Printed on 10-29-2014
Multi-Management 20/80 Fund
Fund Category
Canadian Fixed Income Balanced
Morningstar Return
Low
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Registered Plan Eligibility
Fund Assets ($Mil)
400
September 2002
100%
76.70
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.00
0.03
Management Company
Web Site
Morningstar Risk
Below Average
20
Growth of $10,000
Fund
Benchmark
18
16
14
12
10
8
Multi-Manager
www.desjardinslife
insurance.com
(
(
(
*
&
)
)
*
)
)
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
7.8
7.1
7.7
7.0
7.8
7.0
2.8
3.2
-2.6
-1.4
8.2
8.2
7.2
6.7
5.0
5.2
5.5
4.5
3.1
3.3
7.1
6.6
Fund Return %
Benchmark %
Quartile
as at 09-30-2014
Volatility Analysis
Investment
Low
Moderate
High
Category
Investment Objective
To emphasize the preservation of capital and obtain a
stable return.
Benchmark
9.5% S&P/TSX, 9.5% MSCI World Net, 76% FTSE TMX Canada
Universe, 5% FTSE TMX Canada 91-day Treasury Bills
Annualized Returns %
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
Fund
Benchmark
9.4
8.8
5.6
5.3
6.0
5.6
5.4
5.2
5.7
5.4
5.5
5.4
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
Investor Profile
Secure Profile
This portfolio of Funds emphasizes the preservation of
capital and obtaining a stable return. It suits the needs of
an investor profile with very little tolerance for risk. The
portfolio of Fund invests in a wide array of pooled funds,
with a strong concentration in fixed income funds.
Risk tolerance: Low
Note
This portfolio of funds was created in September 2002
and the latest asset allocation change was made on
December 6, 2013. The benchmark has been modified as
of December 1st, 2012.
BlackRock® is a registered trademark of BlackRock, Inc.
Used under liscence.
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Top Five Countries
Canada
United States
United Kingdom
Ireland
Mexico
Top Ten Holdings
5.6
74.7
10.4
5.1
4.1
0.1
% Assets
83.1
7.8
1.4
0.5
0.5
% Assets
Canada Hsg Tr No 1 2.05% 15-06-2017
Canada Hsg Tr No 1 2.45% 15-12-2015
Province Of Ontario 2.85% 02-06-2023
Canada Govt 1% 01-11-2015
Canada Hsg Tr No 1 2.35% 15-12-2018
2.5
2.1
2.0
1.9
1.4
Canada Hsg Tr No 1 2.75% 15-12-2015
Canada Hsg Tr No 1 2.75% 15-06-2016
Province Of Ontario 3.15% 02-06-2022
Canada Hsg Tr No 1 1.85% 15-12-2016
Canada Hsg Tr No 1 1.75% 15-06-2018
1.1
1.1
1.1
0.8
0.8
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
Target Composition
% Assets
DGIA Bond
DGIA Universe Bond Index
Beutel Goodman Income
Fiera Bond
Desjardins Global Tactical Bond
Beutel Goodman Canadian Equity
DFS BlackRock® Active Canadian Equity
GE U.S. Core Equity
Hexavest Global Equities
DGIA Emerging Markets
DFS BlackRock® Global Infrastructure Index
Top Five Global Equity Sectors
Financials
Energy
Utilities
Industrial
Consumer Discretionary
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
18.00
18.00
18.00
18.00
8.00
5.00
5.00
2.00
2.00
2.00
4.00
% Equity
25.9
19.9
10.9
9.2
8.0
% Bond
51.3
40.7
0.6
0.3
7.0
0.2
12
4,903
3,667
1,106
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
?
Printed on 10-29-2014
Multi-Management 35/65 Fund
Fund Category
Canadian Fixed Income Balanced
Morningstar Return
Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Registered Plan Eligibility
Fund Assets ($Mil)
401
September 2002
100%
125.53
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.00
0.03
Management Company
Web Site
Morningstar Risk
Above Average
20
Growth of $10,000
Fund
Benchmark
18
16
14
12
10
8
Multi-Manager
www.desjardinslife
insurance.com
&
&
&
(
)
(
*
(
*
(
&
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
9.3
8.7
10.2
9.5
10.1
9.4
2.4
3.3
-9.7
-7.4
11.6
11.9
8.3
8.4
3.2
3.3
7.0
5.7
6.8
6.7
7.7
7.3
Fund Return %
Benchmark %
Quartile
as at 09-30-2014
Volatility Analysis
Investment
Low
Annualized Returns %
Moderate
High
Category
Investment Objective
To emphasize the preservation of capital but also strive
to enhance returns by including a relatively small growth
component.
Fund
Benchmark
Note
This portfolio of funds was created in September 2002
and the latest asset allocation change was made on
December 6, 2013. The benchmark has been modified as
of December 1st, 2012.
BlackRock® is a registered trademark of BlackRock, Inc.
Used under liscence.
3 Yr
4 Yr
5 Yr
10 Yr
8.0
7.6
8.2
7.5
6.8
6.3
6.8
6.5
6.1
6.1
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Investor Profile
Risk tolerance: Moderate
2 Yr
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Benchmark
16.625% S&P/TSX, 16.625% MSCI World Net, 61.75% FTSE
TMX Canada Universe, 5% FTSE TMX Canada 91-day Treasury
Bills
Moderate Profile
This portfolio of Funds emphasizes the preservation of
capital but also strives to enhance returns by including a
relatively small growth component. It suits the needs of
an investor profile with a low tolerance for risk but also
aims for a moderate return. The portfolio of Fund invests
in a wide array of pooled funds, with a concentration in
fixed income funds.
1 Yr
11.4
10.9
Top Five Countries
Canada
United States
United Kingdom
Japan
China
4.9
60.9
17.6
8.9
7.5
0.1
% Assets
77.2
11.2
1.8
0.8
0.8
Target Composition
Top Five Global Equity Sectors
Top Ten Holdings
% Assets
Canada Hsg Tr No 1 2.05% 15-06-2017
Canada Hsg Tr No 1 2.45% 15-12-2015
Province Of Ontario 2.85% 02-06-2023
Canada Govt 1% 01-11-2015
Canada Hsg Tr No 1 2.35% 15-12-2018
2.0
1.7
1.6
1.6
1.1
Royal Bank Of Canada
Canada Hsg Tr No 1 2.75% 15-12-2015
Toronto-Dominion Bank
Province Of Ontario 3.15% 02-06-2022
Canada Hsg Tr No 1 2.75% 15-06-2016
0.9
0.9
0.9
0.9
0.9
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
14
4,971
3,734
1,106
% Assets
DGIA Bond
DGIA Universe Bond Index
Beutel Goodman Income
Fiera Bond
Desjardins Global Tactical Bond
Beutel Goodman Canadian Equity
DFS BlackRock® Active Canadian Equity
Montrusco Bolton Canadian Small Cap Equity
GE U.S. Core Equity
Hexavest Global Equities
Baillie Gifford International Equity
DGIA Emerging Markets
DFS BlackRock® Global Infrastructure Index
Financials
Energy
Industrial
Utilities
Consumer Discretionary
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
14.50
14.50
14.75
14.75
6.50
5.00
10.00
2.50
4.50
3.50
2.00
2.50
5.00
% Equity
24.9
19.2
9.7
8.5
8.3
% Bond
50.8
40.7
0.6
0.3
7.5
0.2
?
Printed on 10-29-2014
Multi-Management 50/50 Fund
Fund Category
Canadian Neutral Balanced
Morningstar Return
Below Average
General Information
Morningstar Risk
Below Average
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Registered Plan Eligibility
Fund Assets ($Mil)
402
September 2002
100%
239.75
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.00
0.04
Management Company
Web Site
20
Growth of $10,000
Fund
Benchmark
18
16
14
12
10
8
Multi-Manager
www.desjardinslife
insurance.com
(
(
*
(
(
*
(
*
(
)
(
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
9.9
9.2
11.4
10.4
12.4
11.7
2.0
2.0
-16.7
-13.6
17.9
15.5
10.0
9.6
0.6
1.4
8.1
6.8
10.4
10.1
8.3
8.0
Fund Return %
Benchmark %
Quartile
as at 09-30-2014
Volatility Analysis
Investment
Low
Annualized Returns %
Moderate
High
Category
Investment Objective
To emphasize the preservation of capital and long term
capital growth.
