The Fund’s investment objective is to provide a return on your investment (generated through an increase in the value of the assets held by the Fund and/or income received from those assets) over the long-term (five or more consecutive years). The Fund will invest at least 70% of its total assets in other funds to gain exposure globally to equity securities (e.g. shares), fixed income (FI) securities (such as government and non-government bonds) and, on a limited basis, commodities (though exposure to commodity funds is not expected to exceed 10%). The Fund may also invest directly in equity securities, FI securities, money market instruments (i.e. debt securities with short-term maturities), deposits and cash. The Fund applies two environmental, social and governance (ESG) commitments to its selection of other funds. First, at least 80% of the assets the Fund invests in government bond funds must be in funds that track benchmarks comprised of at least 50% of government bond issuers with an ESG government rating of BB or higher (as defined by MSCI or another data vendor). Second, at least 80% of the assets the Fund invests in other funds, other than funds used for EPM purposes, government bond funds and commodity funds, must be in funds that apply ESG screening criteria (as set out in the Fund’s prospectus) within their investment processes.