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Financial Documents

Information about our plans

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IDEO+ Plans Prospectus

Document also available on sedarplus.ca
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IDEO+ Conservative Plan Summary

Document also available on sedarplus.ca
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IDEO+ Responsible Plan Summary

Document also available on sedarplus.ca
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IDEO+ Adaptive Plan Summary

Document also available on sedarplus.ca
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REFLEX, INDIVIDUAL and UNIVERSITAS plans 2025 annual report
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REFLEX Plan and INDIVIDUAL Plan Prospectus

Document also available on sedarplus.ca
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UNIVERSITAS Plan Prospectus

Document also available on sedarplus.ca
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Relationship Disclosure | IDEO+
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IDEO+ | Conflict of Interest Disclosure
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Relationship Disclosure Information | UNIVERSITAS, REFLEX, INDIVIDUAL
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Conflict of Interest Disclosure | UNIVERSITAS, REFLEX, INDIVIDUAL
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Independent Review Committee Report - 2025

Document also available on sedarplus.ca

Fund Performance

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Management Report of Fund Performance—IDEO+ CONSERVATIVE Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca
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Management Report of Fund Performance—IDEO+ RESPONSIBLE Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca
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Management Report of Fund Performance—IDEO+ ADAPTIVE Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca
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Management Report of Fund Performance—INDIVIDUAL Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca
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Management Report of Fund Performance—UNIVERSITAS Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca
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Management Report of Fund Performance—REFLEX Plan

For the financial year ended December 31, 2025

Document available on sedarplus.ca

Financial Statements

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Financial Statements—IDEO+ CONSERVATIVE Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca
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Financial Statements—IDEO+ RESPONSIBLE Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca
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Financial Statements—IDEO+ ADAPTIVE Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca
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Financial Statements—IDEO+ REFLEX Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca
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Financial Statements—INDIVIDUAL Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca
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Financial Statements — UNIVERSITAS Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca
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Financial Statements—IDEO+ CONSERVATIVE Plan

for the six months periods ended June 30, 2025 and 2024
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Financial Statements—IDEO+ RESPONSIBLE Plan

for the six months periods ended June 30, 2025 and 2024
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Financial Statements—IDEO+ ADAPTIVE Plan

for the six months periods ended June 30, 2025 and 2024
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Financial Statements—REFLEX Plan

for the six months periods ended June 30, 2025 and 2024
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Financial Statements—INDIVIDUAL Plan

for the six months periods ended June 30, 2025 and 2024
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Financial Statements—UNIVERSITAS

for the six months periods ended June 30, 2025 and 2024
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Financial statements - IDEO+ CONSERVATIVE Plan

for the six months periods ended June 30, 2024 and 2023

Also available at sedarplus.ca
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Financial statements - IDEO+ RESPONSIBLE Plan

for the six months periods ended June 30, 2024 and 2023

Also available at sedarplus.ca
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Financial statements - IDEO+ ADAPTIVE Plan

for the six months periods ended June 30, 2024 and 2023

Also available at sedarplus.ca
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Financial statements - REFLEX Plan

for the six months periods ended June 30, 2024 and 2023

Also available at sedarplus.ca
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Financial statements - INDIVIDUAL Plan

for the six months periods ended June 30, 2024 and 2023

Also available at sedarplus.ca
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Financial statements - UNIVERSITAS Plan

for the six months periods ended June 30, 2024 and 2023

Also available at sedarplus.ca
PDF
Financial Statements—IDEO+ CONSERVATIVE Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca
PDF
Financial Statements—IDEO+ RESPONSIBLE Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca
PDF
Financial Statements—IDEO+ ADAPTIVE Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca
PDF
Financial Statements—REFLEX Plan

For the year ended December 31, 2024 and 2023

Document also available on the sedarplus.ca
PDF
Financial Statements—INDIVIDUAL Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca
PDF
Financial Statements—UNIVERSITAS Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca

Quarterly returns

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Your RESP at a glance IDEO+ Conservative

September 30, 2025
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Your RESP at a glance IDEO+ Adaptive

September 30, 2025
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Your RESP at a glance IDEO+ Responsible

September 30, 2025
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Your RESP at a glance REFLEX

September 30, 2025
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Your RESP at a glance UNIVERSITAS

September 30, 2025

Investments and Returns

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Proxy voting records from Fiera Capital Corporation

2024-2025
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2932

2024-2025
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2924

2024-2025
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2914

2024-2025
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2934

2024-2025
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Proxy voting records from Alphafixe Capital Inc.

2024-2025
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Proxy voting records letter from Alphafixe Capital Inc.

2025 - French only
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Proxy voting records from Jarislowsky Fraser Limited JF11660

2024-2025
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Proxy voting records from Amundi

Q4 2024 - French only
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Proxy voting records from Amundi

Q2 2025 - French only
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Proxy voting records from Amundi

Q3 2024 - French only
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Proxy voting records from Jarislowsky Fraser Limited JF11659

2024-2025
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Proxy voting records from Jarislowsky Fraser Limited JF11198

2024-2025
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Proxy voting records from Jarislowsky Fraser Limited JF11199

2024-2025
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Proxy voting records from Alphafixe Capital Inc.

2023-2024 - French only
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Proxy voting records from Fiera Capital Corporation

2023-2024 - French only
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Proxy voting records from Jarislowsky Fraser Limited JF11660 - BNY and CIBC

2023-2024
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Proxy voting records from Jarislowsky Fraser Limited JF11659 - BNY and CIBC

2023-2024
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Proxy voting records from Jarislowsky Fraser Limited JF11199 - CIBC

2023-2024
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Proxy voting records from Jarislowsky Fraser Limited JF11199 - BNY

2023-2024
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Proxy voting records from Jarislowsky Fraser Limited JF11198 - CIBC

2023-2024
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Proxy voting records from Jarislowsky Fraser Limited JF11198 - BNY

2023-2024
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2914

2023-2024
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2924

2023-2024
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2932

2023-2024
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Proxy voting records from Montrusco Bolton Investments Inc. - CEF2934

2023-2024

Group Life and Disability Insurance

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Summary Group Life and Disability Insurance | IDEO+

For insurance policies taken out before December 21, 2023
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Summary Group Life and Disability Insurance
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Notice of Cancellation of an Insurance Contract | IDEO+
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Notice of Cancellation of an Insurance Contract
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Fact Sheet - Insurance

Useful forms

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Application for the Basic CESG, Additional CESG and CLB - 0093
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Form – Application for the Basic CESG, Additional CESG and CLB - Annex B
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Form – Privacy and Protection of Personal Information
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Form – Application for a Social Insurance Number (SIN)

Other Documents

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Actuarial Certificate