Investments and performance

Choose the actively managed Co-operators MFS LifePlan Retirement Funds or the index-based Co-operators BlackRock LifePath Funds to provide employees with a “hands-off” approach to investing. It couldn’t be easier. All employees have to do is choose the fund that’s closest to their planned retirement date.

The benefits:

• A one-step process for building a diversified investment portfolio
• A portfolio that automatically matches the employee’s investment time horizon
• Fund management by investment professionals who rebalance the asset mix as needed
• A gradual reduction in investment risk as employees approach their retirement date

Choose from five pre-packaged asset-allocation portfolios created through the expert analysis of fund combinations and expected returns. This makes sense for employees who want flexibility as well as an asset mix that matches their lifestyle at every stage.

The benefits:

• An asset mix that matches the employee’s investing profile and risk tolerance
• A diversified portfolio across sectors, geographic locations and fund managers
• A stable way to meet the employee’s outlined investment goals
• The flexibility to switch to another portfolio, if the employee’s investing profile changes

Choose from four pre-packaged asset-allocation portfolios managed by NEI Investments. Responsible screens exclude investment in companies that derive a material portion of their revenue from industries like tobacco, weapons, nuclear power and gambling. A Co-operators NEI Select Portfolio makes sense for employees who want to generate returns for themselves and for a better society.

The benefits:

• An asset mix that matches the employee’s investing profile and risk tolerance
• A diversified portfolio across sectors, geographic locations and fund managers
• An environmental, social and governance (ESG) analysis of each included fund
• The flexibility to switch to another portfolio, if the employee’s investing profile changes

For the ultimate in choice and flexibility, choose individual investment funds from a variety of leading fund managers. Employees can invest in one-, three- or five-year terms, via a guaranteed-interest-rate option or a variable-interest account that keeps pace with daily interest rates. This makes sense for employees who feel comfortable selecting their own mix of investments.

The benefits:

• The freedom to build a diversified asset mix
• Investments that provide the desired degrees of diversification, liquidity and professional management
• The flexibility to change investments, if the employee’s investing profile changes