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If you have $100,000 or more to invest and want to get more out of life, these Portfolios are for you.
What you’ll get: recognized expertise, flexible income options, competitive pricing and tactical portfolio management combined with broad diversification. All that in a single investment—freeing you up to focus on what really matters to you.
Simplify your life and refine your investment strategy with a Chorus II Portfolio
A unique approach designed to meet your needsThe Chorus II Portfolios have been designed to meet your most exacting requirements.
Chorus II Low Volatility Portfolios These Portfolios minimize the impact of market downturns by prioritizing portfolio stability and capital preservation.
Chorus II Growth PortfoliosThese Portfolios are built for long-term growth, taking advantage of market opportunities, particularly in high-growth sectors.
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Broad diversification to give you peace of mind
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The Chorus II Portfolios are well-diversified so as to minimize your risk and stabilize your long-term returns. They’re diversified across:
• Asset classes• Geographic regions• Economic sectors• Management styles
Tactical portfolio managementTactical management for the Chorus II Portfolios is provided by Desjardins Global Asset Management (DGAM), a leader in the industry. This approach is designed to improve returns by changing the portfolio’s investment mix more often based on current and future market events.
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Desjardins Global Asset Management’s investment professionals have a reputation for value creation and innovation.
DGAM has teamed up with internationally renowned portfolio manager Lazard Asset Management for the tactical management mandate.
+THE ADVANTAGE OF TACTICAL MANAGEMENT IS A DYNAMIC, SPECIALIZED STRATEGY THAT’S ABLE TO MEET YOUR NEEDS FOR EITHER STABILITY OR GROWTH.
$226BAssets under management1
NEW YORKHead office: New York, USA
253Investment professionals
Lazard Asset Management serves as an advisor for asset allocation recommendations, a role that allows it to:
• Seize market opportunities• Devise volatility protection strategies
$73BAssets under management1
MONTREALHead office: Montreal, Canada
28Investment professionals
1 As at December 31, 2016.
• 73 billion dollars in Assets under management1
• Head office: Montreal, Canada
• 28 Investment professionals
1 As at December 31, 2016.
• 226 billion dollars in Assets under management1
• Head office: New York, USA
• 253 Investment professionals
1 As at December 31, 2016.
Reasonable management feesGet sophisticated portfolio management and competitive management fees.
Management fee rebate
Get a rebate1 on applicable management fees.
Better yet, the bigger your investment, the bigger your rebate. Rebates are credited in the form of additional units and help improve your returns.
1 Contact your representative to learn about the conditions of the management fee rebate.
The freedom to live the life you want
EXCLUSIVE ADVANTAGES FOR MEMBERS
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Flexible income optionsDo you want access to a portion of your investments? The income options available in a Chorus II Portfolio2 are a great way to help you manage your finances, providing you with the possibility of a monthly income while the rest of your money keeps on growing.
Your representative can help you choose the income option that’s best for you. And you can change it any time you need to.
For instance, if you opt for fixed monthly distributions, the income you receive will be primarily a return of capital. Since it’s not immediately taxable, that means a potentially higher net income.3
INVESTMENT INCOME THAT FITS WITH YOUR LIFE
2 Only for T- and S-class units.3 If the rate of return is lower than the distribution rate, any return of
capital will reduce the Portfolio’s net asset value and impair its capacity to generate future income.
The Chorus II lineup is made of six Portfolios designed to meet a full range of investor profiles so you can acheive your financial objectives.Low volatility portfolios :• Chorus II Conservative Low Volatility Portfolio is composed of 71% fixed income and 29% growth. The objective of this Portfolio is to generate high income and some long-term capital growth. • Chorus II Moderate Low Volatility Portfolio is composed of 60% fixed income and 40% growth. This portfolio aims to generate stable income, mainly from bonds, and to a lesser extent, long-term capital growth.• Chorus II Balanced Low Volatility Portfolio is composed of 51% fixed income and 49% growth in bonds and Canadian and global equities. The objective of this Portfolio is long-term capital appreciation.Growth portfolios :• Chorus II Balanced Low Volatility Portfolio is composed of 40% fixed income and 60% growth. The objective of this Portfolio is long-term capital appreciation, and to a lesser extent, income generation.• Chorus II Dynamic Growth Portfolio is composed of 26% fixed income and 74% growth. This Portfolio aims to take advantage of market upturns while providing a baseline of stability from bonds.• Chorus II Maximum Growth Portfolio is composed of 15% fixed income and 85% growth. This portfolio targets long-term capital growth through high stock market exposure.
