​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 may invest your savings in any combination of the available investment options. The options fall into basic categories designed to respond to the specific investment objectives of members.​

The Office of Investments manages the different investment activities of the MUPP such as optimizing the selection of investment service providers, managing the MUPP’s financial operations and budget, and reporting to the Pension Investment Committee on investment performance, asset allocation and other investment matters.

​The investment fees and performance can be found on the Sun Life secure site.​ 

There are two approaches to selecting investments

investment guide, pen, pad of paper

Help me do it

You can use a multi-risk target date.  A target date is an asset allocation or investment mix that is based on your risk tolerance and targeted retirement age and for which the investment mix becomes more conservative over time.


 

ipad, pen, graphs

Let me do it

You can construct a personalized investment portfolio using one or a combination of the investment options offered.



 

To assist you, complete the asset allocation tool on the Sunlife secure site.  This tool, which will take about 10 minutes to complete will ask you a set of questions to determine your savings goal and how you approach investing.  Following which a goal investment mix will be suggested to you. 

To view the available investments and their historical performance, once logged in, go to:  Manage plan > my plan > Plan Overview > View Available Investments.