Portfolios for peace of mind
Turnkey solutions to invest in a variety of investment funds based on your investor profile.
Benefits of the FÉRIQUE Portfolios
Suited to different types of investors
Each FÉRIQUE Portfolio is tailored to a specific investor profile, allowing you to invest based on your own risk tolerance.
The Portfolios invest across a range of asset classes and regions of the world, using different management styles.
Regularly rebalanced
Our Portfolios are regularly rebalanced by experts to maintain the right balance between risks and returns and avoid making decisions influenced by emotions.
6 FÉRIQUE Portfolios
Based on their risk level, FÉRIQUE Portfolios are each suited for a different investor profile, from the most cautious to the more aggressive. They follow a precise asset allocation to help you reach your goals.
The Portfolio is comprised of 85% fixed income funds and 15% equity funds to provide investment income and, to a lesser extent, capital appreciation through diversification among different types of investments. It mainly invests in mutual funds that are exposed to bond securities, money market securities and, to a lesser extent, Canadian and foreign equities.
The Portfolio is comprised of 70% income funds and 30% equity funds to maximize investment income and, to a lesser extent, provide long-term capital appreciation through diversification among different types of investments. It mainly invests in mutual funds that are exposed to bond securities, Canadian and foreign equities, as well as money market securities.
The Portfolio is comprised of 40% fixed income funds and 60% equity funds to maximize long-term capital gain through diversification among different types of investments. It mainly invests in mutual funds that are exposed to bond securities, Canadian and foreign equities, as well as money market securities.
The Portfolio is comprised of 30% fixed income funds and 70% equity funds to maximize long-term capital growth through diversification among different types of investments. It mainly invests in mutual funds that are exposed to Canadian and foreign equities, bond securities, as well as money market securities.
The Portfolio is comprised of 15% fixed income funds and 85% equity funds to maximize long-term capital growth through diversification among different types of investments. It mainly invests in mutual funds that are exposed to Canadian and foreign equities and, to a lesser extent, bond securities and money market securities.
The FÉRIQUE 100% Equity Portfolio seeks to maximize long-term capital growth by a policy of diversification among different types of investments. It mainly invests in mutual funds that are exposed to Canadian and foreign equities.
As a rule, higher-risk investments offer you a chance to earn higher returns. It means that the higher the Portfolio’s allocation to equity funds is, the higher the potential returns it will offer. Talk to a member of our Advisory Services team to determine which Portfolio fits your investor profile.
Target allocation of FÉRIQUE Portfolios
| FÉRIQUE Conservative Portfolio |
FÉRIQUE Moderate Portfolio |
FÉRIQUE Balanced Portfolio |
FÉRIQUE Growth Portfolio |
FÉRIQUE Aggressive Portfolio |
FÉRIQUE 100% Equity Portfolio |
|
|---|---|---|---|---|---|---|
| Income Funds | ||||||
| Cash | ||||||
| Cash | 9.0% | 5.5 % | 1.0% | 1.0% | 1.0% | 1.0% |
| FÉRIQUE Canadian Bond | ||||||
| FÉRIQUE Canadian Bond | 58.0% | 48.0% | 13.5% | 18.5% | 10.5% | 0.0% |
| FÉRIQUE Global Sustainable Development Bond | ||||||
| FÉRIQUE Global Sustainable Development Bond | 13.5% | 12.0% | 9.5% | 6.0% | 2.0% | 0.0% |
| FÉRIQUE Globally Diversified Income | ||||||
| FÉRIQUE Globally Diversified Income | 5.0% | 5.0% | 8.0% | 5.0% | 1.5% | 0.0% |
| Fixed income | ||||||
| Fixed income | 85.5% | 70.5% | 41.0% | 30.5% | 15.0% | 0.0% |
| Equity Funds | ||||||
| FÉRIQUE Canadian Dividend Equity | ||||||
| FÉRIQUE Canadian Dividend Equity | 6.0% | 7.5% | 7.0% | 4.0% | 0.0% | 0.0% |
| FÉRIQUE Canadian Equity | ||||||
| FÉRIQUE Canadian Equity | 1.5% | 6.0% | 11.5% | 17.5% | 26.5% | 30.0% |
| FÉRIQUE American Equity | ||||||
| FÉRIQUE American Equity | 1.5% | 3.5% | 17.5% | 18.5% | 22.5% | 30.0% |
| FÉRIQUE International Equity Fund | ||||||
| FÉRIQUE International Equity Fund | 1.5% | 2.5% | 9.0% | 9.5% | 11.5% | 15.0% |
| FÉRIQUE World Dividend Equity | ||||||
| FÉRIQUE World Dividend Equity | 2.5% | 5.5% | 0.0% | 0.0% | 0.0% | 0.0% |
| FÉRIQUE Emerging Markets Equity | ||||||
| FÉRIQUE Emerging Markets Equity | 0.0% | 0.0% | 5.0% | 5.0% | 5.5% | 7.0% |
| FÉRIQUE Global Sustainable Development Equity | ||||||
| FÉRIQUE Global Sustainable Development Equity | 3.5% | 3.5% | 4.5% | 7.5% | 7.5% | 5.0% |
| FÉRIQUE Global Innovation Equity | ||||||
| FÉRIQUE Global Innovation Equity | 0.0% | 0.0% | 4.5% | 7.5% | 11.5% | 12.0% |
| Equity | ||||||
| Equity | 14.5% | 29.5% | 59.0% | 69.5% | 85.0% | 100.0% |
Fund management at a glance
FÉRIQUE Fund Management selects and closely monitors world respected managers, while paying special attention to risk management.
