Universal Life Product Overview & Performance

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Balanced Growth

Currently tracking Franklin Quotential Balanced Growth Portfolio

February 28, 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 February 28, 2026

Asset Allocation (%)

Asset Percent
US Equity 28.9%
Canadian Equity 17.5%
International Equity 15.5%
Canadian Government Bonds 12.2%
Canadian Corporate Bonds 11.3%
Foreign Bonds - Other 6.0%
Foreign Corporate Bonds 3.8%
Cash and Equivalents 3.1%
Foreign Government Bonds 1.3%
Mortgages 0.4%

Sector Allocation (%)

Sector Percent
Fixed Income 44.5%
Exchange Traded Fund 12.8%
Technology 11.5%
Mutual Fund 11.2%
Financial Services 5.7%
Cash and Cash Equivalent 3.1%
Healthcare 2.7%
Consumer Services 2.6%
Basic Materials 2.2%
Other 3.7%

Geographic Allocation (%)

Region Percent
North America 76.4%
Multi-National 5.8%
Asia 5.8%
Europe 5.6%
Latin America 0.7%
Africa and Middle East 0.2%
Other 5.5%

Top 10 Holdings (%)

As of February 28, 2026

Name Percent
Franklin Canadian Core Plus Bd Fd O 16.17%
Franklin U.S. Core Equity Fund Series O 12.33%
Franklin Canadian Government Bond Fund O 7.94%
Franklin Canadian Core Equity Fund Series O 6.29%
Franklin FTSE U.S. Index ETF (FLAM) 5.92%
Franklin Global Core Bond Fund ETF Series (FLGA) 5.79%
Franklin ClearBridge Canadian Equity Fund O 5.63%
Franklin International Core Equity Fund Series O 4.87%
Franklin Putnam U.S. Large Cap Value Fund Series O 4.45%
Franklin FTSE Canada All Cap Index ETF (FLCD) 4.17%

Growth of $10,000

As of February 28, 2026

Period:

For the period 02/29/2016 through 02/28/2026 with $10,000 CAD investment, The value of the investment would be $17,631

Calendar Return (%)

As of February 28, 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 February 28, 2026

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 2.39 3.01 8.52 11.52 11.81 6.82 6.13
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 02/29/2016 through 02/28/2026 with $10,000 CAD investment

Total returns performance

76.31% Up

Value of $10,000 investment

$17,631.37  CAD