Fee reduction, as of August 1, 2025!
Good news! Starting August 1, 2025, your fees will decrease from 1% to 0.9% (compared to a market average of 2.1%). The reduced fees will apply to all the CFD&A plans in the program and the retirement income options.
Investment Options
Not everyone shares the same level of interest, know-how and time that’s required to select and stay on top of their investments. That’s why you have choices—the flexibility to select a simple off-the-shelf investment solution or to build your own, by selecting from the funds available in your program.
The off-the-shelf approach – The CFD&A Retirement Path
Your program’s customized CFD&A Retirement Path – built and monitored by experts – is designed to carry you into retirement. This investment solution is designed to help you reach your retirement goals by investing in a diversified portfolio that reflects your investment time horizon. The Retirement Path is primarily composed of stocks (equity), bonds (fixed income) and real assets. The portfolios’ asset allocation gradually shifts from equity to fixed income and real assets to minimize risk as you approach age 65. Your investment time horizon (i.e., age 65 minus your current age) determines the asset mix of your Retirement Path’s portfolio.
Note the CFD&A Retirement Path is your program’s default investment option; if you don’t make an investment selection, contributions will be invested in the portfolio based on your age (assuming retirement at age 65).
Fee reduction, as of August 1, 2025!
Good news! Starting August 1, 2025, your fees will decrease from 1% to 0.9% (compared to a market average of 2.1%). The reduced fees will apply to all the CFD&A plans in the program and the retirement income options.
The do-it-yourself approach
Your investment strategy should reflect your goals, personal situation and your risk tolerance. The investor profile questionnaire will help you determine what kind of investor you are. You can complete it online via the Omni app or dfs.ca/GroupPlanMember/ford under My account > My account details > Investor profile. Before selecting your investments, it’s a good idea to complete the investor profile questionnaire and refer to the suggested asset allocations.
Keep in mind that you’ll have to manage your portfolio over time to make sure it continues to reflect your personal situation. Consider revisiting the questionnaire on a regular basis, and especially after a life event.
About Fees
As a participating member of the CFD&A program, you benefit from an all-in fee of 0.9%, which is a significantly lower cost than the average 2.1% fee typically charged in individual plans. This means you keep more money in your accounts and have greater potential growth.