We’ve been committed to responsible investment for close to 20 years, allowing you to help create a better future without jeopardizing the returns on your investments.
Our Funds seek to outperform industry medians with reasonable risk. When you invest in FÉRIQUE Funds, you pay some of the lowest management fees in Canada.*
FÉRIQUE Funds, which comprise most of our Portfolios, allow you to invest directly in various sectors of the economy, regions of the world or asset classes to better diversify your investments.
To invest in a Fund or find out if it is suitable for your investor profile, contact FÉRIQUE Investment Services, the principal distributor of the FÉRIQUE Funds.
Regulatory documents
The Prospectus seeks to protect investors by providing them with all the information they need to make informed investment decisions.
As required by law, this document must present comprehensive, full and true disclosure of all material facts regarding the securities to be issued. It contains detailed information on each Fund, while also describing:
- Risks associated with different types of investments
- Conditions to purchase or redeem securities
- Fees
- Income tax considerations
- Legal rights of investors
The Prospectus must be provided to anyone upon request. Investors who read closely this document are better equipped to assess the quality of different investment vehicles and determine if the potential returns and associated risks are in line with their specific needs and goals.
The Annual Information Form is incorporated by reference into the Prospectus and provides additional information about the Funds and their operations that is not otherwise disclosed in the Prospectus, including:
- The history of the Funds
- Investment restrictions that apply to the Funds
- Valuation method for portfolio securities
- Description of the people in charge of the Funds’ operations, including
- dministrators and directors of FÉRIQUE Fund Management
- Description of the Fund governance measures in place
- Detailed description of the income tax considerations of investing in the Funds
The Fund Facts is a document that presents key information any investor should know before investing in a mutual fund. It highlights, among other things, the fund’s performance, as well as the risks and fees related to acquiring and holding securities of the investment fund. It helps you make informed decisions, and better compare different funds within the same investment management company or across different companies. Fund Facts are sent to everyone who invest in the Funds.
The Portfolio Overview is comprised of a list of the top 25 holdings of each Fund, as well as a description of the net asset value mix and portfolio allocation. This document is prepared for each individual Fund for quarters ending March 31 and September 30 of each year.
Investment Portfolios - as at March 31
Investment Portfolios - as at September
FÉRIQUE Funds’ Independent Review Committee was established on May 1, 2007, in accordance with the rules set out by the Canadian Securities Administrators in National Instrument 81-107. The role of the IRC is to approve or make recommendations with regard to conflicts of interest that were identified as such by FÉRIQUE Fund Management in its capacity as manager of the FÉRIQUE Funds. The Independent Review Committee’s Report presents the work undertaken by members of the committee during the fiscal year.
* Management expense ratios for FÉRIQUE Funds and Portfolios are among the lowest in Canada compared with their reference universe, according to Fundata Canada Inc.
FÉRIQUE is a registered trademark of Gestion FÉRIQUE and is used under license by its subsidiary, Services d'investissement FÉRIQUE. Gestion FÉRIQUE is an Investment Fund Manager and assumes management duties in relation to the FÉRIQUE Funds. Services d'investissement FÉRIQUE is a Mutual Fund Dealer and a Financial Planning Firm, as well as the Principal distributor of the FÉRIQUE Funds. Please note that for commercial purposes, Services d'investissement FÉRIQUE is also known in English as FÉRIQUE Investment Services. There may be brokerage fees, trailing commissions, management fees and expenses associated with investment in the Funds. Management expense ratios vary from one year to another. Please read the prospectus before investing. Mutual funds are not guaranteed, their values fluctuate frequently and past performance may not be repeated.