Universal Life Product Overview & Performance

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Balanced Growth

Currently tracking Franklin Quotential Balanced Growth Portfolio

July 31, 2025

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, 2025

Asset Allocation (%)

Asset Percent
US Equity 28.6%
Canadian Equity 16.6%
International Equity 15.1%
Canadian Government Bonds 12.8%
Canadian Corporate Bonds 10.0%
Foreign Bonds - Other 6.2%
Foreign Corporate Bonds 4.7%
Cash and Equivalents 4.1%
Foreign Government Bonds 1.5%
Mortgages 0.4%

Sector Allocation (%)

Sector Percent
Fixed Income 43.8%
Exchange Traded Fund 12.7%
Technology 11.7%
Mutual Fund 11.1%
Financial Services 6.1%
Cash and Cash Equivalent 4.1%
Consumer Services 3.1%
Healthcare 2.4%
Industrial Goods 2.0%
Other 3.0%

Geographic Allocation (%)

Region Percent
North America 76.3%
Europe 7.9%
Multi-National 6.1%
Asia 3.7%
Latin America 0.7%
Africa and Middle East 0.3%
Other 5.0%

Top 10 Holdings (%)

As of July 31, 2025

Name Percent
Franklin Canadian Core Plus Bd Fd O 16.62%
Franklin U.S. Core Equity Fund Series O 11.51%
Franklin Canadian Government Bond Fund O 8.46%
Franklin Global Core Bond Fund ETF Series (FLGA) 6.08%
Franklin ClearBridge Canadian Equity Fund O 5.99%
Franklin FTSE U.S. Index ETF (FLAM) 5.91%
Franklin International Core Equity Fund Series O 5.33%
Franklin Canadian Core Equity Fund Series O 5.25%
Franklin FTSE Canada All Cap Index ETF (FLCD) 4.12%
Franklin Putnam U.S. Large Cap Value Fund Series O 3.97%

Growth of $10,000

As of July 31, 2025

Period:

For the period 07/31/2015 through 07/31/2025 with $10,000 CAD investment, The value of the investment would be $15,346

Calendar Return (%)

As of July 31, 2025

Period 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Fund 14.18 10.01 -11.77 9.43 8.07 11.34 -5.46 6.23 2.19 5.21

Compound Return (%)

As of July 31, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 0.97 6.14 1.02 8.27 8.74 5.80 4.16
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 07/31/2015 through 07/31/2025 with $10,000 CAD investment

Total returns performance

53.46% Up

Value of $10,000 investment

$15,346.17  CAD