Our investment options

The DSF Guaranteed Investment Funds (DFS GIF) offered through the Helios2^® Contract give you access to the markets’ full growth potential while protecting what matters to you.

Investment solutions

Our investment solutions are designed to meet your financial needs and give you access to a variety of funds:

Allocated across all asset classes
Selected for their complementary management styles
Automatically rebalanced for weighting and composition every quarter

DFS GIF – Conservative

Fixed Income	80.0%
DGIA Canadian Bond Fund	51.20%
Desjardins Enhanced Bond Fund	12.80%
Desjardins Global Managed Bond Fund	16.00%

Equity	20.0%
Canadian Equity
Desjardins Canadian Equity Fund	2.54%
Beutel Goodman Fundamental Canadian Equity Fund	2.54%
American Equity
BlackRock® Registered trademark CDN US Equity Index Fund	8.50%
International Equity
Desjardins Overseas Equity Fund	1.72%
Desjardins Overseas Equity Growth Fund	1.72%
Desjardins Global Dividend Fund	2.98%

DFS GIF – Moderate

Fixed Income	65.0%
DGIA Canadian Bond Fund	41.60%
Desjardins Enhanced Bond Fund	10.40%
Desjardins Global Managed Bond Fund	13.00%

Equity	35.0%
Canadian Equity
Desjardins Canadian Equity Fund	4.68%
Beutel Goodman Fundamental Canadian Equity Fund	4.68%
American Equity
BlackRock^{® Registered trademark} CDN US Equity Index Fund	14.82%
International Equity
Desjardins Overseas Equity Fund	2.84%
Desjardins Overseas Equity Growth Fund	2.84%
Desjardins Global Dividend Fund	5.13%

DFS GIF – Balanced

Fixed Income	50.0%
DGIA Canadian Bond Fund	32.00%
Desjardins Enhanced Bond Fund	8.0%
Desjardins Global Managed Bond Fund	10.0%

Equity	50.0%
Canadian Equity
Desjardins Canadian Equity Fund	6.87%
Beutel Goodman Fundamental Canadian Equity Fund	6.87%
American Equity
BlackRock^{® Registered trademark} CDN US Equity Index Fund	20.96%
International Equity
Desjardins Overseas Equity Fund	4.02%
Desjardins Overseas Equity Growth Fund	4.02%
Desjardins Global Dividend Fund	7.25%

DFS GIF – Growth

Fixed Income	35.0%
DGIA Canadian Bond Fund	22.40%
Desjardins Enhanced Bond Fund	5.60%
Desjardins Global Managed Bond Fund	7.00%

Equity	65.0%
Canadian Equity
Desjardins Canadian Equity Fund	9.03%
Beutel Goodman Fundamental Canadian Equity Fund	9.03%
American Equity
BlackRock^{® Registered trademark} CDN US Equity Index Fund	27.20%
International Equity
Desjardins Overseas Equity Fund	5.18%
Desjardins Overseas Equity Growth Fund	5.18%
Desjardins Global Dividend Fund	9.39%

DFS GIF – Maximum Growth

Fixed income	20.0%
DGIA Canadian Bond Fund	12.80%
Desjardins Enhanced Bond Fund	3.20%
Desjardins Global Managed Bond Fund	4.00%

Equity	80.0%
Canadian Equity
Desjardins Canadian Equity Fund	11.21%
Beutel Goodman Fundamental Canadian Equity Fund	11.21%
American Equity
BlackRock^{® Registered trademark} CDN US Equity Index Fund	33.37%
International Equity
Desjardins Overseas Equity Fund	6.34%
Desjardins Overseas Equity Growth Fund	6.34%
Desjardins Global Dividend Fund	11.51%

DFS GIF – 100% Equity

Fixed income	0.0%

Equity	100.0%
Canadian Equity
Desjardins Canadian Equity Fund	14.02%
Beutel Goodman Fundamental Canadian Equity Fund	14.02%
American Equity
BlackRock^{® Registered trademark} CDN US Equity Index Fund	41.72%
International Equity
Desjardins Overseas Equity Fund	7.93%
Desjardins Overseas Equity Growth Fund	7.93%
Desjardins Global Dividend Fund	14.39%

Responsible investment portfolios

Are you passionate about issues like climate change, labour standards and executive compensation? The Helios2 Contract helps you achieve your investment goals while supporting causes that matter to you.

