Lifecycle Funds

Lifecycle funds are essentially one decision balanced investment portfolios that begin with a strong growth bias, and become more conservative as they approach their maturity date, which is usually selected to match your retirement date.

Fidelity is the market share leaders, with solid performance. The Spiess McGlade Team is pleased to have recommended those Clearpath funds 10 years ago and they have performed well for our clients. Fidelity recently updated their brochure and have a detailed white paper on how the funds are built and rebalanced based on their proprietary "glide path".

Lifecycle funds are offered by several other companies, as well. Below is a listing of performance data, followed by links to more information on lifecycle funds. Any of the funds listed can be held in your ScotiaMcLeod account, and many are available for Pre-Authorized Contribution (PAC) plans and/or with no loads. Please contact us for details and recommendations for your situation.

Mutual Fund

Fund
Type

1
Year
(%)

2
Year
(%)

3
Year
(%)

5
Year
(%)

10
Year
(%)

Risk *

Min
Invest
($)

MER

BMO Target Education 2025 Portfolio A2025TargetDate10.745.39nanananana1.83
Fidelity ClearPath 2025 Port Series B2025TargetDate10.735.067.129.505.295.795002.17
Fidelity ClearPath 2025 Port Series A2025TargetDate10.484.826.889.255.065.795002.39
BMO LifeStage Plus 2025 A2025TargetDate6.513.655.086.09na4.50na2.49
BMO LifeStage Plus 2025 Advisor2025TargetDate6.503.635.076.08na4.50na2.50
Sun Life Milestone 2025 A2025TargetDate1.911.343.863.72na5.16na2.16
BMO LifeStage Plus 2022 A2025TargetDate4.071.343.645.28na4.44na2.10
BMO LifeStage Plus 2022 Advisor2025TargetDate4.061.323.625.26na4.44na2.12
IA Clarington Target Click 20252025TargetDate1.830.583.524.342.135.775002.59
Invesco Intactive 2023 Portfolio2025TargetDate3.320.351.462.76na3.65na2.15
BMO Target Education 2030 Portfolio A2030TargetDate12.966.21nanananana1.93
Fidelity ClearPath 2030 Port Series B2030TargetDate11.515.267.4910.045.176.235002.23
Fidelity ClearPath 2030 Port Series A2030TargetDate11.265.027.259.794.956.235002.44
BMO LifeStage Plus 2030 Advisor2030TargetDate4.823.546.425.48na6.44na2.08
BMO LifeStage Plus 2030 A2030TargetDate4.803.526.405.47na6.44na2.10
BMO LifeStage Plus 2026 A2030TargetDate6.262.335.298.93na5.66na2.52
BMO LifeStage Plus 2026 Advisor2030TargetDate6.232.295.248.90na5.66na2.56
Sun Life Milestone 2030 A2030TargetDate4.391.955.315.39na6.49na2.27
IA Clarington Target Click 2030 Sr A2030TargetDate4.610.824.715.94na7.54na2.70
Invesco Intactive 2028 Portfolio2030TargetDate4.530.801.923.46na4.31na2.21
Fidelity ClearPath 2040 Port Series B2035+TargetDate13.916.148.5811.885.767.105002.28
Fidelity ClearPath 2045 Port Series B2035+TargetDate13.916.078.5912.145.867.145002.28
Fidelity ClearPath 2050 Portfolio Sr B2035+TargetDate13.866.03nananana5002.32
Fidelity ClearPath 2055 Portfolio Sr B2035+TargetDate13.875.97nananana5002.32
Fidelity ClearPath 2040 Port Series A2035+TargetDate13.645.918.3511.645.547.105002.48
Fidelity ClearPath 2045 Port Series A2035+TargetDate13.665.858.3711.905.647.145002.49
Fidelity ClearPath 2050 Portfolio Sr A2035+TargetDate13.665.82nananana5002.50
Fidelity ClearPath 2055 Portfolio Sr A2035+TargetDate13.675.78nananana5002.52
Invesco Intactive 2038 Portfolio2035+TargetDate5.911.162.254.47na5.30na2.20
BMO Target Education 2035 Portfolio A2035TargetDate14.116.21nanananana2.07
Fidelity ClearPath 2035 Port Series B2035TargetDate13.406.148.3811.515.706.815002.23
Fidelity ClearPath 2035 Port Series A2035TargetDate13.155.918.1511.275.496.815002.44
Sun Life Milestone 2035 A2035TargetDate6.892.725.836.55na7.79na2.26
Invesco Intactive 2033 Portfolio2035TargetDate5.200.982.093.96na4.88na2.22
Fidelity ClearPath 2020 Port Series BSTTargetDate9.884.806.487.994.735.365002.17
Fidelity ClearPath 2020 Port Series ASTTargetDate9.664.596.267.774.515.365002.38
Fidelity ClearPath 2015 Port Series BSTTargetDate8.854.315.707.184.574.725002.12
Fidelity ClearPath 2015 Port Series ASTTargetDate8.624.095.486.954.364.725002.32
BMO Target Education 2020 Portfolio ASTTargetDate5.502.93nanananana1.72
BMO LifeStage Plus 2020 AdvisorSTTargetDate0.641.002.331.96na2.71na1.38
BMO LifeStage Plus 2020 ASTTargetDate0.570.952.281.91na2.71na1.44
Sun Life Milestone 2020 ASTTargetDate0.360.121.641.91na2.54na1.49
BMO LifeStage Plus 2017 AdvisorSTTargetDate-0.16-0.220.541.07na1.02na1.41
BMO LifeStage Plus 2017 ASTTargetDate-0.18-0.250.511.05na1.02na1.44
IA Clarington Target Click 2020STTargetDate-0.37-0.631.111.901.432.905002.18

45 Funds Returned    For Periods Ending: 5/31/2017

 

Click on a fund name for more information on that fund.

 

* Risk is the volatility of returns, see risk calculations.

More on lifecycle funds

 



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