Our clients, the depositors

We manage the funds of 41 depositor groups. Most are pension plans and public and parapublic insurance plans which, together, pay out benefits to more than two million Quebecers each year.

We seize the best investment opportunities for them, targeting optimal performance of their funds, based on their specific yield objectives, risk tolerance and investment horizons.

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Three types of depositors

  • Pension funds
    • Québec Pension Plan and the pension plans of hundreds of thousands of public and parapublic sector employees
  • Insurance plans
    • Insurance plans such as the Société de l’assurance automobile du Québec which has a fund to provide indemnities to victims of road accidents and to promote road safety
  • Other organizations
    • Other organizations, such as the Office de la protection du consommateur and the Ministère des Finances du Québec
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Our main clients

The funds of our eight main clients represent 96.3% of CDPQ’s net assets as at December 31, 2016.

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Logo of Finances Québec.

Retirement Plans Sinking Fund   

  • Net assets: $65.4 billion
  • Fund used by the Government of Québec to capitalize the employer’s portion of retirement benefits of employees in the public and parapublic sectors
  • Administered by the Ministère des Finances du Québec
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Government and Public Employees Retirement Plan (RREGOP)

  • Net assets: $63.6 billion
  • 546,000 contributors
  • 246,000 retirees and 17,000 surviving spouses and orphans
  • $5.1 billion in retirement benefits paid annually
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Québec Pension Plan

  • Net assets: $62.2 billion
  • 4.1 million contributors
  • 1.9 million beneficiaries
  • $13 billion in benefits paid annually
  • Administered by Retraite Québec
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Supplemental Pension Plan for Employees of the Québec Construction Industry

  • Net assets: $20.7 billion
  • 158,000 contributors
  • 89,000 retirees or surviving spouses
  • $787 million in benefits paid annually
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Fonds de la santé et de la sécurité du travail

  • Net assets: $15.4 billion
  • 225,000 contributing employers
  • 3.8 million workers covered
  • $1.9 billion in benefits paid annually
  • Administered by the Commission des normes, de l’équité, de la santé et de la santé du travail
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Fonds d'assurance automobile du Québec

  • Net assets: $11.3 billion
  • 5.3 million driver’s licences holders
  • 6.3 million registered vehicles
  • $1 billion paid in compensation annually
  • Administered by the Société de l’assurance automobile du Québec
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Generations Fund

  • Net assets: $11.2 billion
  • Fund used to repay Québec’s debt
  • Administered by the Ministère des Finances du Québec
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Pension Plan of Management Personnel

  • Net assets: $11.0 billion
  • 27,700 contributors
  • 28,000 retirees and 2,300 surviving spouses and orphans
  • $1.2 billion in benefits paid annually

Our other clients

We also manage the funds of several other public and parapublic organizations. For the complete list of all our clients, see our Annual Report.

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