2026 Canadian Target-Date Funds

Target-date strategies are designed to simplify the journey for people who don’t want to worry about deciding how much risk to take, which funds to choose, or when to rebalance—all of which are key factors in staying on track for retirement. Two decades after their debut, Canadian target-date funds have reached a massive milestone. Total assets now exceed $159 billion, driven by strong market growth and steady retirement plan contributions.  

These strategies aim to grow retirement savings early on by investing mostly in stocks, the asset class with the highest long-term return potential. Within this framework, there’s room for many variations that we cover in this report.