Responsible investing
Learn about our approach and our responsible investment (RI) product lineup.
Our responsible investment products
Doing our part to build a responsible, sustainable economy is part of our values. We've been fine-tuning our responsible investment products for 30+ years to provide you with choices that stay true to who you are. Here's our range of diversified RI options designed to help you achieve your goals.
SocieTerra Funds and Portfolios
You can grow your money with responsible investment funds that combine good return potential with a positive impact on the environment and communities.
- 21 funds and 6 portfolios
- Multiple RI strategies used to select companies and encourage them to improve their ESG practices
- Eligible under most plans (such as RRSP, TFSA, RRIF, LIRA, LIF, RLSP and group RRSP) and non-registered accounts
- Risk profile: Low to moderate
Market-linked guaranteed investments – responsible options
Tap into stock market growth potential without risking your money by monitoring the performance of businesses that have been carefully selected for their ESG commitment.
- 2 portfolios and 2 thematic investments
- Eligible under most plans (TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP) and non-registered accounts
- The money you invest is 100% guaranteed at maturity
- Risk profile: Low
Guaranteed investment funds – RI Helios2 Contract
You can grow your savings with responsible investment funds, but with additional protection.
- 6 SocieTerra Portfolios
- Multiple RI strategies used to select companies and encourage them to improve their ESG practices
- Eligible under most plans (RRSP, TFSA, RRIF, LIRA and LIF) and non-registered accounts
- Choice of 3 guarantees to protect your savings or your estate
Responsible annuities
Get a responsible annuity and receive a regular income for a set period or until death.
- Responsible investment approach in managing premiums that we're entrusted with
- Annuity can be combined with a registered retirement income fund (RRIF) or a life income fund (LIF)
- Fixed return for the duration of the payment period
- Index option where retirement income can be adjusted annually
What is responsible investing?
Responsible investing means taking environmental, social and governance (ESG) criteria into account when selecting and managing investments, in addition to traditional financial analysis. By doing this, we choose companies that contribute to sustainable development.
4 reasons to choose responsible investment
Return potentials that are just as good
In the long run, the potential returns of responsible investments are just as good and sometimes better
Better risk management
Companies that value ESG criteria are better equipped to manage risk, which potentially increases returns.
Carefully selected companies
We assess the ESG practices and financial health of each company. SocieTerra products exclude companies that specialize in fossil fuels as well as those who operate in the arms
Shareholder engagement
We engage in an ongoing dialogue with the companies we select to ensure they are upholding their commitment. We also encourage them to improve their ESG practices. We vote at shareholder assemblies and submit shareholder proposals when appropriate.
ESG criteria
We use the following environmental, social and governance (ESG) criteria to evaluate which companies to invest in:
Environmental
We choose companies with policies and practices that respect the environment.
These include policies that:
- Fight against climate change
- Protect forests and biodiversity
- Reduce greenhouse gases
Social
We choose companies that are involved in their communities and treat all their workers fairly.
These include companies that:
- Respect and protect the rights of children
- Respect the rights of workers
- Provide healthcare, food security and education
Governance
We select companies that have healthy management practices.
These practices might include:
- Diversity on boards of directors
- Fair compensation for management (incentives and bonuses)
Products that create a real, positive impact
By choosing one of our RI products for your investments, the companies we select can have positive impacts on the community and environment.
For example, based on an estimated investment of $10 million in 2022
Avoiding 1,742 tonnes of CO2 emissions, or the equivalent of the CO2 emissions produced by 421 cars in one year
Providing access to education and/or training to 7,225 registered learners
Providing access to financial services to at least 3,225 people
Contact us
By phone
Montreal area:
514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. (514-CAISSES)
Elsewhere in Canada and the US:
1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES)
We can also call you when it's convenient.
More about responsible investing
-
Topic: Investment 5 great reasons to choose responsible investment March 27, 2024
-
Topic: Investment 4 myths about responsible investment October 4, 2024