DFS GIF – Conservative – Desjardins SocieTerra

Fixed Income	75.0%
Desjardins SocieTerra Canadian Bond	61.2%
Desjardins SocieTerra Canadian Environmental Bond	6.9%
Desjardins SocieTerra Global Bond Fund	6.9%

Equity	25.0%
Desjardins SocieTerra Canadian Equity	7.0%
Desjardins SocieTerra American Equity	6.4%
Desjardins SocieTerra International Equity	3.5%
Desjardins SocieTerra Environment	1.1%
Desjardins SocieTerra Positive Change	1.1%
Desjardins SocieTerra Diversity	1.1%
Desjardins SocieTerra Cleantech	2.5%
Desjardins SocieTerra Emerging Markets Equity	2.3%

DFS GIF – Moderate – Desjardins SocieTerra

Fixed Income	65.0%
Desjardins SocieTerra Canadian Bond	53.0%
Desjardins SocieTerra Canadian Environmental Bond	6.0%
Desjardins SocieTerra Global Bond Fund	6.0%

Equity	35.0%
Desjardins SocieTerra Canadian Equity	9.8%
Desjardins SocieTerra American Equity	8.9%
Desjardins SocieTerra International Equity	4.8%
Desjardins SocieTerra Environment	1.6%
Desjardins SocieTerra Positive Change	1.6%
Desjardins SocieTerra Diversity	1.6%
Desjardins SocieTerra Cleantech	3.5%
Desjardins SocieTerra Emerging Markets Equity	3.2%

DFS FPG – Balanced – Desjardins SocieTerra

Fixed Income	50.0%
Desjardins SocieTerra Canadian Bond	40.8%
Desjardins SocieTerra Canadian Environmental Bond	4.6%
Desjardins SocieTerra Global Bond Fund	4.6%

Equity	50.0%
Desjardins SocieTerra Canadian Equity	14.0%
Desjardins SocieTerra American Equity	12.8%
Desjardins SocieTerra International Equity	7.0%
Desjardins SocieTerra Environment	2.2%
Desjardins SocieTerra Positive Change	2.2%
Desjardins SocieTerra Diversity	2.2%
Desjardins SocieTerra Cleantech	5.1%
Desjardins SocieTerra Emerging Markets Equity	4.5%

DFS FPG – Growth – Desjardins SocieTerra

Fixed Income	40.0%
Desjardins SocieTerra Canadian Bond	32.6%
Desjardins SocieTerra Canadian Environmental Bond	3.7%
Desjardins SocieTerra Global Bond Fund	3.7%

Equity	60.0%
Desjardins SocieTerra Canadian Equity	16.8%
Desjardins SocieTerra American Equity	15.3%
Desjardins SocieTerra International Equity	8.3%
Desjardins SocieTerra Environment	2.7%
Desjardins SocieTerra Positive Change	2.7%
Desjardins SocieTerra Diversity	2.7%
Desjardins SocieTerra Cleantech	6.1%
Desjardins SocieTerra Emerging Markets Equity	5.4%

DFS FPG – Maximum Growth – Desjardins SocieTerra

Fixed Income	20.0%
Desjardins SocieTerra Canadian Bond	16.2%
Desjardins SocieTerra Canadian Environmental Bond	1.9%
Desjardins SocieTerra Global Bond Fund	1.9%

Equity	80.0%
Desjardins SocieTerra Canadian Equity	22.4%
Desjardins SocieTerra American Equity	20.4%
Desjardins SocieTerra International Equity	11.1%
Desjardins SocieTerra Environment	3.6%
Desjardins SocieTerra Positive Change	3.6%
Desjardins SocieTerra Diversity	3.6%
Desjardins SocieTerra Cleantech	8.1%
Desjardins SocieTerra Emerging Markets Equity	7.2%

DFS GIF – 100% Equity – Desjardins SocieTerra

Fixed Income	0.0%

Equity	100.0%
Desjardins SocieTerra Canadian Equity	28.0%
Desjardins SocieTerra American Equity	25.6%
Desjardins SocieTerra International Equity	13.8%
Desjardins SocieTerra Environment	4.5%
Desjardins SocieTerra Positive Change	4.5%
Desjardins SocieTerra Diversity	4.5%
Desjardins SocieTerra Cleantech	10.1%
Desjardins SocieTerra Emerging Markets Equity	9.0%

See examples of the positive outcomes of our responsible investment portfolios Opens in a new window.