Benchmark
23.75% S&P/TSX, 23.75% MSCI World Net, 47.5% FTSE TMX
Canada Universe, 5% FTSE TMX Canada 91-day Treasury Bills
Fund
Benchmark
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
10.3
9.8
10.2
9.4
7.8
7.4
7.9
7.5
6.6
6.4
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Investor Profile
Balanced Profile
This portfolio of Funds equally emphasizes the
preservation of capital and long term capital growth. It
suits the needs of an investor profile with a moderate
tolerance for risk and aims for moderately strong returns.
The portfolio of Fund invests in a wide array of pooled
funds, with a close balance between fixed income funds
and equity funds.
1 Yr
13.5
13.0
Top Five Countries
Risk tolerance: Moderate
Canada
United States
United Kingdom
Japan
China
4.2
46.9
24.8
13.0
10.8
0.2
% Assets
71.1
14.8
2.3
1.3
0.9
Note
Top Ten Holdings
This portfolio of funds was created in September 2002
and the latest asset allocation change was made on
December 6, 2013. The benchmark has been modified as
of December 1st, 2012.
Canada Hsg Tr No 1 2.05% 15-06-2017
Canada Hsg Tr No 1 2.45% 15-12-2015
Royal Bank Of Canada
Province Of Ontario 2.85% 02-06-2023
Canada Govt 1% 01-11-2015
1.6
1.3
1.3
1.2
1.2
BlackRock® is a registered trademark of BlackRock, Inc.
Used under liscence.
Toronto-Dominion Bank
Canada Hsg Tr No 1 2.35% 15-12-2018
Bank of Nova Scotia
Canada Hsg Tr No 1 2.75% 15-12-2015
Canadian National Railway Co
1.2
0.8
0.8
0.7
0.7
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
Target Composition
% Assets
DGIA Bond
DGIA Universe Bond Index
Beutel Goodman Income
Fiera Bond
Desjardins Global Tactical Bond
Beutel Goodman Canadian Equity
DFS BlackRock® Active Canadian Equity
Montrusco Bolton Canadian Small Cap Equity
DFS BlackRock® US Equity Index
GE U.S. Core Equity
Hexavest Global Equities
Pyramis Select International Equity
Baillie Gifford International Equity
DGIA Emerging Markets
DFS BlackRock® Global Infrastructure Index
11.25
11.25
11.25
11.25
5.00
5.00
15.00
5.00
5.00
2.00
5.00
2.00
2.00
3.00
6.00
% Assets
16
5,043
3,791
1,106
Top Five Global Equity Sectors
Financials
Energy
Industrial
Consumer Discretionary
Information Technology
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Equity
24.0
18.8
9.9
8.3
7.6
% Bond
50.6
40.2
0.6
0.2
8.2
0.2
?
Printed on 10-29-2014
Multi-Management 65/35 Fund
Fund Category
Canadian Equity Balanced
Morningstar Return
Average
General Information
Morningstar Risk
Average
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Registered Plan Eligibility
Fund Assets ($Mil)
403
September 2002
100%
209.01
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.00
0.04
Management Company
Web Site
25
Growth of $10,000
Fund
Benchmark
22
19
16
13
10
7
Multi-Manager
www.desjardinslife
insurance.com
*
*
(
*
)
*
*
)
(
)
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
11.3
9.7
14.6
11.7
13.3
13.6
2.3
1.6
-20.6
-19.5
23.3
20.2
11.4
11.0
-3.4
-1.0
9.2
7.8
14.3
13.7
9.2
8.7
Fund Return %
Benchmark %
Quartile
as at 09-30-2014
Volatility Analysis
Investment
Low
Moderate
Annualized Returns %
High
Category
Investment Objective
To emphasize capital growth over the long term while
maintaining a certain degree of stability.
Benchmark
30.875% S&P/TSX, 30.875% MSCI World Net, 33.25% FTSE
TMX Canada Universe, 5% FTSE TMX Canada 91-day Treasury
Bills
Fund
Benchmark
Risk tolerance: High
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
12.9
12.2
12.2
11.3
8.6
8.4
8.7
8.5
7.3
6.8
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Investor Profile
Growth Profile
This portfolio of Funds emphasizes capital growth over
the long term while maintaining a certain degree of
stability. It suits the needs of an investor profile with a
higher tolerance for risk and aims for strong long term
returns. The portfolio of Fund invests in a wide array of
pooled funds, with a bias towards equity funds.
1 Yr
15.9
15.1
Top Five Countries
Canada
United States
United Kingdom
Japan
China
3.0
33.6
31.7
17.2
14.1
0.4
% Assets
65.1
18.5
2.7
1.9
1.1
Target Composition
Top Five Global Equity Sectors
Note
Top Ten Holdings
This portfolio of funds was created in September 2002
and the latest asset allocation change was made on
December 6, 2013. The benchmark has been modified as
of December 1st, 2012.
Canada Govt 1% 01-11-2015
Royal Bank Of Canada
Toronto-Dominion Bank
Province Of Ontario 2.85% 02-06-2023
Bank of Nova Scotia
1.7
1.6
1.5
1.3
1.1
BlackRock® is a registered trademark of BlackRock, Inc.
Used under liscence.
Canadian National Railway Co
Province Of Ontario 3.15% 02-06-2022
Suncor Energy Inc
TransCanada Corp
Canadian Natural Resources Ltd
0.9
0.9
0.8
0.7
0.6
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
% Assets
14
4,976
3,807
1,029
% Assets
DGIA Universe Bond Index
Fiera Bond
Desjardins Global Tactical Bond
Beutel Goodman Canadian Equity
DFS BlackRock® Active Canadian Equity
Fiera Canadian Equity Growth
Montrusco Bolton Canadian Small Cap Equity
DFS BlackRock® US Equity Index
Hexavest Global Equities
Pyramis Select International Equity
Baillie Gifford International Equity
DGIA Emerging Markets
DFS BlackRock® Global Infrastructure Index
Financials
Energy
Industrial
Consumer Discretionary
Information Technology
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
15.75
15.75
3.50
5.00
15.00
5.00
7.50
8.75
8.00
2.50
2.75
3.50
7.00
% Equity
23.3
18.5
10.1
8.6
8.2
% Bond
52.2
38.7
0.3
0.5
8.1
0.2
?
Printed on 10-29-2014
Multi-Management 80/20 Fund
Fund Category
Canadian Equity Balanced
Morningstar Return
Average
General Information
Morningstar Risk
High
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Registered Plan Eligibility
Fund Assets ($Mil)
404
September 2002
100%
101.27
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.00
0.04
Management Company
Web Site
25
Growth of $10,000
Fund
Benchmark
22
19
16
13
10
7
Multi-Manager
www.desjardinslife
insurance.com
*
&
&
*
)
&
&
)
*
*
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
12.2
10.2
15.2
12.7
15.1
16.0
1.7
0.3
-26.3
-25.2
28.1
23.8
12.9
12.3
-5.4
-3.3
10.0
8.7
18.8
17.4
9.9
9.3
Fund Return %
Benchmark %
Quartile
as at 09-30-2014
Volatility Analysis
Investment
Low
Moderate
Annualized Returns %
High
Category
Investment Objective
To emphasize strong capital growth over the long term.
Benchmark
38% S&P/TSX, 38% MSCI World Net, 19% FTSE TMX Canada
Universe, 5% FTSE TMX Canada 91-day Treasury Bills
Fund
Benchmark
Risk tolerance: Very high
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
15.5
14.5
14.3
13.2
9.8
9.3
9.8
9.4
7.6
7.0
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Investor Profile
Speculative Profile
This portfolio of Funds emphasizes strong capital growth
over the long term. It suits the needs of an investor
profile with a high tolerance for risk that mainly aims for
high long term returns and less concern of short term
portfolio fluctuation. The portfolio of Fund invests in a
wide array of pooled funds, with a strong concentration
in equity funds.
