OMERS Pension Guide

My Future Focus Our My Future Focus default investment solution recognises that the balance between risk and return will change as members progress through their journey to retirement.

The My Future Focus default ‘universal’ strategy, (the glidepath of which is shown below), combines two multi-asset funds with environmental, social and governance (ESG) considerations integrated into the construction and the management of the strategy. The member’s journey starts in My Future Focus Long Term Growth and from 15 years before retirement customers are gradually moved into the My Future Focus Growth Fund. Starting 10 years before retirement, they slowly migrate to My Future Focus Consolidation. We selected a 15-year glidepath following extensive modelling where we put the fund’s asset allocation through different scenarios of investment returns and economic circumstances. It’s designed to achieve an appropriate balance between growth in the value of members’ savings and limit the risk of generating too broad a range of potential outcomes in the value of their savings. We’ll look in detail at the My Future Focus Long Term Growth, My Future Focus Growth and My Future Focus Consolidation Funds on the following pages.

We want our customers to have a journey to retirement that’s as smooth as possible and one which also helps them to grow their savings. To achieve this, one of the main objectives of My Future Focus is to ensure the relationship between risk and reward is managed as customers travel through their retirement journey. For us, this means giving customers the best opportunity to grow their savings in the earlier stages of their retirement journey by predominantly investing in riskier assets, and then switching to capital preservation, and therefore a bigger position in less risky assets, as customers get closer to retirement. To achieve this, My Future Focus invests in multi-asset funds that target explicit levels of volatility.

My Future Focus ‘universal strategy’ This option has been designed for members who haven’t yet decided how they want to use their pension savings and would prefer to keep their options open.

0 10 20 30 40 50 60 70 80 90 100

10 % 90 %

100 % 100 % 100 % 100 %

20 % 80 % 30 % 70 %

20 % 80 %

40 % 60 %

40 % 60 %

50 % 50 %

60 % 40 %

60 % 40 %

70 % 30 %

80 % 20 %

80 % 20 %

Percentage invested

90 % 10 % 100 %

100 %

40+

30

20

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

Years to retirement

My Future Focus Long Term Growth

My Future Focus Growth

My Future Focus Consolidation

4