Guaranteed Term Funds

Fully guaranteed interest rates.

• Daily Interest Accumulator (DIA)
  Holding account that generates interest on the daily balance.
• Compound Interest Accumulator (CIA)
  Fixed term investment with competitive guaranteed interest rates. One, two, three, four and five-year terms available.

Balanced/Diversified Funds

Invest in a mix of Canadian and foreign equities, bonds and short-term investments whereby the fund manager adjusts the percentage held in each category depending on market conditions. The goal is to produce strong performance with moderate risk by combining the superior long-term growth potential of equities with the steady income of bonds.

Fixed Income Funds

Geared to security-oriented investors. Aim to provide attractive interest returns with lower volatility.

• Money Market Funds
  Invest in short-term debt securities maturing in one year or less.
• Bond Funds
  Invest in debt securities issued by a government or company with maturities ranging from one year to more than ten years.
• Index Bond Funds
  Attempt to generate a return that closely tracks the performance of a particular index (e.g., Scotia Capital Markets Universe Bond Index).
• Mortgage Funds
  Invest in commercial and industrial mortgages, diversified by type and location.

Equity Funds

Invest in stock market instruments offering greater return potential than guaranteed or fixed income funds but with more volatility. You must take a long-term perspective (five years or more) as you may encounter small or even negative returns for shorter periods.

• Foreign Equity Funds
  Allow you to participate in the U.S. and international economies that may enhance your long-term returns and reduce overall volatility.
• Index Equity Funds
  Aim to provide a return that tracks the performance of a particular securities index (e.g. S&P 500).

Specialty Funds

• Real Estate Fund
  Invests in income-generating properties such as commercial and industrial buildings.
• Global Absolute Return Strategies (GARS) Fund
  The Global Absolute Return Strategies Fund strives to achieve absolute positive returns in both up and down markets through the deployment of approximately 30 different, but complementary, investment strategies. Investments may include derivative contracts, fixed income securities, equities, cash and cash equivalent securities and securities of other funds.
• Infrastructure Funds
  Infrastructure funds invest in publicly listed companies which own physical infrastructure (including toll roads, airports, communications assets such as broadcasting towers, materials handling facilities such as ports, rail facilities and other transport assets).
• REIT Funds
  Real Estate Investment Trusts (REIT) are trusts that invest in a wide range of real estate assets, including shopping centres, office buildings and industrial properties. A REIT Index Fund aims to reflect the performance of a particular index that invests is real estate companies and REITs.
• Absolute Return Global Bond Strategies Fund
  The objective of the Fund is to deliver a positive absolute return in the form of capital growth over the medium to longer term in all market conditions. The strategy of the Fund is to achieve its objective through dynamic allocation to a broad range of investment opportunities in the fixed income and foreign exchange markets.