1 Yr
18.1
17.2
Top Five Countries
Canada
United States
United Kingdom
Japan
China
2.7
19.2
39.1
21.2
17.4
0.4
% Assets
59.2
22.0
3.2
2.4
1.2
Note
This portfolio of funds was created in September 2002
and the latest asset allocation change was made on
December 6, 2013. The benchmark has been modified as
of December 1st, 2012.
BlackRock® is a registered trademark of BlackRock, Inc.
Used under liscence.
Target Composition
Top Five Global Equity Sectors
Top Ten Holdings
% Assets
Royal Bank Of Canada
Toronto-Dominion Bank
Bank of Nova Scotia
Canadian National Railway Co
Canada Govt 1% 01-11-2015
1.9
1.9
1.4
1.1
1.0
Canadian Natural Resources Ltd
Suncor Energy Inc
Magna International Inc Class A
TransCanada Corp
Province Of Ontario 2.85% 02-06-2023
0.9
0.8
0.8
0.7
0.7
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
14
4,976
3,807
1,029
% Assets
DGIA Universe Bond Index
Fiera Bond
Desjardins Global Tactical Bond
Beutel Goodman Canadian Equity
DFS BlackRock® Active Canadian Equity
Fiera Canadian Equity Growth
Montrusco Bolton Canadian Small Cap Equity
DFS BlackRock® US Equity Index
Hexavest Global Equities
Pyramis Select International Equity
Baillie Gifford International Equity
DGIA Emerging Markets
DFS BlackRock® Global Infrastructure Index
Financials
Energy
Industrial
Consumer Discretionary
Information Technology
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
9.00
9.00
2.00
10.00
15.00
5.00
10.00
11.00
10.00
3.50
3.50
4.00
8.00
% Equity
23.6
17.9
10.1
8.9
8.3
% Bond
49.9
37.0
0.3
0.4
12.2
0.2
?
Printed on 10-29-2014
Multi-Management 100 Fund
Fund Category
Canadian Focused Equity
Morningstar Return
Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Registered Plan Eligibility
Fund Assets ($Mil)
405
September 2002
100%
28.46
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.01
0.05
Management Company
Web Site
Morningstar Risk
Average
25
Growth of $10,000
Fund
Benchmark
22
19
16
13
10
7
Multi-Manager
www.desjardinslife
insurance.com
(
(
(
(
)
*
*
(
*
(
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
13.5
11.5
16.4
15.5
17.8
19.1
1.3
0.7
-32.8
-31.8
35.3
28.7
14.9
13.4
-9.3
-5.9
11.3
10.1
24.1
22.4
11.0
10.3
Fund Return %
Benchmark %
Quartile
as at 09-30-2014
Volatility Analysis
Investment
Low
Moderate
Annualized Returns %
High
Category
Investment Objective
To achieve maximum capital growth.
Benchmark
47.5% S&P/TSX, 47.5% MSCI World Net, 5% FTSE TMX Canada
91-day Treasury Bills
Fund
Benchmark
Risk tolerance: Highest
Note
This portfolio of funds was created in September 2002
and the latest asset allocation change was made on
December 6, 2013. The benchmark has been modified as
of December 1st, 2012.
BlackRock® is a registered trademark of BlackRock, Inc.
Used under liscence.
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
19.1
17.7
17.2
15.8
10.9
10.7
11.1
10.6
8.1
7.6
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Investor Profile
Speculative Profile
This portfolio of Funds aims to achieve maximum capital
growth. It suits the needs of an investor profile with a
very high tolerance for risk that aims for the highest long
term return and not worried by short term portfolio
fluctuation. The portfolio of Fund invests exclusively in a
wide array of equity pooled funds.
1 Yr
21.2
20.2
Top Five Countries
Canada
United States
United Kingdom
Japan
China
Top Ten Holdings
2.3
0.0
48.7
26.7
21.7
0.6
% Assets
51.2
26.9
3.7
2.9
1.6
% Assets
Royal Bank Of Canada
Toronto-Dominion Bank
Bank of Nova Scotia
Canadian National Railway Co
Canadian Natural Resources Ltd
2.4
2.3
1.8
1.3
1.1
Suncor Energy Inc
TransCanada Corp
Magna International Inc Class A
Enbridge Inc
Manulife Financial Corp
1.1
0.9
0.9
0.9
0.8
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
Target Composition
% Assets
Beutel Goodman Canadian Equity
DFS BlackRock® Active Canadian Equity
Fiera Canadian Equity Growth
Montrusco Bolton Canadian Small Cap Equity
DFS BlackRock® US Equity Index
Hexavest Global Equities
Pyramis Select International Equity
Baillie Gifford International Equity
DGIA Emerging Markets
DFS BlackRock® Global Infrastructure Index
Top Five Global Equity Sectors
Financials
Energy
Industrial
Consumer Discretionary
Information Technology
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
10.00
17.50
10.00
12.50
13.75
12.50
4.25
4.50
5.00
10.00
% Equity
23.3
18.1
10.1
8.9
8.4
% Bond
0.0
0.0
0.0
0.0
100.0
0.0
11
3,869
3,807
0
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
?
Printed on 10-29-2014
Beutel Goodman Balanced Fund
Fund Category
Canadian Equity Balanced
Morningstar Return
Average
General Information
Morningstar Risk
Below Average
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
282
March 2010
February 1991
100%
20.01
3498.77
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.02
0.06
Management Company
Beutel, Goodman &
Company Ltd.
www.desjardinslife
insurance.com
Web Site
25
Underlying Fund
16
Benchmark
10
7
—
—
—
—
—
—
—
*
*
(
)
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
11.1
9.2
10.1
11.5
13.9
12.1
0.7
2.6
-9.9
-14.7
15.1
15.0
9.7
9.5
0.4
0.5
11.0
7.3
17.5
11.7
7.2
8.2
Fund Return %
Benchmark %
Investment
High
Category
Investment Objective
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
15.0
13.9
14.3
10.9
13.3
10.2
9.8
7.8
9.4
7.7
7.9
6.6
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Canada
United States
United Kingdom
Norway
Germany
% Assets
64.6
16.8
4.6
2.5
2.2
Note
Top Ten Holdings
The fund is currently closed to new defined benefit
plans.
Canada Hsg Tr No 1 2.45% 15-12-2015
Toronto-Dominion Bank
Canada Hsg Tr No 1 2.75% 15-06-2016
Bank of Nova Scotia
Royal Bank Of Canada
3.1
2.7
2.3
2.3
2.2
Canada Hsg Tr No 1 2.05% 15-06-2017
CIBC
Rogers Communications Inc Class B
Canadian Natural Resources Ltd
Magna International Inc Class A
2.0
1.6
1.6
1.5
1.3
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
326
131
169
% Assets
Low
Top Five Countries
Med
Value Blend Growth
Investment Strategy
The investments are actively managed in order to provide
long-term capital appreciation by investing in a
diversified portfolio of Canadian, U.S. and international
equities, as well as bond and short-term securities.
Security selection favours undervalued companies
relative to asset value and profit potential.
Fixed Income Style
High
Benchmark
30% S&P/TSX, 12% S&P 500, 13% MSCI EAFE Net, 40% FTSE
TMX Canada Universe, 5% FTSE TMX Canada 91-day Treasury
Bills
Equity Style
5.3
27.7
31.5
16.8
18.6
0.0
Mid Small
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Large
The Fund targets an annualized return of 1.25% higher
than the benchmark indices below, over four-year moving
periods.
Quartile
as at 09-30-2014
Fund
Benchmark
Volatility Analysis
Moderate
Fund
19
13
Annualized Returns %
Low
Growth of $10,000
22
Ltd
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
Mod
Ext
% Equity
0.1
10.6
29.5
8.1
13.4
6.8
7.5
11.6
4.8
7.7
0.0
% Bond
42.5
40.3
1.1
0.0
16.0
0.0
?
