Investment Pools

Long-Term Growth Pool
The Long-Term Growth Pool is the most broadly diversified. It is designed to accept more downside short-term risk to achieve a higher level of long-term growth. The primary financial objective is to preserve the purchasing power of the investments after withdrawals are taken. The pool has adopted a total return investment approach including capital appreciation, dividends and interest income. The objective is based on a ten-year time horizon.

ESG (Environmental, Social and Governance) Pool
The ESG Pool is designed to achieve moderate risk-adjusted returns with an emphasis on total return, which is the aggregate return from capital appreciation, dividend and interest income.  The ESG concept is intimately linked to responsible investing and is designed to invest in companies that strive to have a positive societal impact, including, but not limited to, mitigating climate change, reducing waste, using clean energy and employing sound corporate governance and labor practices. The objective is based on a five to ten-year investment horizon.

Balanced Pool
The Balanced Pool is designed to achieve moderate risk adjusted returns with an emphasis on total returns, which is the aggregate return from capital appreciation, dividend and interest income. The objective is based on a five to ten-year investment horizon.

Capital Preservation Pool
The Capital Preservation Pool is designed to protect principal and maintain a high degree of liquidity. As such, investment parameters will be limited to short and intermediate term, high-quality, fixed-income instruments or cash equivalent. The objective is based on a two to five-year investment horizon.

Cash Pool
The Cash Pool is designed to preserve principal value and maintain a high degree of liquidity. The objective is based on a twelve to eighteen-month investment horizon and no investment return.