This section will help you choose the investment vehicle best suited to your client's investor profile.
Index Accounts
The ideal investment offers accelerated growth and maximum tax savings.
PACE meets both of these investment objectives; it offers a choice of investment vehicles and provides higher returns since the principal and interest are tax-deferred.
PACE Investment Options
1 page - 41 kb
Alternative Strategy Index Account
1 page - 1386 kb
Note: This account offers returns based on the performance of the DGAM Alternative Strategy Fund managed byDesjardins Global Asset Management.
Bond Index Account
1 page - 385 kb
Note: This account offers returns based on the performance of the Scotia Capital Universe Bond Index.
Quebec Index Account
1 page - 385 kb
Note: This account is based on the performance of Desjardins Trust's Desjardins Quebec Fund, the only Fund to invest strictly in Quebec stocks and bonds. It provides the investor with an opportunity to share in the growth of Quebec companies.
Canadian Index Account
1 page - 386 kb
Note: This account offers returns based on the performance of the S&P/TSX 60 Index,including dividend income.The S&P/TSX 60 consists of the most capitalized companies listed on the Toronto Stock Exchange.
American Index Account
1 page - 386 kb
Note: This account offers returns based on the performance of the S&P 500 Index, including dividend income. This Index is made up of 500 companies that represent the American market.
European Index Account
1 page - 383 kb
Note: This account offers returns based on the performance of the MSCI Europe Index,including dividend income.The MSCI Europe Index is made up of European securities from 16 countries,mainly the United Kingdom,France,Germany and Switzerland.
Small Company Index Account
1 page - 143 kb
Note: This account is based on the performance of the NorthWest Specialty Equity Fund.
Japanese Index Account
1 page - 386 kb
Note: This account offers returns based on the performance of the MSCI Japan Index, including dividend income.The MSCI Japan Index seeks to measure the performance of the Japanese equity market.
Technology Index Account
1 page - 386 kb
Note: This account offers returns based on the performance of the U.S. Nasdaq 100 Index.
Secure Index Account
1 page - 149 kb
Note: This account is based on the performance of the Franklin Templeton/Quotentiel Diversified Income Portfolio.
Moderate Index Account
1 page - 148 kb
Note: This account is based on the performance of the Franklin Templeton/Quotentiel Balanced Income Porfolio.
Balance Index Account
1 page - 149 kb
Note: This account is based on the performance of the Franklin Templeton/Quotentiel Balanced Growth Portfolio.
Growth Index Account
1 page - 147 kb
Note: This account is based on the performance of the Franklin Templeton/Quotentiel Growth Portfolio.
Investor Profile
Asset allocation based on your client's investor profile
Completing the "Discover your personal risk tolerance profile" questionnaire is one of the many steps in the evaluation and planning of your client's investment options of the PACE universal life insurance.
More precisely, this questionnaire helps determine your client's level of investment risk tolerance and builds a recommendation according to the 5 investor profiles.
"Discover your personal risk tolerance profile" questionnaire
3 pages - 325 kb
History of Annual Returns on Investment Accounts
In accordance with the basic principle of financial planning, PACE provides diversification both in terms of investment options and access to foreign markets (European, Japanese, American, etc.).
The History of the Annual Returns on Investment Accounts table below can keep your client abreast of how the international indexes are performing.
Unit Values and Rates of return current