Printed on 10-29-2014
Beutel Goodman Income Fund
Fund Category
Canadian Fixed Income
Morningstar Return
Low
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
279
June 2009
January 1991
100%
254.71
2289.54
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.35
0.00
0.04
Management Company
Beutel, Goodman &
Company Ltd.
www.desjardinslife
insurance.com
Web Site
20
Fund
16
Underlying Fund
14
Benchmark
10
8
Investment
Moderate
Growth of $10,000
18
12
Volatility Analysis
Low
Morningstar Risk
Low
High
Category
Investment Objective
—
—
—
—
—
(
)
)
)
)
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
7.3
7.1
6.4
6.5
4.3
4.1
4.4
3.7
7.9
6.4
8.8
5.4
6.9
6.7
8.1
9.7
3.1
3.6
-1.3
-1.2
4.7
5.9
Fund Return %
Benchmark %
Annualized Returns %
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
Fund
Benchmark
5.1
6.3
1.7
2.5
2.8
3.4
3.5
4.2
4.2
4.9
5.6
5.4
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Ltd
Top Ten Holdings
% Assets
Canada Hsg Tr No 1 2.45% 15-12-2015
Canada Hsg Tr No 1 2.05% 15-06-2017
Canada Hsg Tr No 1 2.75% 15-12-2015
Canada Hsg Tr No 1 1.85% 15-12-2016
Canada Hsg Tr No 1 2.35% 15-12-2018
9.2
6.1
6.1
2.3
2.2
Canada Hsg Tr No 1 2.05% 15-06-2018
Nova Scotia Pwr Inc Mtn Cds 5.61%
15-06-2040
Enbridge Inc Mtn Cds- 4.57% 11-03-2044
CIBC 1.75% 01-06-2016
Canada 0.875% 14-02-2017
1.9
1.8
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
201
0
179
1.7
1.7
1.7
Credit Quality
High
Medium
Low
NR/NA
%
56.2
44.1
0.0
-0.3
Low
Investment Strategy
Fixed Income Style
17.4
82.6
0.0
0.0
0.0
0.0
Med
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Benchmark
FTSE TMX Canada Universe
The investments are actively managed in order to provide
a high rate of income return by investing in a diversified
portfolio of fixed-income securities of Canadian
government and corporate issuers. The strategy seeks to
add value through management of duration, yield curve
and credit risk. Credit exposure is gained through the use
of high grade corporate bonds. Emphasis is placed on the
corporate security's liquidity, transparency and
consistent cash flow generation through the economic
cycle.
Quartile
as at 09-30-2014
High
The Fund targets an annualized return higher than the
FTSE TMX Canada Universe Index, over four-year moving
periods.
—
Mod
Ext
Top Five Countries
Canada
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
100.0
% Bond
39.5
42.0
1.1
0.0
17.4
0.0
?
Printed on 10-29-2014
Beutel Goodman Canadian Equity Fund
Fund Category
Canadian Equity
Morningstar Return
Above Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
280
June 2009
February 1991
100%
138.31
5403.54
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.50
0.00
0.06
Management Company
Beutel, Goodman &
Company Ltd.
www.desjardinslife
insurance.com
Web Site
Morningstar Risk
Below Average
30
Underlying Fund
18
Benchmark
10
6
—
—
—
—
—
—
*
&
&
&
(
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
14.5
14.5
17.8
24.1
16.5
17.3
6.4
9.8
-21.7
-33.0
25.5
35.1
17.1
17.6
-5.6
-8.7
12.4
7.2
26.2
13.0
11.5
12.2
Fund Return %
Benchmark %
Investment
High
Category
Investment Objective
The Fund targets an annualized return higher than the
S&P/TSX Index, over four-year moving periods.
3 Yr
4 Yr
5 Yr
10 Yr
18.5
12.1
12.7
7.9
12.2
8.7
10.3
8.5
Portfolio Analysis as at 09-30-2014
% Assets
Equity Style
0.7
0.0
99.3
0.0
0.0
0.0
Market Cap
Mid Small
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Large
Note
2 Yr
21.9
13.6
Composition
Investment Strategy
The fund is currently closed to new defined benefit
plans.
1 Yr
23.0
20.4
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Benchmark
S&P/TSX
The investments are actively managed in order to provide
a superior real return derived from long-term capital
appreciation by investing in a diversified portfolio of
established Canadian issuers. The strategy uses a
disciplined bottom-up, fundamental value approach to
invest in companies trading at discounts to their
business value, based on the belief that stocks
purchased at discount to business value provide a margin
of safety. This combined with a focus on quality
companies with stable, growing businesses, with strong
balance sheets, should provide important downside
protection.
Quartile
as at 09-30-2014
Fund
Benchmark
Volatility Analysis
Moderate
Fund
22
14
Annualized Returns %
Low
Growth of $10,000
26
%
Giant
43.4
Large
Medium
Small
34.3
16.7
4.9
Micro
0.7
Value Blend Growth
Top Ten Holdings
% Assets
Toronto-Dominion Bank
Bank of Nova Scotia
Royal Bank Of Canada
Rogers Communications Inc Class B
CIBC
8.0
6.7
6.6
4.9
4.8
Canadian Natural Resources Ltd
Magna International Inc Class A
Manulife Financial Corp
Cenovus Energy Inc
Great-West Lifeco Inc
4.6
3.9
3.9
3.5
3.4
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
82
72
0
Top Five Countries
Canada
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
100.0
% Equity
0.4
15.1
40.3
6.7
11.9
5.6
8.3
9.5
0.1
2.1
0.0
?
Printed on 10-29-2014
DFS BlackRock® Universe Bond Index Fund
Fund Category
Canadian Fixed Income
Morningstar Return
Below Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
248
January 2003
October 1999
100%
135.71
3858.93
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.20
0.00
0.01
Management Company
BlackRock Asset
Management Canada Ltd
www.desjardinslife
insurance.com
Web Site
20
Fund
Benchmark
16
14
12
10
8
Investment
Moderate
Growth of $10,000
18
Volatility Analysis
Low
Morningstar Risk
Above Average
High
Category
Investment Objective
*
(
*
*
)
)
&
)
(
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
7.0
7.1
6.6
6.5
4.1
4.1
3.6
3.7
6.0
6.4
5.4
5.4
6.8
6.7
9.7
9.7
3.7
3.6
-1.2
-1.2
6.0
5.9
Fund Return %
Benchmark %
Annualized Returns %
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
Fund
Benchmark
6.4
6.3
2.5
2.5
3.5
3.4
4.3
4.2
4.9
4.9
5.3
5.4
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
Ltd
Top Ten Holdings
% Assets
Canada Govt 3.75% 01-06-2019
Canada Govt 4% 01-06-2041
Canada Govt 5% 01-06-2037
Canada Govt 5.75% 01-06-2033
Canada Govt 3.5% 01-12-2045
1.4
1.3
1.2
1.2
1.1
Canada Govt 1% 01-08-2016
Canada Govt 3.5% 01-06-2020
Canada Govt 5.75% 01-06-2029
Canada Hsg Tr No 1 2.75% 15-06-2016
Canada Govt 1.25% 01-02-2016
1.0
1.0
1.0
1.0
0.9
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
Credit Quality
High
Medium
Low
NR/NA
%
68.2
31.0
0.0
0.7
Low
Note
Fixed Income Style
0.3
99.7
0.0
0.0
0.0
0.0
Med
Investment Strategy
BlackRock® is a registered trademark of BlackRock, Inc.
Used under license.
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Benchmark
FTSE TMX Canada Universe
The investments are passively managed in order to
provide a moderate real return derived primarily from
income by investing in a diversified portfolio of Canadian
debt securities. The Fund invests only in top-quality
securities.
Quartile
as at 09-30-2014
High
The Fund aims to reproduce as closely as possible the
annualized return for the FTSE TMX Canada Universe
Index.
(
Mod
Ext
Top Five Countries
Canada
Supranational
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
% Assets
99.8
0.2
% Bond
70.0
29.6
0.0
0.0
0.3
0.2
2
1,001
0
1,000
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
?
