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CDSPI Funds

A diverse lineup of low-fee investment funds rated #1 in performance*

Our Funds

Our diverse lineup of low-fee investment funds offers you a range of asset classes, investment managers and styles—with a history of strong long-term performance. CDSPI funds provide you with flexibility in meeting your investment goals, and our Investment Planning Advisors can help you choose what’s right for you.

What Sets CDSPI Funds Apart

Rated #1 for Performance

CDSPI Advisory Services Inc. ranked #1 for performance in 2022 and 2023, and achieved superior investment returns, according to Chicago-based Morningstar Direct.1

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Low Fees

Benefit from low management expense ratios (MERs) on a diverse range of funds. 

Expert and Unbiased Advice

Our salaried CERTIFIED FINANCIAL PLANNER® professionals at CDSPI Advisory Services Inc, do not receive any third-party commissions for the funds they recommend.

World Class Investment Management

CDSPI funds are managed by institutional quality asset management firms with demonstrated expertise and a track record of success within their asset class.

Creditor Proof

CDSPI funds offer creditor protection2 in certain cases. This is especially important to dentists who may be holding these investments within a personal non-registered account.

CDSPI Fund Performance

 

*Segregated funds are governed under life insurance regulations and when there is a preferred beneficiary named may provide protection from creditors.

~Based on analysis by Morningstar Inc., of CDSPI funds, as of Apr. 30, 2021, with performance records of three years or more. Past performance is not necessarily indicative of future results. For more details on the calculation of Morningstar quartile rankings, please see morningstar.ca.

 

CDSPI Historic Fund Performance* ( as of March 28, 2024 )

Unit Values ( as of April 12, 2024 )

Funds

FundUnit ValueDaily Price Change1 Year3 Year5 Year10 YearMER†
CDSPI Aggressive Equity Fund (Fiera Capital)63.99920(0.5694)17.35.57.95.21.00
CDSPI Balanced Fund (PH&N)24.24440(0.0993)11.13.96.36.21.20
CDSPI Balanced Value Fund (MFS)33.36030(0.1189)10.44.95.96.00.95
CDSPI Bond & Mortgage Fund (Fiera Capital)31.440600.075603.7-0.30.80.90.99
CDSPI Bond Fund (PH&N)16.401200.081601.5-1.90.11.70.65
CDSPI Canadian Equity Fund (Invesco)44.07830(0.5127)22.113.212.55.31.50
CDSPI Common Stock Fund (Fiera Capital)193.17900(1.3383)15.511.111.39.20.99
CDSPI Core Plus Bond Fund (PH&N)10.419100.048402.0-1.80.7N/A0.80
CDSPI Diversified Growth Fund (Schroder)12.08210(0.0587)9.72.54.0N/A1.65
CDSPI Dividend Fund (PH&N)32.25630(0.3128)12.310.09.67.41.20
CDSPI Emerging Markets Fund (Brandes)31.15050(0.4758)15.02.71.62.91.77
CDSPI European Fund (Invesco)40.83570(0.417)14.2-2.23.54.61.45
CDSPI Fixed Income Fund (MFS)23.275800.121001.8-2.5-0.51.20.97
CDSPI Global Fund (Invesco)64.51890(0.5807)21.66.56.88.21.50
CDSPI Global Growth Fund (Capital Group Canada)53.10390(0.5753)22.83.19.710.01.77
CDSPI Global Real Estate Fund (Invesco)17.83600(0.0975)5.40.5-1.93.31.75
CDSPI International Equity Fund (CC&L)33.92060(0.0766)10.74.09.17.11.30
CDSPI Low Volatility Global Equity Fund (MFS)14.53880(0.0662)15.09.87.8N/A1.30
CDSPI Money Market Fund (Fiera Capital)12.827000.001604.42.21.61.00.62
CDSPI Pacific Basin Fund (CI)23.91140(0.1992)4.7-3.93.85.01.77
CDSPI S&P 500 Index Fund (BlackRock®)58.09320(0.6848)28.513.114.214.10.67
CDSPI TSX Composite Index Fund (BlackRock®)52.11130(0.5005)13.18.39.26.90.67
CDSPI U.S. Large Cap Fund (Capital Group Canada)36.94240(0.3417)31.813.112.111.21.46
CDSPI U.S. Small Cap Fund (Invesco)61.30540(0.604)20.76.17.48.11.25

