Group Savings & Retirement
Our Group Savings & Retirement Solutions include:
- defined contribution pension plans
- group registered retirement savings plans
- deferred profit-sharing plans
- Employee Share Ownership Plan
- group non-registered retirement savings plans
We offer two comprehensive products in the defined contribution and investment only markets: Group Retirement Options (GRO) and Corporate Investment Options (CIO).
Group Retirement Options (GRO)
GRO is one of the most comprehensive, technologically-advanced products in the group savings market. With GRO, we provide group savings products that give employers and their employees the right solutions for retirement savings with significant value-added features:
- leading-edge Internet Technology to enroll members, submit contributions and process payments
- fully secure web access for members to transfer between funds
- change investment direction and access personal rate of return
- comprehensive educational investment material
- detailed member statements with customized messaging
- 24-hour, 7-day Interactive Voice Response system
- wide choice of funds and a broad selection of fund managers.
Corporate Investment Options (CIO)
CIO is an investment-only management product for investing defined benefit assets administered by third parties. It is designed for corporate clients, offering the investment diversity only available through a multi manager approach. CIO provides both registered and non-registered plans and offers an extensive line of high-quality investment options - all in one contract.

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