Printed on 10-29-2014
DFS BlackRock® Canadian Equity Index Fund
Fund Category
Canadian Equity
Morningstar Return
Below Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
253
January 2003
October 1999
100%
65.47
3890.36
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.20
0.00
0.01
Management Company
BlackRock Asset
Management Canada Ltd
www.desjardinslife
insurance.com
Web Site
Morningstar Risk
Average
25
Fund
Benchmark
19
16
13
10
7
(
*
(
*
*
(
*
*
)
)
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
14.5
14.5
24.1
24.1
17.2
17.3
10.0
9.8
-32.5
-33.0
34.7
35.1
17.6
17.6
-8.8
-8.7
7.1
7.2
13.0
13.0
12.2
12.2
Fund Return %
Benchmark %
Fund
Benchmark
Volatility Analysis
Investment
Moderate
High
Category
Investment Objective
4 Yr
5 Yr
10 Yr
7.9
7.9
8.6
8.7
8.6
8.5
Portfolio Analysis as at 09-30-2014
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Equity Style
0.4
0.0
98.9
0.3
0.1
0.3
Market Cap
Mid Small
Note
3 Yr
12.0
12.1
Composition
Investment Strategy
BlackRock® is a registered trademark of BlackRock, Inc.
Used under license.
2 Yr
13.6
13.6
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Benchmark
S&P/TSX Capped
The investments are passively managed in order to
provide a return derived primarily from capital
appreciation by investing in a broadly diversified
portfolio of Canadian equity securities.
1 Yr
20.4
20.4
Large
The Fund aims to reproduce as closely as possible the
annualized return for the S&P/TSX Capped Composite
Index.
Quartile
as at 09-30-2014
Annualized Returns %
Low
Growth of $10,000
22
%
Giant
46.5
Large
Medium
Small
30.2
19.9
3.4
Micro
0.0
Value Blend Growth
Top Ten Holdings
Royal Bank Of Canada
Toronto-Dominion Bank
Bank of Nova Scotia
Canadian National Railway Co
Suncor Energy Inc
% Assets
Top Five Countries
6.2
5.5
4.5
3.5
3.2
Canada
United States
Colombia
Bank of Montreal
Valeant Pharmaceuticals Intl Inc
Canadian Natural Resources Ltd
Enbridge Inc
TransCanada Corp
2.8
2.6
2.5
2.4
2.2
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
255
249
0
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
Global Equity Sectors
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
99.6
0.3
0.1
% Equity
1.9
25.6
34.5
11.2
5.7
3.0
4.4
8.7
3.2
1.9
0.0
?
Printed on 10-29-2014
DFS BlackRock® US Equity Index Fund
Fund Category
US Equity
Morningstar Return
Above Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
274
November 2008
January 2000
100%
114.82
3838.27
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.20
0.00
0.01
Management Company
BlackRock Asset
Management Canada Ltd
www.desjardinslife
insurance.com
Web Site
Morningstar Risk
Low
25
Underlying Fund
16
Benchmark
10
7
—
—
—
—
—
(
*
&
(
(
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
2.5
2.8
2.0
2.3
15.1
15.4
-10.7
-10.5
-21.5
-21.2
7.7
7.4
9.0
9.1
4.3
4.6
13.1
13.4
40.8
41.3
13.7
14.0
Fund Return %
Benchmark %
Investment
High
Category
Investment Objective
4 Yr
5 Yr
10 Yr
19.3
19.7
16.5
16.6
6.4
6.8
Portfolio Analysis as at 09-30-2014
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Equity Style
0.0
0.0
0.0
99.7
0.3
0.0
Market Cap
Mid Small
Note
3 Yr
25.5
25.9
Composition
Investment Strategy
BlackRock® is a registered trademark of BlackRock, Inc.
Used under license.
2 Yr
27.0
27.4
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Benchmark
S&P 500
The investments are passively managed in order to
provide a return derived primarily from long term capital
appreciation by investing in a largely diversified portfolio
of American equity securities.
1 Yr
29.8
30.2
Large
This fund aims to reproduce the annualized return of the
S&P 500 Index, expressed in Canadian dollars and
reduced by 0.40% to account for the taxes withheld by
the fund, over four-year moving periods.
Quartile
as at 09-30-2014
Fund
Benchmark
Volatility Analysis
Moderate
Fund
19
13
Annualized Returns %
Low
Growth of $10,000
22
%
Giant
51.3
Large
Medium
Small
36.3
12.4
0.0
Micro
0.0
Value Blend Growth
Top Ten Holdings
Apple Inc
Exxon Mobil Corporation
Microsoft Corp
Johnson & Johnson
General Electric Co
% Assets
Top Five Countries
3.4
2.3
2.2
1.7
1.5
United States
Switzerland
Canada
Berkshire Hathaway Inc Class B
Wells Fargo & Co
Procter & Gamble Co
Chevron Corp
JPMorgan Chase & Co
1.4
1.4
1.3
1.3
1.3
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
508
502
0
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
Global Equity Sectors
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
99.8
0.3
-0.1
% Equity
3.0
9.7
16.3
3.5
11.7
9.5
2.4
10.3
13.9
19.7
0.0
?
Printed on 10-29-2014
DFS BlackRock® MSCI EAFE Equity Index Fund
Fund Category
International Equity
Morningstar Return
Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
260
October 2004
May 1999
100%
21.80
2983.58
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.25
0.01
0.02
Management Company
BlackRock Asset
Management Canada Ltd
www.desjardinslife
insurance.com
Web Site
Morningstar Risk
Average
20
Fund
16
Underlying Fund
14
Benchmark
12
10
8
—
(
(
(
*
(
(
(
)
*
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
11.3
11.5
9.5
10.7
25.8
25.9
-5.7
-5.7
-28.9
-29.2
11.7
11.9
2.3
2.1
-9.8
-10.0
14.9
14.7
31.2
31.0
3.9
3.7
Fund Return %
Benchmark %
Volatility Analysis
Investment
Moderate
High
Category
Investment Objective
Fund
Benchmark
4 Yr
5 Yr
10 Yr
9.9
9.7
7.6
7.4
5.1
5.0
Portfolio Analysis as at 09-30-2014
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Equity Style
0.8
0.0
0.2
0.2
98.5
0.3
Market Cap
Mid Small
Note
3 Yr
16.5
16.3
Composition
Investment Strategy
BlackRock® is a registered trademark of BlackRock, Inc.
Used under license.
2 Yr
21.2
21.1
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Benchmark
MSCI EAFE Net
The investments are passively managed in order to
provide a return derived primarily from long term capital
appreciation by investing in a broadly diversified
portfolio of non-North American equity securities.
1 Yr
13.5
13.3
Large
The Fund aims to reproduce as closely as possible the
annualized returns of the MSCI EAFE Net Index,
expressed in Canadian dollars, over four-year moving
periods.
Quartile
as at 09-30-2014
Annualized Returns %
Low
Growth of $10,000
18
%
Giant
59.5
Large
Medium
Small
31.4
8.8
0.0
Micro
0.2
Value Blend Growth
Top Ten Holdings
% Assets
Nestle
Novartis AG
Roche Holding AG Dividend Right Cert.
HSBC Holdings PLC
Toyota Motor Corp
1.8
1.7
1.6
1.5
1.3
Royal Dutch Shell PLC Class A
Total SA
BP
Sanofi
Bayer Ag
1.2
1.1
1.0
1.0
0.9
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
919
906
0
Top Five Countries
Japan
United Kingdom
Germany
France
Switzerland
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
20.8
19.9
9.3
9.2
8.9
% Equity
3.8
6.9
23.7
7.9
10.6
11.0
3.7
12.0
11.2
4.7
4.6
?
Printed on 10-29-2014
Desjardins Global Real Estate Fund
Fund Category
Real Estate Equity
Morningstar Return
Below Average
General Information
Morningstar Risk
Below Average
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
267
May 2007
January 2007
100%
23.27
60.42
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.70
0.02
0.00
Management Company
Desjardins Investments
Inc.
www.desjardinslife
insurance.com
Web Site
14
Benchmark
4
2
Investment
High
Category
Investment Objective
—
—
—
—
)
&
)
&
)
&
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
—
—
—
—
—
41.3
—
-21.5
-35.0
-35.2
20.0
16.5
12.3
13.4
-4.0
-4.1
23.5
24.9
11.3
10.6
13.3
12.1
Fund Return %
Benchmark %
Fund
Benchmark
3 Yr
4 Yr
5 Yr
10 Yr
17.7
17.5
10.9
11.1
11.4
11.4
—
—
Portfolio Analysis as at 09-30-2014
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Equity Style
1.1
0.0
1.0
50.8
47.0
0.0
Market Cap
Mid Small
Note
2 Yr
16.3
15.1
Composition
Investment Strategy
The Underlying Fund reflect the manager's Series I Units.