THE CHORUS II LINEUPA total of six Portfolios designed to meet a full range of investor
profiles—including yours—so you can achieve your financial objectives.
TARGET ASSET ALLOCATION1
1 For illustrative purposes only. Asset allocation may vary within the rebalancing ranges specified in the prospectus.
LOW VOLATILITY GROWTH
CONSERVATIVE LOW VOLATILITY
71% FIXED INCOME 29% GROWTH
The objective of this Portfolio is
to generate high income and some long-term capital
growth.
GROWTH
40% FIXED INCOME 60% GROWTH
The objective of this Portfolio is long-term capital appreciation,
and to a lesser extent, income
generation.MODERATE
LOW VOLATILITY
60% FIXED INCOME 40% GROWTH
This Portfolio aims to generate stable
income, mainly from bonds, and to a lesser extent, long-term capital
growth.
AGGRESSIVE GROWTH
26% FIXED INCOME 74% GROWTH
This Portfolio aims to take advantage of market upturns while providing a baseline
of stability from bonds.
BALANCED LOW VOLATILITY
51% FIXED INCOME 49% GROWTH
Composed of bonds and Canadian and
global equities, the objective of this
Portfolio is long-term
capital appreciation.
MAXIMUM GROWTH
15% FIXED INCOME 85% GROWTH
This Portfolio targets long-term capital growth through
high stock market exposure.
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Ret
urn
pote
ntia
l
Risk level
L’un de nos 12 Portefeuilles Chorus II1 saura vous aider à atteindre vos objectifs financiers.
RÉPARTITION CIBLE DE L’ACTIF2
Find all the information you needVisit desjardins.com for:
+ Pricing and performance
+ Asset class breakdowns
+ The Chorus II Portfolios, underlying funds
+ Portfolio managers
+ Monthly reports
+ Brochures
+ Legal and financial documentation
+ Annual performance review videos
Consult your investment statement for:
+ The total value of your investments
+ An account-by-account breakdown of your total investment value
+ Details on your investments
+ Your total personal rate of return
TALK TO YOUR REPRESENTATIVE TO CHOOSE THE CHORUS I I PORTFOLIO THAT’S RIGHT FOR YOU.
DESJARDINS.COM/DESJARDINSFUNDS
ABOUT DESJARDINS
Desjardins Group is the leading cooperative financial group in Canada and the sixth largest cooperative financial group in the world, with assets of close to $272 billion.1 It has been rated one of the Best Employers in Canada by Aon Hewitt. To meet the diverse needs of its members and clients, Desjardins offers a full range of personal and commercial products and services through its extensive distribution network, online platforms and subsidiaries across Canada. Ranked one of the world’s strongest banks by The Banker magazine, Desjardins has one of the highest capital ratios and credit ratings in the industry.
+ Moody’s Aa2+ Standard & Poor’s A++ Dominion Bond Rating Service AA+ Fitch AA-
ABOUT DESJARDINS FUNDS
The Desjardins Funds are managed by Desjardins Investments Inc., one of the leading investment fund manufacturers in Canada with $30 billion in assets under management.1
Desjardins Investments offers a wide range of investment funds and stands out for its innovative investment solutions that meet the varied and changing needs of Canadian investors. Recognized for its rigorous, credible and transparent approach, Desjardins Investments plays a leadership role in supporting and promoting responsible investing in Canada through the SocieTerra family of funds and portfolios.
1 As at June 30, 2017.
1 As at June 30, 2017.
This document is printed on Rolland Enviro paper.
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The Desjardins Funds are not guaranteed, their value fluctuates frequently and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The Desjardins Funds are offered by such registered dealers as the Desjardins Financial Services Firm, a mutual fund dealer belonging to Desjardins Group that distributes the Funds in caisses throughout Quebec and Ontario.