u00e2tirente plan?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Your financial statement indicates all fees paid into your account, under Investments available in your plan. These are expressed as a percentage (%).<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”I want to transfer my accounts to B\u00e2tirente. How should I do it?” admin_label=”I want to transfer my accounts to B\u00e2tirente. How should I do it?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Just fill out a transfer form. The Member Services Centre can support you in this process. It’s possible to reach the centre at 1 800-463-6984 from 8 a.m. to 8 p.m. Note that if you have not already joined B\u00e2tirente, you must start by doing so.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”I am a member of B\u00e2tirente, but not my spouse. Can he\/she become a member?” admin_label=”I am a member of B\u00e2tirente, but not my spouse. Can he\/she become a member?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Yes. The spouse of a member is automatically eligible to participate in B\u00e2tirente and enjoy the same advantageous costs as his group.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”I have consolidated my RRSP assets at B\u00e2tirente. Should I do the same thing with my TFSA?” admin_label=”I have consolidated my RRSP assets at B\u00e2tirente. Should I do the same thing with my TFSA?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Yes. The B\u00e2tirente fees are the same for all types of plans in the same group. An investment in B\u00e2tirente TFSA therefore benefits from the same cost savings as in the RRSP or another plan.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”My financial institution charges me a fee to transfer my assets. Does B\u00e2tirente reimburse these expenses?” admin_label=”My financial institution charges me a fee to transfer my assets. Does B\u00e2tirente reimburse these expenses?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
No. B\u00e2tirente’s expense policy does not provide for the reimbursement of these expenses. However, a simple calculation shows that the savings achieved through the reduced fee rate fully offset the costs associated with the transfer. Often even in a few months.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What is On Target Retirement?” admin_label=”What is On Target Retirement?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
On Target Retirement is a tool for tracking your retirement goals. By taking into account your accumulated savings, your investment habits and your investor profile, it allows you to simply project your income into retirement.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”I am a CSN member, but my union does not participate in B\u00e2tirente. Can I still transfer my assets to B\u00e2tirente?” admin_label=”I am a CSN member, but my union does not participate in B\u00e2tirente. Can I still transfer my assets to B\u00e2tirente?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Yes. Any CSN union member, spouse and immediate family are eligible to participate in the B\u00e2tirente pension system.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”Is there not an increased risk of consolidating all my assets with B\u00e2tirente?” admin_label=”Is there not an increased risk of consolidating all my assets with B\u00e2tirente?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
No. B\u00e2tirente does business with more than 10 investment managers. By investing in B\u00e2tirente, members benefit from well-diversified, well-performing investments managed by a team of investment professionals. Consolidation does not expose the member to any additional financial risk.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”I have another question. Who do I contact?” admin_label=”I have another question. Who do I contact?” _builder_version=”4.22.2″ border_radii=”off|||25px|” global_colors_info=”{}”]<\/p>\n
Our website batirente.com is a complete source of information about our retirement system. You can also reach the Member Services Center at 1 800-463-6984 from 8 a.m. to 8 p.m.<\/p>\n
[\/et_pb_toggle][et_pb_text admin_label=”texte responsible investment” _builder_version=”4.22.2″ hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
[\/et_pb_text][et_pb_toggle title=”What is responsible investment (RI)?” admin_label=”What is responsible investment (RI)?” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
RI integrates a company\u2019s environmental, social and governance (ESG) criteria into the selection and management of investments at the same time that it contributes positively to important issues. RI protects assets while benefiting from replacement investments that can be characterized as cleaner and which are opportunities related to the ongoing necessary climate transition. What’s more, the same kinds of returns can be expected from these as with traditional investments, in a long-term perspective, but with potentially fewer risks.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What does the acronym ESG stand for? ” admin_label=”What does the acronym ESG stand for? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
Environmental, social and governance (ESG) issues are among the main drivers of change in today\u2019s business world. They concern issues for society at large, yet these are also important economic questions with substantial implications for companies and investors.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What is shareholder engagement? ” admin_label=”What is shareholder engagement? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
It\u2019s a practice that uses shareholders\u2019 power to directly influence a company\u2019s deployment of sustainable business models. For example: submitting shareholder proposals, voting and initiating dialogues that have a real impact on the development of best practices in the companies in which we invest.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What is impact investing? ” admin_label=”What is impact investing? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