1 Yr
17.7
15.1
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Benchmark
FTSE EPRA/NAREIT Developed
The investments are actively managed in order to provide
returns comparable to those of real estate markets
trading on stock exchanges around the world derived
primarily from long-term capital appreciation by investing
in global companies and real estate investment trusts.
The investment strategy combines a bottom-up approach
to identify intrinsically undervalued companies and a topdown approach to determine asset allocation based on
the manager's macroeconomic view.
Quartile
as at 09-30-2014
Large
The Fund targets an annualized return higher than the
FTSE EPRA/NAREIT Index, expressed in Canadian dollars,
over four-year moving periods.
Sub-advisor:
CBRE Clarion Securities
Underlying Fund
6
Volatility Analysis
Moderate
Fund
10
8
Annualized Returns %
Low
Growth of $10,000
12
%
Giant
13.0
Large
Medium
Small
41.3
37.3
7.9
Micro
0.4
Value Blend Growth
Top Ten Holdings
% Assets
Mitsui Fudosan Co Ltd
Simon Property Group Inc
Mitsubishi Estate Co Ltd
Equity Residential
Host Hotels & Resorts Inc
4.1
3.9
3.3
3.2
2.9
Health Care REIT, Inc.
Prologis Inc
Sun Hung Kai Properties Ltd
AvalonBay Communities Inc
Vornado Realty Trust
2.9
2.7
2.6
2.2
2.2
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
95
94
0
Top Five Countries
United States
Japan
United Kingdom
Australia
Hong Kong
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
50.8
14.7
7.4
6.5
6.3
% Equity
0.0
0.0
99.3
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
?
Printed on 10-29-2014
Desjardins Short-Term Income Fund
Fund Category
Canadian Short Term Fixed Income
Morningstar Return
Below Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
288
June 2010
June 1965
100%
10.38
1258.57
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.20
0.02
0.00
Management Company
Desjardins Investments
Inc.
www.desjardinslife
insurance.com
Web Site
15
Underlying Fund
12
Benchmark
9
High
Category
Investment Objective
—
—
—
—
—
—
—
)
)
&
(
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
3.0
5.1
0.8
2.4
2.5
4.0
2.4
4.1
5.4
8.6
2.5
4.5
1.7
3.6
4.3
4.7
2.0
2.0
2.2
1.7
2.4
2.1
Fund Return %
Benchmark %
Annualized Returns %
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
Fund
Benchmark
3.4
2.9
2.5
2.1
2.2
2.1
2.6
2.6
1.3
2.9
2.1
3.9
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
Due to restrictions regarding the availability of certain
indices, the benchmark used is the FTSE TMX Canada
Short Term.
Ltd
Top Ten Holdings
% Assets
Canada Hsg Tr No 1 15-03-2018
Hydro Que Medium Term Nts 03-09-2018
Toronto Dominion Bank 2.948% 02-08-2016
Bank of Montreal 3.103% 10-03-2016
Royal Bank Of Canada FRN 09-04-2019
4.8
3.9
3.1
3.0
2.9
Royal Bank Of Canada 3.03% 26-07-2016
Canada Hsg Tr No 1 1.3431% 15-03-2017
Manulife Finl 5.505% 26-06-2018
Canada Govt 1.25% 01-03-2018
Bk N S Halifax 2.74% 01-12-2016
2.4
2.0
2.0
1.9
1.9
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
109
0
99
Credit Quality
High
Medium
Low
NR/NA
%
68.7
28.8
0.0
2.5
Low
The underlying Fund performance returns are net. These
are calculated after the funds operating expenses and
investment fees.
Fixed Income Style
6.2
93.8
0.0
0.0
0.0
0.0
Med
Investment Strategy
Note
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Benchmark
FTSE TMX Canada Short Term
The investments are actively managed in order to provide
a steady and competitive income while protecting capital
by investing in a diversified portfolio of short term
corporate and government bonds. The Fund also invests
in high-quality money market instruments and first
mortgage loans.
Quartile
as at 09-30-2014
High
The fund targets an annualized return of 0.50% higher
than the 50% FTSE TMX Canada Short Term
Government, 50% FTSE TMX Canada Short Term
Corporate Index, over four-year moving periods.
Sub-advisor:
Baker Gilmore
Fund
13
10
Investment
Moderate
Growth of $10,000
14
11
Volatility Analysis
Low
Morningstar Risk
Average
Mod
Ext
Top Five Countries
Canada
Australia
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
99.1
0.9
% Bond
31.0
53.7
0.0
5.5
6.2
3.6
?
Printed on 10-29-2014
Desjardins Global Small Cap Equity Fund
Fund Category
Global Small/Mid Cap Equity
Morningstar Return
Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
297
June 2010
January 2004
100%
3.92
547.11
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.80
0.02
0.00
Management Company
Desjardins Investments
Inc.
www.desjardinslife
insurance.com
Web Site
Morningstar Risk
Below Average
22
13
Benchmark
4
—
—
—
—
—
—
—
(
*
*
&
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
—
15.3
—
12.8
—
16.8
—
-14.5
—
-27.3
16.6
22.4
17.1
19.5
-6.9
-6.8
18.3
14.9
43.3
41.3
8.8
4.3
Fund Return %
Benchmark %
High
Category
Investment Objective
4 Yr
5 Yr
10 Yr
17.7
15.0
12.9
13.6
—
7.5
Portfolio Analysis as at 09-30-2014
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Equity Style
2.8
0.0
10.4
51.9
34.2
0.6
Market Cap
Mid Small
The underlying Fund performance returns are net. These
are calculated after the funds operating expenses and
investment fees.
3 Yr
25.1
21.5
Composition
Investment Strategy
Note
2 Yr
28.6
24.3
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Benchmark
MSCI World Small Cap Net
The investments are actively managed in order to provide
long-term capital appreciation by investing in a
diversified portfolio of equity securities of small-cap
Canadian and foreign companies. The Fund has two
components. One invests using a growth style, the other
using a value style. The growth-oriented manager seeks
high growth securities with above average earnings
potential. The value-oriented manager seeks securities
that are trading at a reasonable price relative to their
intrinsic value.
1 Yr
21.5
15.9
Large
The Fund targets an annualized return of 2.00% higher
than the MSCI World Small Cap Net Index, over fouryear moving periods.
Quartile
as at 09-30-2014
Fund
Benchmark
Investment
Sub-advisors:
GlobeFlex Capital, L.P.
Lazard Asset Management LLC
Underlying Fund
7
Volatility Analysis
Moderate
Fund
16
10
Annualized Returns %
Low
Growth of $10,000
19
Giant
%
0.0
Large
Medium
Small
2.5
48.9
37.3
Micro
11.3
Value Blend Growth
Top Ten Holdings
% Assets
Lear Corp
ICA Gruppen
Extra Space Storage Inc
SM Energy Co
Ingenico Group SA
1.3
1.2
1.1
1.0
1.0
Performance Sports Group Ltd
Ubisoft Entertainment
Stantec Inc
Autoneum Holding AG
Taminco Corp
0.9
0.9
0.9
0.9
0.9
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
267
265
0
Top Five Countries
United States
Canada
Japan
United Kingdom
France
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
51.9
13.2
7.6
7.5
3.9
% Equity
0.5
7.9
22.6
7.3
17.2
2.7
1.6
15.9
6.8
17.6
0.0
?
