Universal Life Product Overview & Performance

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Balanced Growth

Currently tracking Franklin Quotential Balanced Growth Portfolio

August 31, 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 July 31, 2026

Asset Allocation (%)

Asset Percent
US Equity 29.9%
Canadian Equity 16.9%
International Equity 15.9%
Canadian Corporate Bonds 12.2%
Canadian Government Bonds 11.9%
Foreign Bonds - Other 5.7%
Foreign Corporate Bonds 4.0%
Cash and Equivalents 1.7%
Foreign Government Bonds 1.4%
Mortgages 0.4%

Sector Allocation (%)

Sector Percent
Fixed Income 43.5%
Technology 13.5%
Exchange Traded Fund 11.9%
Mutual Fund 11.3%
Financial Services 7.2%
Consumer Services 3.0%
Healthcare 2.9%
Industrial Goods 2.6%
Consumer Goods 2.1%
Energy 2.0%

Geographic Allocation (%)

Region Percent
North America 76.6%
Europe 7.6%
Asia 7.3%
Multi-National 5.6%
Latin America 1.1%
Africa and Middle East 0.3%
Other 1.5%

Top 10 Holdings (%)

As of July 31, 2026

Name Percent
Franklin Canadian Core Plus Bd Fd O 16.01%
Franklin U.S. Core Equity Fund Series O 13.36%
Franklin Canadian Government Bond Fund O 7.80%
Franklin Canadian Core Equity Fund Series O 6.53%
Franklin FTSE U.S. Index ETF (FLAM) 5.62%
Franklin Global Core Bond Fund ETF Series (FLGA) 5.58%
Franklin ClearBridge Canadian Equity Fund O 5.41%
Franklin International Core Equity Fund Series O 4.79%
Franklin Putnam U.S. Large Cap Value Fund Series O 4.75%
Templeton Emerging Markets Fund Series O 4.01%

Growth of $10,000

As of August 31, 2026

Period:

For the period 08/31/2016 through 08/31/2026 with $10,000 CAD investment, The value of the investment would be $17,887

Calendar Return (%)

As of August 31, 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 August 31, 2026

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 0.81 1.25 4.63 13.54 12.46 6.05 5.91
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 08/31/2016 through 08/31/2026 with $10,000 CAD investment

Total returns performance

78.87% Up

Value of $10,000 investment

$17,887.25  CAD