These are investments undertaken in companies, organizations or funds with the intention of generating a measurable impact benefiting society and the environment as well as a financial return.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”Does B\u00e2tirente invest in fossil fuels? ” admin_label=”Does B\u00e2tirente invest in fossil fuels? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
Yes. In choosing companies, B\u00e2tirente focuses on their environmental performance without automatically writing off the fossil fuel sector. Through shareholder engagement, B\u00e2tirente invests in companies, including those in the oil field, so it can then apply its shareholder power to influence these companies to adopt practices that are more mindful of ESG issues. This approach ensures that these companies adopt strategies that take into account the energy transition and climate change while reducing their carbon footprint in the medium term.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What is a carbon footprint? ” admin_label=”What is a carbon footprint? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
A carbon footprint is a measurement of the greenhouse gas (GHG) emissions of an investment or an investment portfolio.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”Why is B\u00e2tirente committed to climate action? ” admin_label=”Why is B\u00e2tirente committed to climate action? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
As an RI leader, we are aware that our actions must be part of a coherent approach that includes quantitative and qualitative objectives and an increased mobilization of the resources at our disposal. These objectives are commensurate with our size and resources, but also match the colossal civilizational challenge that global warming presents. With that in mind, B\u00e2tirente unveiled its ambitious climate commitment in 2020.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What are the objectives of B\u00e2tirente\u2019s Climate Commitment? ” admin_label=”What are the objectives of B\u00e2tirente\u2019s Climate Commitment? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
Our aim is to progressively reduce our climate risk exposure by 50%, invest in the transition, target our shareholder engagement and collaborate with our partners. Since 2020, the actions taken lead us to believe that our goals for 2025 will be achieved. Link to results.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What are the Principles for Responsible Investment, or PRI? ” admin_label=”What are the Principles for Responsible Investment, or PRI? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
This initiative was launched in 2006 by investors, including B\u00e2tirente, in partnership with the United Nations Environment Programme Finance Initiative (UNEP FI) and the United Nations Global Compact. The PRI association believes that a sustainable and economically efficient global financial system is the key to long-term value creation. It also promotes sound governance, integrity and responsibility for investors.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What is the Montr\u00e9al Carbon Pledge? ” admin_label=”What is the Montr\u00e9al Carbon Pledge? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
This is an initiative that was launched at the annual PRI in Person conference in Montr\u00e9al in September 2014. By signing the pledge, institutional investors commit to measure and publicly disclose the carbon footprint of their investment portfolios.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What is the Climate Action 100+ group? ” admin_label=”What is the Climate Action 100+ group? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
With B\u00e2tirente among its participants, this initiative unites 700 investors from across the globe, with a total of US$68 billion under management, around a commitment targeting 166 of the largest corporate GHG emitters worldwide. Already 75% of the companies concerned have adopted net-zero emission targets for 2050. The initiative is preparing a long-term strategy for the 2023 to 2030 period.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What is Climate Engagement Canada (CEC)? ” admin_label=”What is Climate Engagement Canada (CEC)? ” _builder_version=”4.22.2″ hover_enabled=”0″ border_radii=”off|||25px|” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
As a coalition of Canadian investors that includes founding member B\u00e2tirente, CEC promotes dialogue between the financial community and Canadian companies to promote a just transition to a net-zero economy. The CEC program was launched in October 2021 with 27 investors as founding participants, who collectively manage more than C$3 trillion in assets.<\/p>\n
[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
ContributionYes, it’s your vested right.Yes, you can continue contributing to your B\u00e2tirente account for as long as you wish.Yes. You will indeed be receiving an official receipt for the contributions you made to your group registered retirement savings plan (RRSP). For your simplified retirement plan (SRP), the information regarding the contributions you made will appear on your T4 and RL-1 slips.You will receive your receipt for the contributions you made over the first sixty days of the year by mid-March of the same year. Your receipt for the contributions you made over the rest of the year will arrive in mid-January of the following year.Yes. You will receive four quarterly statements per year.Just contact your B\u00e2tirente group union representative or the B\u00e2tirente Member Services Centre at 1 800-463-6984 ext. 2.Definitely, we provide the required pension benefit plans.Consolidating assets with B\u00e2tirenteIn the vast majority of cases, yes. Fees paid with B\u00e2tirente are mostly lower than those offered in financial institutions.Your financial statement indicates all fees paid into your account, under Investments available in your plan. These are expressed as a percentage (%).Just fill out a transfer form. The Member Services Centre can support you in this process. It’s possible to reach […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-649","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\n