Printed on 10-29-2014
DGIA Money Market Fund
Fund Category
Canadian Money Market
Morningstar Return
N/A
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
213
November 1981
May 2013
100%
59.85
86.87
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.12
0.00
0.02
Management Company
Desjardins Global Asset
Management Inc.
www.desjardinslife
insurance.com
Web Site
15
Fund
Benchmark
13
12
11
10
9
Investment
Moderate
Growth of $10,000
14
Volatility Analysis
Low
Morningstar Risk
N/A
High
Category
Investment Objective
&
(
*
&
*
&
&
&
&
&
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
2.5
2.3
2.7
2.6
4.0
4.0
4.6
4.4
3.8
3.3
1.1
0.6
0.8
0.5
1.3
1.0
1.4
1.0
1.7
1.0
1.2
0.7
Fund Return %
Benchmark %
Annualized Returns %
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
Fund
Benchmark
1.5
0.9
1.6
1.0
1.5
1.0
1.4
1.0
1.3
0.9
2.3
2.0
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
Ltd
Top Ten Holdings
% Assets
Credit Quality
High
Medium
Low
NR/NA
%
53.0
40.0
0.0
7.1
Low
Note
Fixed Income Style
64.6
35.4
0.0
0.0
0.0
0.0
Med
Investment Strategy
Desjardins Global Asset Management Inc. has managed
this fund since November 23, 2012. Between September
2003 and November 2012, the fund was managed by
Fiera Inc.
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Benchmark
FTSE TMX Canada 91-day Treasury Bills
The investments are actively managed in order to ensure
capital protection and provide regular income by
investing in a portfolio of short-term notes of
governments and corporations.
Quartile
as at 09-30-2014
High
This fund targets an annualized return higher than that of
the FTSE TMX Canada 91 Day Treasury Bill Index, over
one-year moving periods.
&
Mod
Ext
Top Five Countries
Plenary Health Care Partnershp 2.633%
18-08-2016
Toronto Dominion Bank Cds FRN 02-04-2020
Royal Bank Of Canada 4.35% 15-06-2020
Daimler Cda Fin 16-07-2015
Hydro Que Ctf Dep Bk Entry Cds (ST)
9.6
Canada
9.3
8.8
8.8
7.5
Fixed Income Breakdown
Manulife Finl 4.079% 20-08-2015
National Bank Of Canada 4.03% 26-05-2015
CIBC 2.2% 22-05-2015
Honda Canada Finance, Notes 10-12-2014
Bank of Montreal 1.89% 05-10-2015
5.9
5.9
5.8
5.7
5.4
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
26
0
5
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
100.0
% Bond
0.0
35.4
0.0
0.0
64.6
0.0
?
Printed on 10-29-2014
Fiera Long Term Bond Fund
Fund Category
Canadian Long Term Fixed Income
Morningstar Return
Above Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
249
January 2003
July 2010
100%
119.90
527.37
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.30
0.00
0.07
Management Company
Web Site
Fiera Capital Corporation
www.desjardinslife
insurance.com
25
Fund
Benchmark
19
16
13
10
7
)
)
*
&
&
)
*
&
*
(
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
9.7
10.3
13.2
13.8
4.2
4.1
4.2
3.4
4.5
2.7
4.9
5.5
12.9
12.5
18.5
18.1
5.8
5.2
-6.3
-6.2
11.6
11.6
Fund Return %
Benchmark %
Fund
Benchmark
Investment
Quartile
as at 09-30-2014
Annualized Returns %
Moderate
Growth of $10,000
22
Volatility Analysis
Low
Morningstar Risk
Below Average
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
11.3
11.3
2.4
2.4
5.1
5.0
6.7
6.5
7.9
7.6
7.6
7.4
High
Category
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Investment Objective
The Fund targets an annualized return of 0.30% higher
than the FTSE TMX Canada Long Term Index, over fouryear moving periods.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Province Of Ontario 3.45% 02-06-2045
Province Of Ontario 3.5% 02-06-2024
Ontario Prov Cda 4.7% 02-06-2037
Ontario Prov Cda 6.5% 08-03-2029
Alberta Prov 3.9% 01-12-2033
7.2
6.8
6.3
4.3
4.1
Canada Govt 1% 01-11-2015
Alberta Prov Cda 3.45% 01-12-2043
Province Of Ontario 3.5% 02-06-2043
Canada Govt 3.5% 01-12-2045
Royal Office Fin L P 5.209% 12-11-2032
4.1
3.9
3.6
3.5
3.4
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
75
0
69
High
Medium
Low
NR/NA
%
63.5
30.9
0.0
5.7
Low
Ltd
Top Ten Holdings
Credit Quality
Med
Investment Strategy
Fixed Income Style
3.1
96.9
0.0
0.0
0.0
0.0
High
Benchmark
FTSE TMX Canada Long Term
The investments are actively managed in order to provide
a moderate return derived from income, by investing
primarily in Canadian government and corporate bonds
with maturities of over 10 years. The choice of fixedincome securities and their relative weight to the Index
is a crucial part of the Fund's strategy. The duration
management, based on interest rate forecasts, is another
important strategic tool used for this mandate.
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Mod
Ext
Top Five Countries
Canada
Fixed Income Breakdown
Government Bonds
Corporate Bonds
Other Bonds
Mortgages/MBS
ST Investments (Cash & Other)
Asset Backed Securities
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
100.0
% Bond
63.5
33.4
0.0
0.0
3.1
0.0
?
Printed on 10-29-2014
GE U.S. Core Equity Fund
Fund Category
US Equity
Morningstar Return
Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
281
August 2009
February 2000
100%
22.05
106.53
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.70
0.02
0.00
Management Company
Web Site
GE Asset Management Inc.
www.desjardinslife
insurance.com
25
Fund
19
Underlying Fund
16
Benchmark
10
7
—
—
—
—
—
—
)
*
(
&
&
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
2.0
2.8
1.9
2.3
17.8
15.4
-6.2
-10.5
-15.6
-21.2
7.6
7.4
7.3
9.1
2.0
4.6
11.9
13.4
43.8
41.3
15.0
14.0
Fund Return %
Benchmark %
Fund
Benchmark
Investment
Quartile
as at 09-30-2014
Annualized Returns %
Moderate
Growth of $10,000
22
13
Volatility Analysis
Low
Morningstar Risk
Average
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
29.8
30.2
29.3
27.4
26.4
25.9
19.2
19.7
15.8
16.6
7.4
6.8
High
Category
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Investment Objective
The Fund targets an annualized return of 2.0% higher
than the S&P 500 Index, expressed in Canadian dollars,
over four-year moving periods.
Portfolio Analysis as at 09-30-2014
Composition
Market Cap
Mid Small
Investment Strategy
Equity Style
0.1
4.1
0.6
94.8
0.4
0.0
Large
Benchmark
S&P 500
The investments are actively managed in order to provide
a superior real return mainly through long-term growth of
capital by investing in a diversified portfolio of U.S.
equities of large and medium capitalization companies.
Security selection favours companies which are believed
to be undervalued by the market but have solid growth
prospects by employing a relative value approach to
identify companies across all economic sectors which
are undervalued relative to the market, their peers, their
historical valuation or their growth rate.
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
%
Giant
47.8
Large
Medium
Small
40.7
11.5
0.0
Micro
0.0
Value Blend Growth
Top Ten Holdings
% Assets
Ssc Government Mm Gvxx 31-12-2030
S+p500 Emini Fut Dec14 Xcme 20141219
19-12-2014
Verizon Communications Inc
Apple Inc
Pfizer Inc
4.1
3.7
Citigroup Inc
Johnson & Johnson
Exxon Mobil Corporation
PepsiCo Inc
Cisco Systems Inc
2.4
2.4
2.4
2.2
2.1
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
207
203
1
2.5
2.5
2.4
Top Five Countries
United States
Canada
United Kingdom
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
98.9
0.7
0.4
% Equity
3.7
13.0
20.4
1.9
10.7
10.1
2.7
9.2
14.3
14.1
0.0
?
Printed on 10-29-2014
Hexavest Global Equities Fund
Fund Category
Global Equity
Morningstar Return
Below Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
278
March 2009
June 2004
100%
150.08
3797.04
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.70
0.00
0.05
Management Company
Web Site
Hexavest Inc.
www.desjardinslife
insurance.com
25
Fund
19
Underlying Fund
16
Benchmark
10
7
—
—
—
—
—
—
(
&
)
*
*
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
—
6.4
9.1
6.7
18.4
19.6
-9.8
-7.5
-8.6
-25.8
11.5
10.4
3.4
5.9
0.2
-3.2
10.2
13.3
32.9
35.2
9.3
9.3
Fund Return %
Benchmark %
Fund
Benchmark
Investment
Quartile
as at 09-30-2014
Annualized Returns %
Moderate
Growth of $10,000
22
13
Volatility Analysis
Low
Morningstar Risk
Low
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
20.7
22.0
21.2
23.8
18.7
20.7
13.1
14.3
10.6
11.8
7.5
5.8
High
Category
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Investment Objective
The Fund targets an annualized return of 2% higher than
the MSCI World Net Index, expressed in Canadian
dollars, over four-year moving periods.
