Rates and fund performance

Annualized rates of return

An annualized rate of return is the return on an investment over a period other than one year, such as four months or two years, which is then multiplied or divided to produce a similar one-year return.

Grandfathered funds

These products are no longer offered for sale, but are still managed and the results are available below.

Annual rates of return

An annual rate of return is the return on investment within a one year period.

Grandfathered funds

These products are no longer offered for sale, but are still managed and the results are available below.

Unit Values

A unit value is the dollar value of a single unit of the fund.

Grandfathered funds

These products are no longer available for sale, but are still managed and posted here for current clients who can contribute to them.


Variable Rate Option
A variable rate option (VRO) account ensures that your plan keeps pace with current interest rates. Because these rates may change frequently, interest is credited each day.

Variable rate option at May 15, 2013 is 0.250%

Subject to change at any time

Guaranteed Rate Option
The guaranteed rate option (GRO) account allows you to choose a fixed period of up to five years, during which interest is guaranteed for the length of the term and compounded annually.

Guaranteed rate option interest rates at May 15, 2013

1 year    2 year    3 year    4 year    5 year
0.625%  0.750% 1.000%  1.250%  1.375%

Subject to change at any time