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When you join the McGill University Pension Plan, you must decide on your investment distribution. There are several factors to consider when determining which investments are right for you. Some of the factors are:

  • Age
  • Investment horizon (the number of years to retirement)
  • Retirement goals (standard of living to maintain)
  • Tolerance to risk
  • Investment knowledge
  • Personal situation
  • Net worth
  • Liquidity requirements

Individual objectives and risk tolerances will vary according to personal and financial characteristics specific to each member.

You have four investment options to choose from. You choose the percentage of your contributions to be invested in each investment pool. You may invest as little or as much as you like in each pool, however the calculation of your minimum pension is based only on what your pension accounts would amount to if you always invested 100% in the Balanced Account (see page 8 of the Pension Plan Brochure - Hybrid for more details on your minimum pension).

You will find additional information on the following page which may assist you in selecting investment options which are appropriate to your individual needs and circumstances.


Statement of Investment Policy


The Pension Administration Committee (PAC) has adopted a comprehensive Statement of Investment Policy which addressed such issues as investment objectives, risk tolerance, asset allocation, permissible asset classes investment diversification, liquidity requirements, expected rates of return, valuation procedures and other issues relevant to the investment process; thereby establishing a framework with which all the investment managers must operate. The policy is reviewed on a regular basis and updated whenever necessary to ensure that it continues to meet legal standards and the investment requirements of the membership.

A copy of the Statement of Investment Policy is located on the following page: https://www.mcgill.ca/hr/bp/pensions/invest/SIP. This is a secure page and you will be required sign-in.