CDSPI Funds
A diverse lineup of low-fee investment funds rated #1 in performance*
Our Funds
Our diverse lineup of low-fee investment funds offers you a range of asset classes, investment managers and styles—with a history of strong long-term performance. CDSPI funds provide you with flexibility in meeting your investment goals, and our Investment Planning Advisors can help you choose what’s right for you.
What Sets CDSPI Funds Apart
CDSPI Fund Performance
*Segregated funds are governed under life insurance regulations and when there is a preferred beneficiary named may provide protection from creditors.
~Based on analysis by Morningstar Inc., of CDSPI funds, as of Apr. 30, 2021, with performance records of three years or more. Past performance is not necessarily indicative of future results. For more details on the calculation of Morningstar quartile rankings, please see morningstar.ca.
CDSPI Historic Fund Performance* ( as of February 28, 2025 )
Unit Values ( as of March 28, 2025 )
Funds
Granite Target Risk Funds
| Fund | Unit Value | Daily Price Change | 1 Year | 3 Year | 5 Year | 10 Year | MER† |
|---|---|---|---|---|---|---|---|
| CDSPI Granite Aggressive Portfolio (Sun Life) | 14.74240 | (0.222) | 15.4 | 7.1 | 7.9 | N/A | 1.50 |
| CDSPI Granite Balanced Portfolio (Sun Life) | 13.33830 | (0.193) | 13.2 | 5.2 | 5.6 | N/A | 1.50 |
| CDSPI Granite Conservative Portfolio (Sun Life) | 11.60970 | (0.1643) | 10.9 | 3.3 | 2.6 | N/A | 1.50 |
| CDSPI Granite Growth Portfolio (Sun Life) | 14.07730 | (0.2058) | 14.2 | 6.1 | 6.7 | N/A | 1.50 |
| CDSPI Granite Moderate Portfolio (Sun Life) | 12.61090 | (0.1619) | 11.8 | 4.3 | 4.4 | N/A | 1.50 |
Index Fund Portfolios
| Fund | Unit Value | Daily Price Change | 1 Year | 3 Year | 5 Year | 10 Year | MER† |
|---|---|---|---|---|---|---|---|
| CDSPI Aggressive Index Portfolio (BlackRock®) | 27.68970 | (0.2669) | 18.2 | 8.6 | 9.6 | 7.1 | 0.85 |
| CDSPI Conservative Index Portfolio (BlackRock®) | 21.03720 | (0.2044) | 12.9 | 4.4 | 4.4 | 3.8 | 0.85 |
| CDSPI Moderate Index Portfolio (BlackRock®) | 24.21830 | (0.235) | 15.5 | 6.5 | 7.0 | 5.5 | 0.85 |
Income/Equity Fund Portfolios
| Fund | Unit Value | Daily Price Change | 1 Year | 3 Year | 5 Year | 10 Year | MER† |
|---|---|---|---|---|---|---|---|
| CDSPI Aggressive Growth Portfolio (CI) | 28.63640 | 1.45560 | 19.0 | 10.3 | 11.4 | 7.5 | 1.65 |
| CDSPI Balanced Portfolio (CI) | 23.06030 | (0.1343) | 13.1 | 6.5 | 6.9 | 5.0 | 1.65 |
| CDSPI Conservative Growth Portfolio (CI) | 24.56190 | (0.144) | 14.1 | 7.3 | 8.3 | 5.7 | 1.65 |
| CDSPI Income Plus Portfolio (CI) | 20.68090 | (0.1131) | 10.8 | 4.6 | 4.7 | 3.7 | 1.65 |
| CDSPI Income Portfolio (CI) | 20.68070 | (0.1227) | 10.8 | 4.3 | 3.8 | 3.2 | 1.65 |
| CDSPI Moderate Growth Portfolio (CI) | 25.75220 | (0.1512) | 15.0 | 8.3 | 9.5 | 6.4 | 1.65 |
Corporate Class Funds
| Fund | Unit Value | Daily Price Change | 1 Year | 3 Year | 5 Year | 10 Year | MER† |
|---|---|---|---|---|---|---|---|
| CDSPI Canadian Bond Fund Corporate Class (CI) | 14.49900 | (0.1416) | 7.7 | 0.8 | 0 | 0.8 | 1.10 |
| CDSPI Canadian Equity Fund Corporate Class (CI) | 30.05370 | (0.2917) | 18.1 | 9.0 | 13.2 | 8.0 | 1.65 |
| CDSPI Corporate Bond Fund Corporate Class (CI) | 23.39370 | (0.2178) | 10.2 | 3.7 | 3.0 | 3.4 | 1.25 |
| CDSPI Income and Growth Fund Corporate Class (CI) | 34.56990 | (0.346) | 13.8 | 6.7 | 8.6 | 5.7 | 1.45 |
| CDSPI Short-Term Fund Corporate Class (CI) | 10.52860 | (0.0575) | 3.1 | 2.6 | 1.1 | 0.5 | 0.75 |
Guaranteed Fund Rates
| Fund | Rate |
|---|---|
| CDSPI 1 Year Guaranteed Fund (SLA) | 2.40000 |
| CDSPI 2 Year Guaranteed Fund (SLA) | 2.40000 |
| CDSPI 3 Year Guaranteed Fund (SLA) | 2.40000 |
| CDSPI 4 Year Guaranteed Fund (SLA) | 2.50000 |
| CDSPI 5 Year Guaranteed Fund (SLA) | 2.50000 |
* Average annual compound rate of return with all fees deducted. One to ten year performance for the period ending February 28, 2025. The above are historic results based on past performance and are not necessarily indicative of future performance.
