Donnez-vous les moyens de réaliser vos projets. An investment solution in tune with your needs

Transcription

1 Donnez-vous les moyens de réaliser vos projets An investment solution in tune with your needs

2 Melodia Portfolios So much more than an investment solution You ve got obligations, and money just keeps slipping through your fingers. Debt payments and current expenses take a real bite out of your budget. What s left to invest? Do you have the time to think about your longer term plans? Your children s education, your retirement or that trip you d love to take? Wouldn t know where to begin or don t think you have the means? It s time you look at Melodia Portfolios. So much more than an investment solution, it s a whole set of tools to help you manage your finances more easily and realize your plans at your own pace.

3 Melodia Portfolios... A personalized approach Personalized advice so you can make informed decisions Two investment options to better meet your objectives: - Melodia Income Portfolios - Melodia Growth Portfolios Flexible income options Peace of mind An all-in-one solution for your investments Tools and resources to help you manage your finances more easily Access to your money free of charge, at any time An affordable choice Initial investment of $500 1 or more; or regular instalments of $25 (totalling at least $1,000 the first year). Regular instalments - You decide on the instalment frequency and amount to be withdrawn directly from your account and invested in your Melodia Portfolio - You can change the amount and frequency of your instalments at any time - Everything is automatic. You invest at your own pace! 1 Valid as of November 12, MELODIA PORTFOLIOS

4 A personalized approach Ask your questions and make informed decisions! Your Desjardins advisor is the best person to help you reach your objectives more easily and at your own pace. Did you know that he can also help you take stock of your situation and help you simplify managing your finances. Your advisor can help you: Review your budget to free up money that you can invest for specific purposes Decide on how much you want to invest in automatic regular instalments, so you don t have to give them a second thought Save on your income tax using registered plans 2 to help finance your children s or grandchildren s education, your longer term projects or your retirement dreams Plan your retirement - By going over with you the key elements to keep in mind when you re making your plan - By making projections about what your investments will be worth when you retire Manage your retirement income - By suggesting income options tailored to your needs It all STARTs when you meet with your Desjardins advisor Talk to your advisor about your plans and your financial situation. Ask about tips and tricks you can use to manage your personal finances more easily. Then, identify your investment objectives together and choose the Melodia Income Portfolio* or Melodia Growth Portfolio* that best meets your needs. 2 The most common are the following: Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), Registered Education Savings Plan (RESP), Registered Retirement Income Fund (RRIF). 04 MELODIA PORTFOLIOS

5 Two investment options to better meet your objectives What do you want from your investments? Looking for conservative management for your investments, while investing in stock markets? Want to grow your investments as much as possible over the long term? With Melodia Portfolios, whether you re starting your career, are well established or are nearing retirement, whatever your stage in life, the choice is yours! Melodia Income Portfolios Are right for you if: You want to be in on the stock market, but you have a more conservative profile You prefer the idea of steady expected returns to higher variable expected returns You want to minimize fluctuations in the value of your investments from sharp ups and downs Melodia Growth Portfolios Are right for you if: You want to grow your investment over the long term You prefer the idea of higher variable expected returns to steady expected returns You can accept seeing the value of your investments vary from significant ups and downs Flexible income options You ve saved your entire life and it s now time to draw a salary from your investments? Melodia Portfolios offer you two options to do so: Customized income T-Class 3 Available with Melodia Income Portfolios and Melodia Growth Portfolios Available with Melodia Income Portfolios This personalized option allows you to tailor your withdrawals to your needs and your lifestyle. This option is for you if your investments are in a non-registered account and you want to draw income from your investments while benefitting from a tax deferral. 3 Offered as of February MELODIA PORTFOLIOS

6 Peace of mind An all-in-one solution for your investments Spread across several asset classes in various markets Your Melodia Portfolio is made up of a set of Desjardins Funds that invest mainly in: - Fixed-income securities, such as bonds - Growth securities, such as stocks By avoiding having all your eggs in one basket, you can enjoy the benefits of stock market exposure while reducing the risk of seeing your investments fluctuate through sharp ups and downs. Always reflects your investor profile Your Melodia Portfolio is monitored every day and adjusted as needed by Desjardins Global Asset Management portfolio managers to ensure it reflects your investor profile at all times Managed by world-renowned managers With Melodia Portfolios, you enjoy the benefits of preferred access to portfolio managers that rank among the best in the world Carefully chosen and regularly monitored by Desjardins Global Asset Management, they make key decisions regarding your investments selecting the Desjardins Funds securities that make up your Melodia Portfolio with the goal of maximizing investment performance. Tools and resources To help you manage your finances more easily 1 Access your Melodia Portfolio with a click through AccèsD Internet Make new instalments online View your investment statement online every quarter 2 Easily and quickly manage your budget with the My budget tool on AccèsD Internet Get an accurate picture of your everyday income and expenses with automatic categorization of all your transactions (caisse and VISA accounts) Set realistic budget goals See where you can free up money to carry out your projects 3 Discover concrete strategies for managing your money Get action plans and tips for your finances Available in the education zone at desjardins.com/en/coopmoi 4 Learn more about investing and the stock market at desjardinsfunds.com Find out about different aspects of investing Access calculators 5 Keep up to date on financial news and your Melodia Portfolio results Read the InfoFunds newsletter published with your Melodia Portfolio quarterly statement. 06 MELODIA PORTFOLIOS

7 Follow their lead. Get a taste for investing with Melodia Portfolios. Anne-Marie Jean Yannick Martin Man Tat Cheng Jocelyne Gosselin Age 29 New Mom Age 41 Busy Dad Age 57 Handyman Age 71 Happily Retired I can t believe it! My mind s at ease! A project is coming together The best of both worlds Rent, insurance, current expenses... I never thought I d be able to invest. But I did it! Everyone can afford a Melodia Portfolio. Since the kids arrived, everything goes by so fast... We don t have time to manage our investments. That s why we opted for a Melodia Portfolio. The regular instalment formula is absolutely great. In under 5 years, I intend to retire. The purpose of my Melodia Portfolio is to generate regular income and still let me in on the stock market. It s exactly what I need. Want to be like them? For more information, Talk to your Desjardins advisor, or Call 514-CAISSES / CAISSES, or Visit desjardinsfunds.com/melodia

8 Desjardins Desjardins Group is the leading cooperative financial group in Canada and the fifth largest in the world. The scope of our product and service offer is unique, encompassing expertise in wealth management, life and health insurance, property and casualty insurance and financial services for individuals and businesses. $200 billion in assets under management million members and clients 4th safest institution in North America 2 Desjardins Funds One of the largest mutual fund manufacturers in Canada, Desjardins Funds offers investment products that meet the varied and evolving needs of Canadian investors. A pioneer in socially responsible investing, the company sets itself apart with its innovative portfolios and funds which have been repeatedly honoured by the industry. $16 billion in assets under management 3 54 mutual funds and 3 families of portfolios More than 55 years of experience and the trust of close to 500,000 investors 1 At January 1, World s 50 Safest Banks 2013 rankings by Global Finance. 3 At June 28, desjardinsfunds.com/melodia 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 Desjardins Financial Services Firm Inc., a mutual fund dealer belonging to Desjardins Group that distributes the Funds in caisses throughout Québec and Ontario, as well as through the Centre financier Desjardins. * To distribute Melodia Income Portfolios and/or Melodia Growth Portfolios, your advisor must be Mutual Fund Sales Representative of Desjardins Financial Services Firm Inc. This document was printed on Cascades Rolland Enviro100 paper. FKF34105 (10-13)