Financial Documents

Information about our plans

IDEO+ Plans Prospectus

Document also available on sedarplus.ca

IDEO+ Conservative Plan Summary

Document also available on sedarplus.ca

IDEO+ Responsible Plan Summary

Document also available on sedarplus.ca

IDEO+ Adaptive Plan Summary

Document also available on sedarplus.ca

REFLEX, INDIVIDUAL and UNIVERSITAS plans 2025 annual report

REFLEX Plan and INDIVIDUAL Plan Prospectus

Document also available on sedarplus.ca

UNIVERSITAS Plan Prospectus

Document also available on sedarplus.ca

Relationship Disclosure | IDEO+

IDEO+ | Conflict of Interest Disclosure

Relationship Disclosure Information | UNIVERSITAS, REFLEX, INDIVIDUAL

Conflict of Interest Disclosure | UNIVERSITAS, REFLEX, INDIVIDUAL

Independent Review Committee Report - 2025

Document also available on sedarplus.ca

Fund Performance

Management Report of Fund Performance—IDEO+ CONSERVATIVE Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca

Management Report of Fund Performance—IDEO+ RESPONSIBLE Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca

Management Report of Fund Performance—IDEO+ ADAPTIVE Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca

Management Report of Fund Performance—INDIVIDUAL Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca

Management Report of Fund Performance—UNIVERSITAS Plan

For the financial year ended December 31, 2025

Document also available on sedarplus.ca

Management Report of Fund Performance—REFLEX Plan

For the financial year ended December 31, 2025

Document available on sedarplus.ca

Financial Statements

Financial Statements—IDEO+ CONSERVATIVE Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca

Financial Statements—IDEO+ RESPONSIBLE Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca

Financial Statements—IDEO+ ADAPTIVE Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca

Financial Statements—IDEO+ REFLEX Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca

Financial Statements—INDIVIDUAL Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca

Financial Statements — UNIVERSITAS Plan

For the year ended December 31, 2025 and 2024

Document also available on sedarplus.ca

Financial Statements—IDEO+ CONSERVATIVE Plan

for the six months periods ended June 30, 2025 and 2024

Financial Statements—IDEO+ RESPONSIBLE Plan

for the six months periods ended June 30, 2025 and 2024

Financial Statements—IDEO+ ADAPTIVE Plan

for the six months periods ended June 30, 2025 and 2024

Financial Statements—REFLEX Plan

for the six months periods ended June 30, 2025 and 2024

Financial Statements—INDIVIDUAL Plan

for the six months periods ended June 30, 2025 and 2024

Financial Statements—UNIVERSITAS

for the six months periods ended June 30, 2025 and 2024

Financial statements - IDEO+ CONSERVATIVE Plan

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

Also available at sedarplus.ca

Financial statements - IDEO+ RESPONSIBLE Plan

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

Also available at sedarplus.ca

Financial statements - IDEO+ ADAPTIVE Plan

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

Also available at sedarplus.ca

Financial statements - REFLEX Plan

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

Also available at sedarplus.ca

Financial statements - INDIVIDUAL Plan

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

Also available at sedarplus.ca

Financial statements - UNIVERSITAS Plan

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

Also available at sedarplus.ca

Financial Statements—IDEO+ CONSERVATIVE Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca

Financial Statements—IDEO+ RESPONSIBLE Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca

Financial Statements—IDEO+ ADAPTIVE Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca

Financial Statements—REFLEX Plan

For the year ended December 31, 2024 and 2023

Document also available on the sedarplus.ca

Financial Statements—INDIVIDUAL Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca

Financial Statements—UNIVERSITAS Plan

For the year ended December 31, 2024 and 2023

Document also available on sedarplus.ca

Quarterly returns

Your RESP at a glance IDEO+ Conservative

March 31, 2026

Your RESP at a glance IDEO+ Adaptive

March 31, 2026

Your RESP at a glance IDEO+ Responsible

March 31, 2026

Your RESP at a glance REFLEX

December 31, 2025

Your RESP at a glance UNIVERSITAS

December 31, 2025

Investments and Returns

Proxy voting records from Fiera Capital Corporation

2024-2025

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2932

2024-2025

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2924

2024-2025

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2914

2024-2025

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2934

2024-2025

Proxy voting records from Alphafixe Capital Inc.

2024-2025

Proxy voting records letter from Alphafixe Capital Inc.

2025 - French only

Proxy voting records from Jarislowsky Fraser Limited JF11660

2024-2025

Proxy voting records from Amundi

Q4 2024 - French only

Proxy voting records from Amundi

Q2 2025 - French only

Proxy voting records from Amundi

Q3 2024 - French only

Proxy voting records from Jarislowsky Fraser Limited JF11659

2024-2025

Proxy voting records from Jarislowsky Fraser Limited JF11198

2024-2025

Proxy voting records from Jarislowsky Fraser Limited JF11199

2024-2025

Proxy voting records from Alphafixe Capital Inc.

2023-2024 - French only

Proxy voting records from Fiera Capital Corporation

2023-2024 - French only

Proxy voting records from Jarislowsky Fraser Limited JF11660 - BNY and CIBC

2023-2024

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

2023-2024

Proxy voting records from Jarislowsky Fraser Limited JF11199 - CIBC

2023-2024

Proxy voting records from Jarislowsky Fraser Limited JF11199 - BNY

2023-2024

Proxy voting records from Jarislowsky Fraser Limited JF11198 - CIBC

2023-2024

Proxy voting records from Jarislowsky Fraser Limited JF11198 - BNY

2023-2024

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2914

2023-2024

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2924

2023-2024

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2932

2023-2024

Proxy voting records from Montrusco Bolton Investments Inc. - CEF2934

2023-2024

Group Life and Disability Insurance

Summary Group Life and Disability Insurance | IDEO+

For insurance policies taken out before December 21, 2023

Summary Group Life and Disability Insurance

Notice of Cancellation of an Insurance Contract | IDEO+

Notice of Cancellation of an Insurance Contract

Fact Sheet - Insurance

Useful forms

Application for the Basic CESG, Additional CESG and CLB - 0093

Form – Application for the Basic CESG, Additional CESG and CLB - Annex B

Form – Privacy and Protection of Personal Information

Form – Application for a Social Insurance Number (SIN)

Other Documents

Actuarial Certificate

International Ethics Standards Board for Accountants (“IESBA”) Code of Ethics

In accordance with the International Ethics Standards Board for Accountants (IESBA) Code of Ethics for Professional Accountants, the auditor is required to publicly disclose, on an annual basis, the audit and non-audit fees charged to public interest entities.
For the year ended December 31, 2025, the fees paid or payable to Deloitte LLP for the audit of the financial statements of the six plans amounted to $314,250 (2024 – $339,700) which include the fees related to the prospectus for the IDEO+ funds.