Chorus II Portfolios

Investing with distinction

Turnkey solution for initial investment of $100,000 and above
Objective: Optimize net after-tax income
Multiple retirement income options
Six portfolios for all investor profiles
Two versions: Trust Class and Corporate Class

Characteristics
Eligibility	- Trust Class: Tax-regulated plans (TFSA, RRSP and others) - Corporate Class: non-registered accounts
Tax efficiency	- Applies to Corporate Class portfolios - No tax consequences for in-class transfers - Explanations - Simulation
Fee discounts	- Fees decrease as the total value of assets in Desjardins Funds investment solutions rises - Discount is invested quarterly in additional units in your account
Rebalancing	- Regular - Non-automated: The manager has the leeway to act in your interest when the time is right
Portfolio makeup	- Selection of Desjardins Funds - Exchange-traded funds and other securities
Asset classes	- Fixed-income securities - Equities - Specialty funds

Family of Chorus II Portfolios

6 portfolios

Ranked below by increasing order of risk, Chorus II portfolios include fixed-income securities, equities and exchange-traded funds from all parts of the world in varying proportions.


	Conservative Listed – Focus on bonds With a view to producing high income
	Balanced Income – To provide steady income With some capital growth
	Balanced Growth – A well-tuned mix That almost equally blends fixed income securities and equities
	Growth – Equities form the majority With a view to growth and some income
	High Growth – Solid market exposure To capitalize on corporate growth
	Maximum Growth – Building on the market With a view to long-term growth

Investment approach

Your Desjardins advisor :

Determines your investor profile with you
Guides you in choosing the portfolio that's right for you
Monitors your investment strategy to ensure it meets your needs at all times

The Chorus porfolios have evolved. You can monitor your Chorus Porfolio's return here. For any other question regarding your Chorus Portfolio, please contact your advisor.

How to get this service
Online	AccèsD allows you to acquire shares in a Desjardins Funds that you already hold (Desjardins Funds existing accounts).

By phone (Members)	Montreal area: 514-522-2373 Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)

At the caisse	Make an appointment with a caisse advisor: online by phone