Section 4: Participant Rights and Responsibilities

4.01 – General

Participants in the GRRSP are responsible for using the information and decision-making tools made available by Manulife and CBAF to assist them in making those decisions.

4.02 – Investment Decisions

Participants are responsible for all decisions related to the amount they contribute, how much they allocate to any given investment option, and whether or not to move funds from one investment option to another. As such, the participant bears all the investment risk and receives the investment returns attributable to those investment options in which they are invested. CBAF has no direct or immediate exposure to investment risk resulting from the participant’s investment decisions.

4.03 – Default Investment Options

Participants are expected to specify their investment allocation at the time of enrolment in the GRRSP. However, if such allocation is not provided with respect to contributions into their account, the participant’s account shall be invested in the Default Investment Option as stated in Appendix A.

If an investment option is removed, and a participant fails to reallocate their funds invested in the removed option, that portion of the participant’s account invested in that option shall be invested in the Default Investment Option selected by the CBAF at the time the investment option is removed and communicated to participants at that time.

 

[whohit]Investment Policy Statement: Section 4[/whohit]
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