Portfolio Analysis as at 09-30-2014
Composition
Note
The Total Number of Stock Holdings includes indirect
holdings comprised of the underlying stocks of Equity
Futures and/or ETFs held by the Fund. The Total Number
of Stock Holdings held directly by the Fund is
approximately 325.
Market Cap
Mid Small
Investment Strategy
Equity Style
9.4
0.0
1.4
50.2
38.8
0.3
Large
Benchmark
MSCI World Net
The investments are actively managed in order to provide
long term capital growth by investing in securities
around the world. The manager top-down approach
consists in active management at each decisional level
(regional allocation, country selection, sector allocation,
stock selection and currency management) in order to
diversify the sources of added value and reduce related
portfolio risk. The primary decisions are governed by a
fundamental analysis of macro economic factors and are
supported by quantitative models.
% Assets
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
%
Giant
67.5
Large
Medium
Small
24.6
6.7
1.2
Micro
0.1
Value Blend Growth
Top Ten Holdings
% Assets
Exxon Mobil Corporation
Microsoft Corp
Apple Inc
Johnson & Johnson
Pfizer Inc
2.4
2.2
2.0
1.7
1.7
Procter & Gamble Co
Wal-Mart Stores Inc
Chevron Corp
Coca-Cola Co
Merck & Co Inc
1.6
1.6
1.5
1.4
1.4
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
2,742
2,736
0
Top Five Countries
United States
Canada
Japan
United Kingdom
Switzerland
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
50.2
10.8
10.7
9.0
4.6
% Equity
6.7
9.3
15.0
3.6
8.4
15.3
8.0
6.0
16.0
11.6
0.0
?
Printed on 10-29-2014
Montrusco Bolton Canadian Small Cap Equity Fund
Fund Category
Canadian Small/Mid Cap Equity
Morningstar Return
Below Average
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
272
August 2008
December 1984
100%
65.11
714.43
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.60
0.01
0.06
Management Company
Montrusco Bolton
Investments Inc.
www.desjardinslife
insurance.com
Web Site
Morningstar Risk
Above Average
60
Underlying Fund
30
Benchmark
10
0
Volatility Analysis
Investment
Moderate
Fund
40
20
—
—
—
—
—
&
&
(
)
)
(
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
27.3
—
24.1
—
15.2
—
17.4
—
-43.8
—
68.1
84.2
39.5
40.5
-11.1
-16.7
4.2
-2.2
19.3
7.6
6.1
7.0
Fund Return %
Benchmark %
High
Category
Investment Objective
Fund
Benchmark
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
11.4
6.2
12.5
5.7
8.7
3.5
14.2
8.2
11.6
—
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Investment Strategy
Equity Style
2.3
0.0
97.7
0.0
0.0
0.0
Market Cap
Mid Small
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Benchmark
S&P/TSX Small Cap
The investments are actively managed in order to provide
a long-term return derived primarily from capital
appreciation by investing in a concentrated portfolio of
small Canadian companies. The Fund may also hold
short-term securities and foreign equities. Security
selection targets companies with above-average longterm earnings growth prospects.
1 Yr
14.0
14.4
Large
This fund targets an annualized return at least 2.50%
higher than that of the S&P/TSX Small Cap Index, over
four-year moving periods.
Quartile
as at 09-30-2014
Annualized Returns %
Low
Growth of $10,000
50
Giant
%
0.0
Large
Medium
Small
0.0
24.6
62.0
Micro
13.3
Value Blend Growth
Top Ten Holdings
% Assets
Home Capital Group Inc
Black Diamond Group Ltd
Osisko Gold Royalties Ltd
Alaris Royalty Corporation
Parex Resources Inc
5.2
4.8
4.6
4.4
3.6
Canadian Energy Services & Tech Corp
Laurentian Bank of Canada
Western Forest Products Inc
Boyd Group Income Fund
High Liner Foods Inc
3.5
3.4
3.4
3.3
3.3
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
2
49
47
0
Top Five Countries
Canada
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
100.0
% Equity
0.0
26.7
16.0
20.1
6.7
8.7
0.0
13.9
1.2
6.7
0.0
?
Printed on 10-29-2014
Sprucegrove International Equity Fund
Fund Category
International Equity
Morningstar Return
N/A
General Information
Performance Analysis as at 09-30-2014
Fund Code
Fund Inception
Underlying Inception
Registered Plan Eligibility
Fund Assets ($Mil)
Underlying Assets ($Mil)
287
March 2010
April 1985
100%
32.93
5886.60
Investment Fees %
Operating Expenses %
Underlying Operating
Expenses %
0.70
0.01
0.03
Management Company
Sprucegrove Investment
Management, Ltd.
www.desjardinslife
insurance.com
Web Site
Morningstar Risk
N/A
25
Fund
19
Underlying Fund
16
Benchmark
13
10
7
—
—
—
—
—
—
—
—
—
—
—
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
YTD
Calendar Year
16.0
11.5
11.5
10.7
30.6
25.9
-10.0
-5.7
-28.1
-29.2
17.0
11.9
12.6
2.1
-8.3
-10.0
15.2
14.7
25.9
31.0
4.5
3.7
Fund Return %
Benchmark %
Fund
Benchmark
Volatility Analysis
Investment
Moderate
High
Category
Investment Objective
2 Yr
3 Yr
4 Yr
5 Yr
10 Yr
18.7
21.1
15.6
16.3
10.1
9.7
9.2
7.4
6.3
5.0
Disclosure The above data represents past performance returns, which is not indicative of future results. These are gross performance
returns, calculated after the fund's operating expenses, but before investment fees. For more information, please contact Desjardins
Insurance's Customer Contact Centre at 1-800-968-3587.
Portfolio Analysis as at 09-30-2014
Composition
% Assets
Investment Strategy
Equity Style
3.5
0.0
0.0
0.0
96.5
0.0
Market Cap
Mid Small
Cash
Fixed Income
Canadian Equity
US Equity
International Equity
Other
Benchmark
MSCI EAFE Net
The investments are actively managed in order to provide
long-term capital appreciation by investing in a
diversified portfolio of international equities.
Sprucegrove employs a value approach to the
management of equities. It focuses on the selection of
individual common stocks using bottom-up, research
driven approach. Country and sector exposures are a
residual of this stock selection process.
1 Yr
13.3
13.3
Large
The Fund targets an annualized return of 1% to 2%
higher than the MSCI EAFE Net Index, expressed in
Canadian dollars, over 4-year moving periods.
Quartile
as at 09-30-2014
Annualized Returns %
Low
Growth of $10,000
22
%
Giant
51.4
Large
Medium
Small
26.5
21.3
0.8
Micro
0.0
Value Blend Growth
Top Ten Holdings
% Assets
Novartis AG
HSBC Holdings PLC
Banco Santander SA
Total SA
Royal Dutch Shell PLC Class B
3.8
3.0
3.0
2.6
2.6
CRH PLC
United Overseas Bank Ltd
Nestle SA
China Mobile Ltd
Bayerische Motoren Werke AG
2.4
2.2
2.2
2.1
2.1
Total Number of Portfolio Holdings
Total Number of Underlying Holdings
Total Number of Stock Holdings
Total Number of Bond Holdings
89
89
87
0
Top Five Countries
United Kingdom
Japan
Switzerland
Singapore
Hong Kong
Global Equity Sectors
Utilities
Energy
Financials
Materials
Consumer Discretionary
Consumer Staples
Telecommunication Services
Industrials
Health Care
Information Technology
Unclassified
©2014. Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or
timely. Morningstar is not responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This fund is an investment product offered under an
insurance contract issued by Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
% Assets
18.8
16.3
9.9
6.7
6.3
% Equity
3.5
11.8
14.3
13.2
12.4
4.9
3.0
18.1
7.1
11.6
0.0
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