Wise ETF Portfolios

With Wise ETF Portfolios, you have access to exchange-traded Funds that are part of an innovative investment solution. It’s an easy way to get a distinctive product. Based on your investor profile and risk tolerance, choose the portfolio that’s right for you from the six available.

DFS GIF – Conservative – Desjardins Wise ETF

Fixed Income	80.0%
Canadian Fixed Income	53.8%
Foreign Fixed Income	26.2%

Equity	20.0%
Canadian Equity	5.6%
Foreign Equity	14.4%

DFS GIF – Balanced – Desjardins Wise ETF

Fixed Income	60.0%
Canadian Fixed Income	40.3%
Foreign Fixed Income	19.7%

Equity	40.0%
Canadian Equity	11.1%
Foreign Equity	28.9%

DFS GIF – Growth – Desjardins Wise ETF

Fixed Income	40.0%
Canadian Fixed Income	26.9%
Foreign Fixed Income	13.1%

Equity	60.0%
Canadian Equity	16.7%
Foreign Equity	43.3%

DFS GIF – Maximum Growth – Desjardins Wise ETF

Fixed Income	20.0%
Canadian Fixed Income	13.5%
Foreign Fixed Income	6.5%

Equity	80.0%
Canadian Equity	22.2%
Foreign Equity	57.8%

DFS GIF – 100% Equity – Desjardins Wise ETF

Fixed Income	0.0%

Equity	100.0%
Canadian Equity	27.8%
Foreign Equity	72.2%

Individual funds

Do you want to control your asset allocation and portfolio composition?

Choose from our individual funds for broad diversification.

Individual funds - Income

Fund name	Helios 2 75/75	Helios 2 75/100 i	Helios 2 100/100 i
DFS GIF – Money Market
DFS GIF – Canadian Bond
DFS GIF – Global Tactical Bond – Desjardins

Individual funds - Balanced and Asset Allocation

Fund name	Helios 2 75/75	Helios 2 75/100 i	Helios 2 100/100 i
DFS GIF – Diversified Income – Franklin Quotential^*			Does not apply
DFS GIF – Balanced Income – Franklin Quotential^*			Does not apply
DFS GIF – Canadian Balanced – Fidelity			Does not apply
DFS GIF – U.S. Monthly Income – Fidelity
DFS GIF – Global Balanced – Desjardins SocieTerra
DFS GIF – Global Balanced – Jarislowsky Fraser
DFS GIF – Canadian Balanced – Fiera Capital
DFS GIF – Balanced Growth – Franklin Quotential^*			Does not apply
DFS GIF – Canadian Asset Allocation – CI
DFS GIF – Canadian Balanced – CI
DFS GIF – Canadian Income and Growth – CI
DFS GIF – Global Balanced Growth – Desjardins
DFS GIF – Growth and Income – NEI^*
DFS GIF – Growth – NEI Select^*
DFS GIF – Growth – Franklin Quotential^*			Does not apply

Individual funds - Canadian Equity

Fund name	Helios 2 75/75	Helios 2 75/100 i	Helios 2 100/100 i
DFS GIF – Dividend Income – Desjardins
DFS GIF – Canadian Dividend – NEI^*
DFS GIF – Canadian Equity – Desjardins
DFS GIF – Canadian Equity – Jarislowsky Fraser
DFS GIF – Canadian Equity – Fidelity True North^®
DFS GIF – Canadian Equity – Franklin Bissett^*
DFS GIF – Canadian Small Cap Equity – NEI^*			Does not apply
DFS GIF – Small Cap – Franklin Bissett^*			Does not apply

Individual funds - Foreign Equity

Fund name	Helios 2 75/75	Helios 2 75/100 i	Helios 2 100/100 i
DFS GIF – American Equity – MFS
DFS GIF – American Equity Value – Desjardins
DFS GIF – Global Dividend – Desjardins
DFS GIF – Global Equity – Desjardins
DFS GIF – Global Equity – MFS
DFS GIF – Global Equity Growth – Desjardins
DFS GIF – International Equity – MFS
DFS GIF – International Equity Growth – Desjardins

Meet a representative

They’ll assess your financial needs and help you find the right product for you.

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