Granite Target Risk Funds

FundUnit ValueDaily Price Change1 Year3 Year5 Year10 YearMER†
CDSPI Granite Aggressive Portfolio (Sun Life)13.29610(0.1229)11.93.95.9N/A1.50
CDSPI Granite Balanced Portfolio (Sun Life)12.19380(0.0752)9.12.14.1N/A1.50
CDSPI Granite Conservative Portfolio (Sun Life)10.75770(0.0263)6.401.5N/A1.50
CDSPI Granite Growth Portfolio (Sun Life)12.78660(0.0977)10.53.05.0N/A1.50
CDSPI Granite Moderate Portfolio (Sun Life)11.62480(0.0555)7.81.33.1N/A1.50

Index Fund Portfolios

FundUnit ValueDaily Price Change1 Year3 Year5 Year10 YearMER†
CDSPI Aggressive Index Portfolio (BlackRock®)24.49070(0.1593)14.16.07.27.10.85
CDSPI Conservative Index Portfolio (BlackRock®)19.20980(0.0068)7.31.63.14.10.85
CDSPI Moderate Index Portfolio (BlackRock®)21.76500(0.0744)10.73.85.25.60.85

Income/Equity Fund Portfolios

FundUnit ValueDaily Price Change1 Year3 Year5 Year10 YearMER†
CDSPI Aggressive Growth Portfolio (CI)24.51590(0.2019)17.17.08.67.31.65
CDSPI Balanced Portfolio (CI)21.09120(0.0794)11.94.05.55.11.65
CDSPI Conservative Growth Portfolio (CI)22.33890(0.1124)13.54.96.55.71.65
CDSPI Income Plus Portfolio (CI)19.19210(0.0235)8.72.33.73.81.65
CDSPI Income Portfolio (CI)19.23160(0.0086)8.11.92.73.21.65
CDSPI Moderate Growth Portfolio (CI)23.29310(0.1474)14.95.87.56.41.65

Corporate Class Funds

FundUnit ValueDaily Price Change1 Year3 Year5 Year10 YearMER†
CDSPI Canadian Bond Fund Corporate Class (CI)13.674300.069701.6-2.5-0.51.01.10
CDSPI Canadian Equity Fund Corporate Class (CI)26.93910(0.2539)17.98.410.37.91.65
CDSPI Corporate Bond Fund Corporate Class (CI)21.749300.054108.30.72.23.11.25
CDSPI Income and Growth Fund Corporate Class (CI)31.54220(0.1356)13.75.96.85.61.45
CDSPI Short-Term Fund Corporate Class (CI)10.299900.000903.61.30.60.30.75

Guaranteed Fund Rates

FundRate
CDSPI 1 Year Guaranteed Fund (SLA)4.40000
CDSPI 2 Year Guaranteed Fund (SLA)4.00000
CDSPI 3 Year Guaranteed Fund (SLA)3.70000
CDSPI 4 Year Guaranteed Fund (SLA)3.65000
CDSPI 5 Year Guaranteed Fund (SLA)3.55000

* Average annual compound rate of return with all fees deducted. One to ten year performance for the period ending March 28, 2024. The above are historic results based on past performance and are not necessarily indicative of future performance.

† Plus applicable taxes.

Note: Fees may be levied for short-term trading.

BlackRock is a registered trade-mark of BlackRock, Inc.

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* Source: Morningstar Direct.
1 Catherine Harris, Seg funds struggled through another difficult year, March 11, 2024,  Investment Executive.
2 Segregated funds are governed under life insurance regulations and when there is a preferred beneficiary named may provide protection from creditors.