Universal Life Product Overview & Performance

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Balanced Growth

Currently tracking Franklin Quotential Balanced Growth Portfolio

September 30, 2026

Fund Overview

A balance of current income and long-term capital appreciation by investing in a diversified mix of equity and income mutual funds, with a bias towards capital appreciation.

Risk Rating

This fund's risk rating is Low to Medium

As of September 30, 2026

Asset Allocation (%)

Asset Percent
US Equity 29.6%
Canadian Equity 17.2%
International Equity 15.8%
Canadian Corporate Bonds 11.6%
Canadian Government Bonds 11.3%
Foreign Bonds - Other 6.0%
Foreign Corporate Bonds 3.5%
Cash and Equivalents 1.4%
Foreign Government Bonds 1.3%
Other 2.5%

Sector Allocation (%)

Sector Percent
Fixed Income 34.0%
Technology 14.5%
Mutual Fund 13.2%
Exchange Traded Fund 11.7%
Financial Services 7.0%
Healthcare 3.0%
Consumer Services 2.5%
Industrial Goods 2.5%
Basic Materials 2.2%
Other 9.6%

Geographic Allocation (%)

Region Percent
North America 75.5%
Europe 7.5%
Asia 7.3%
Multi-National 7.1%
Latin America 1.1%
Africa and Middle East 0.3%
Other 1.1%

Top 10 Holdings (%)

As of September 30, 2026

Name Percent
Franklin Canadian Core Plus Bd Fd O 15.45%
Franklin U.S. Core Equity Fund Series O 13.49%
Franklin Canadian Government Bond Fund O 7.73%
Franklin Canadian Core Equity Fund Series O 6.87%
Franklin FTSE U.S. Index ETF (FLAM) 5.42%
Franklin ClearBridge Canadian Equity Fund O 5.31%
Franklin International Core Equity Fund Series O 5.04%
Franklin Global Core Bond Fund ETF Series (FLGA) 5.04%
Franklin Putnam U.S. Large Cap Value Fund Series O 4.73%
Franklin FTSE Canada All Cap Index ETF (FLCD) 3.85%

Growth of $10,000

As of September 30, 2026

Period:

For the period 09/30/2016 through 09/30/2026 with $10,000 CAD investment, The value of the investment would be $17,701

Calendar Return (%)

As of September 30, 2026

Period 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Fund 10.36 14.18 10.01 -11.77 9.43 8.07 11.34 -5.46 6.23 2.19

Compound Return (%)

As of September 30, 2026

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund -0.29 -0.52 8.20 9.50 13.57 6.58 5.84
Product Current annual LIO admin fee Maximum annual LIO admin fee
Equation Generation IV (Low Fee) 0.45 % 0.45 %
Equation Generation IV (Bonus) 2.20 % 2.20 %
EquiLife 0.45 % 0.45 %
Equation Generation III 2.75 % 2.75 %

Other Fund Information

Product Availabilty

Equation Generation IV
EquiLife
Equation Generation III

Date of Inception:

August 2002

Estimated Management
Expense Ratio (MER)*:

2.04%

Fund Category

Global Neutral Balanced

Portfolio Manager

Franklin Templeton Investments Corp.

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Performance Chart

Period:
Balanced Growth

Summary

For the period 09/30/2016 through 09/30/2026 with $10,000 CAD investment

Total returns performance

77.01% Up

Value of $10,000 investment

$17,701.37  CAD