Universal Life Product Overview & Performance

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Domestic

Currently tracking Franklin Quotential Balanced Growth Portfolio

January 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 January 31, 2025

Asset Allocation (%)

Asset Percent
US Equity 31.6%
Canadian Equity 16.8%
International Equity 12.4%
Cash and Equivalents 12.3%
Canadian Government Bonds 9.9%
Canadian Corporate Bonds 5.9%
Foreign Bonds - Other 5.7%
Canadian Bonds - Funds 2.8%
Foreign Corporate Bonds 1.7%
Other 0.9%

Sector Allocation (%)

Sector Percent
Fixed Income 37.2%
Technology 13.9%
Cash and Cash Equivalent 12.3%
Financial Services 8.8%
Mutual Fund 8.2%
Consumer Services 4.6%
Healthcare 4.3%
Consumer Goods 3.0%
Energy 2.8%
Other 4.9%

Geographic Allocation (%)

Region Percent
North America 79.9%
Multi-National 6.6%
Europe 4.7%
Asia 3.1%
Latin America 0.6%
Africa and Middle East 0.2%
Other 4.9%

Top 10 Holdings (%)

As of January 31, 2025

Name Percent
Franklin Canadian Core Plus Bd Fd O 15.45%
Franklin U.S. Core Equity Fund Series O 10.13%
Franklin Canadian Government Bond Fund O 8.60%
Franklin FTSE U.S. Index ETF (FLAM) 6.87%
Franklin ClearBridge Canadian Equity Fund O 6.26%
Franklin Global Core Bond Fund ETF Series (FLGA) 5.64%
Franklin Canadian Core Equity Fund Series O 5.45%
SPDR Portfolio S&P 500 Value ETF (SPYV) 4.90%
Franklin FTSE Canada All Cap Index ETF (FLCD) 4.29%
Franklin International Core Equity Fund Series O 4.13%

Growth of $10,000

As of January 31, 2025

Period:

For the period 01/31/2015 through 01/31/2025 with $10,000 CAD investment, The value of the investment would be $16,190

Calendar Return (%)

As of January 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 January 31, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 2.76 4.99 7.17 16.69 5.56 5.83 4.42
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)*:

2.05%

Fund Category

Global Neutral Balanced

Portfolio Manager

Fiduciary Trust Company of Canada

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Performance Chart

Period:
Domestic

Summary

For the period 01/31/2015 through 01/31/2025 with $10,000 CAD investment

Total returns performance

61.90%

Value of $10,000 investment

$16,189.62  CAD