Universal Life Product Overview & Performance

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Domestic

Currently tracking Franklin Quotential Balanced Growth Portfolio

September 30, 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 August 31, 2025

Asset Allocation (%)

Asset Percent
US Equity 29.0%
Canadian Equity 16.8%
International Equity 14.6%
Canadian Government Bonds 12.6%
Canadian Corporate Bonds 10.2%
Foreign Bonds - Other 6.1%
Foreign Corporate Bonds 4.7%
Cash and Equivalents 4.1%
Foreign Government Bonds 1.5%
Mortgages 0.4%

Sector Allocation (%)

Sector Percent
Fixed Income 42.7%
Exchange Traded Fund 12.8%
Technology 11.8%
Mutual Fund 11.1%
Financial Services 6.4%
Cash and Cash Equivalent 4.2%
Consumer Services 3.3%
Healthcare 2.8%
Consumer Goods 2.6%
Industrial Goods 2.3%

Geographic Allocation (%)

Region Percent
North America 76.8%
Europe 8.5%
Multi-National 6.0%
Asia 5.2%
Latin America 0.7%
Africa and Middle East 0.3%
Other 2.5%

Top 10 Holdings (%)

As of August 31, 2025

Name Percent
Franklin Canadian Core Plus Bd Fd O 16.46%
Franklin U.S. Core Equity Fund Series O 11.64%
Franklin Canadian Government Bond Fund O 8.33%
Franklin Global Core Bond Fund ETF Series (FLGA) 6.03%
Franklin ClearBridge Canadian Equity Fund O 5.98%
Franklin FTSE U.S. Index ETF (FLAM) 5.90%
Franklin Canadian Core Equity Fund Series O 5.43%
Franklin International Core Equity Fund Series O 5.32%
Franklin FTSE Canada All Cap Index ETF (FLCD) 4.13%
Franklin Putnam U.S. Large Cap Value Fund Series O 4.00%

Growth of $10,000

As of September 30, 2025

Period:

For the period 09/30/2015 through 09/30/2025 with $10,000 CAD investment, The value of the investment would be $16,465

Calendar Return (%)

As of September 30, 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 September 30, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 3.39 5.94 8.96 11.03 12.44 6.70 5.37
Product Current annual LIO admin fee Maximum annual LIO admin fee
Equation 2.75 % 3.25%1/2.75%2
Direction 2000 Plus 2.75 % 2.75 %

1 Policies effective April 10, 1995 to July 14, 1997
2 Policies effective July 15, 1997 to September 23, 2001

Other Fund Information

Product Availabilty

Equation
Direction 2000 Plus

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:
Domestic

Summary

For the period 09/30/2015 through 09/30/2025 with $10,000 CAD investment

Total returns performance

64.65% Up

Value of $10,000 investment

$16,464.89  CAD