† Plus applicable taxes.
Note: Fees may be levied for short-term trading.
BlackRock is a registered trade-mark of BlackRock, Inc.
Investment Resources
A Market Update from Cumberland Private Wealth
Our partner, Cumberland Private Wealth, has prepared an exclusive Quarter-End report on the current market volatility following recent geopolitical events.
Investing as a New Dentist – What You Need to Know
We'll help you create a financial plan that balances risk and reward to help you achieve your financial goals.
Passing Down the Family Cottage: An Interview with Shawna Perron
For those who wish to keep the cottage in the family, careful planning is essential to avoid significant tax burdens that come with inheriting a property.
Don’t Pay Unnecessary Taxes: 6 Tax Minimization Tips for Dentists for 2024
Keep more of your hard-earned income by planning ahead.
A new Cash back + Free trades offer from Qtrade
You could get up to 5% cash back (and more). The more you fund, the more you save.
Five Key Financial Considerations for Dental Grads
As new dental graduates embark on their careers, equipping them with financial knowledge sets them up for success.
Consider Making Your Corporation Part of Estate Planning
The goal is to meet your own needs during your lifetime, while maximizing what you leave for others. That’s where your dental corporation can play a key role.
Customize Your Retirement: Consider an Individual Pension Plan (IPP)
If your practice is incorporated and you are looking for a more significant nest egg with even better income tax protection than an RRSP, an Individual Pension Plan could be the answer.
Demystifying Trust Funds for Dentists
They can provide long-term financial flexibility that creates many options for sharing and preserving wealth and optimizing tax savings.
Interest Rate Hikes Spark Interest in Annuities
How would you like to have an investment that is considered safe and will pay you a guaranteed income every year for the rest of your life?
Beyond the Stars: CDSPI Shines with Morningstar Ratings
When it comes to measuring fund performance, the Morningstar Rating system is one of the most widely used tools to offer guidance for investors.
Diversifying Your Portfolio: Understanding Asset Classes
Diversification might sound like a financial buzzword, but it is key to building a healthy and resilient investment portfolio. Think: don't put all your eggs in one basket.
Laddering: Safely Scale to New Financial Heights
Laddering is a straightforward, low-risk investment strategy that involves systematically investing a set amount at regular intervals in low-risk investments.
Dollar-Cost Averaging: A Smoother Path to Success
While it might sound complicated, dollar-cost averaging is a simple concept that can lead to results that are anything but average.
The First Home Savings Account: Your Questions Answered
The first home savings account, or FHSA, is a new savings tool to help first-time homebuyers purchase a home by offering tax advantages.
Let the Experts Manage Your Wealth so You can Manage your Life.
If your attention is pulled in too many directions, it may be time to delegate the job of investment management to a team of experts who specialize in the needs of high-net-worth professionals.
Escalators, Elevators and Swings. Advice for Riding the Stock Market.
In the world of the stock market there’s an old truism that you might have heard—as a general rule, markets take the escalator up and the elevator down.
Debt: Minimizing Stress and Maximizing Benefits
Some people want to pay off debt as soon as possible and are conflicted by the fact that investing for the future is also important. But which takes priority?
TFSA or RRSP? It Depends on Your Financial Plan.
Every year around this time, we get asked whether it's best to invest in an RRSP or TFSA. Like many things, it depends and both accounts have their benefits.
TFSA Strategies
For more than a decade, advisors across the country have been pushing their clients to invest in one of the greatest tax strategies Canadians have at their disposal: the TFSA.
* Source: Morningstar Direct.
1 Catherine Harris, Seg funds struggled through another difficult year, March 11, 2024, Investment Executive.
2 Segregated funds are governed under life insurance regulations and when there is a preferred beneficiary named may provide protection from creditors.