Quarterly fund performance
Here’s how the underlying funds within our model portfolios performed during the last quarter.
Q3 2025
Quarterly fund performance for our Co-operators Financial Investment Services (CFIS) model portfolios as of March 30, 2025.
Very conservative (20/80)*
| Product | Cumulative returns | Annualized returns | ||||
|---|---|---|---|---|---|---|
| Quarterly | Year to date | One year | Three years | Five years | 10 years | |
| CFIS Very Conservative (ST) – Model Portfolio Lite | 2.04% | 4.08% | 4.24% | 5.89% | 2.20% | 3.16% |
| CFIS Very Conservative (ST) – Model Portfolio | 2.41% | 4.02% | 4.21% | 6.34% | 2.17% | 3.25% |
| CFIS Very Conservative (LT) – Model Portfolio Lite | 1.97% | 3.91% | 3.59% | 5.76% | 1.48% | 3.07% |
| CFIS Very Conservative (LT) – Model Portfolio | 2.62% | 3.96% | 3.74% | 6.25% | 1.58% | 3.23% |
Conservative (40/60)*
| Product | Cumulative returns | Annualized returns | ||||
|---|---|---|---|---|---|---|
| Quarterly | Year to date | One year | Three years | Five years | 10 years | |
| CFIS Conservative – Model Portfolio Lite | 2.13% | 4.86% | 5.04% | 7.24% | 3.40% | 4.68% |
| CFIS Conservative – Model Portfolio | 4.46% | 7.81% | 7.37% | 9.17% | 4.07% | - |
Moderate (60/40)*
| Product | Cumulative returns | Annualized returns | ||||
|---|---|---|---|---|---|---|
| Quarterly | Year to date | One year | Three years | Five years | 10 years | |
| CFIS Moderate – Model Portfolio Lite* | 4.93% | 10.79% | 16.86% | 13.52% | 8.08% | 9.12% |
| CFIS Moderate – Model Portfolio* | 6.80% | 9.69% | 13.13% | 14.37% | 7.62% | 8.09% |
Aggressive (80/20)*
| Product | Cumulative returns | Annualized returns | ||||
|---|---|---|---|---|---|---|
| Quarterly | Year to date | One year | Three years | Five years | 10 years | |
| CFIS Aggressive - Model Portfolio Lite | 5.84% | 11.57% | 16.88% | 16.57% | - | - |
| CFIS Aggressive - Model Portfolio | 8.27% | 13.04% | 16.33% | 17.17% | 9.84% | - |
Very Aggressive (100/0)*
| Product | Cumulative returns | Annualized returns | ||||
|---|---|---|---|---|---|---|
| Quarterly | Year to date | One year | Three years | Five years | 10 years | |
| CFIS Very Aggressive – Model Portfolio Lite | 7.38% | 14.26% | 20.73% | 19.58% | - | - |
| CFIS Very Aggressive – Model Portfolio | 10.39% | 17.04% | 20.38% | 19.62% | 11.93% | - |
*Our model portfolios range from very conservative to very aggressive risk profiles. They’re constructed to offer multi-layer diversification. A model portfolio for a:
- Very conservative profile is made up of 20% equities and 80% fixed income
- Conservative profile is made up of 40% equities and 60% fixed income
- Moderate profile is made up of 60% equities and 40% fixed income
- Aggressive profile is made up of 80% equities and 20% fixed income
- Very aggressive profile is made up of 100% equities
What’s inside our model portfolios?
Our model portfolios are a set of approximately 16 mutual funds narrowed down from more than 2,800 options offered by the fund companies we partner with. They represent the “best-in-class” solutions based on qualitative and quantitative analysis.
Mutual funds are offered through Co-operators Financial Investment Services Inc. to Canadian residents except those in Quebec and the territories. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently, and past performance may not be repeated.
Not all products are available in all provinces.
This material is provided for informational purposes only. Please refer to your policy for applicable coverage details, limitations, and exclusions. The information contained in this communication was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete. This communication is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell any investment.
If you have questions or want to discuss your investments, please contact your authorized financial representative. In Quebec, a licensed insurance advisor is a Financial Security Advisor or a Representative.