Investment Results

Individual Results

The return indicated on each member statement is a combination of the funds, based on that member’s balance in each, and the respective monthly earnings, less approximately 0.9% for plan expenses. Remember that assets in individual member accounts are allocated between these two funds based on the member’s age, so everyone will experience a slightly different combined return based on the allocation.

The investment returns posted here have been calculated and provided by Mercer. The returns reflect the investment results before netting against management, custodial and administrative fees.

2024 Performance Results

The following tables shows investment results from January 1 to December 31, 2024

ELCIC Pension Plan

ELCIC Pension Plan Return	Pooled Survey Median Balanced Fund	Excess Return
14.8%	14.5%	+0.3%

Growth Fund

ELCIC Portfolio Return	Fund Objective CPI + 5%	Excess Return
23.7%	6.9%	+16.8%

Fixed Income Fund

ELCIC Portfolio Return	Fund Objective CPI + 1%	Excess Return
5.5%	2.9%	+2.6%

Four-Year Returns

The following tables show the rolling four-year results ending December 31, 2024.

Growth Fund

Four Year Rolling Growth Fund Return	Four Year Fund Objective CPI + 5%	Excess Return
10.2%	9.3%	+0.9%

Fixed Income Fund

Four Year Rolling Fixed Income Fund Return	Four Year Fund Objective CPI + 1%	Excess Return
0.8%	5.1%	-4.3%

Five Years of Historical Results by Fund

Note that all returns are before netting for expenses.

Investment Results

Individual Results