Universal Life Product Overview & Performance

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Domestic

Currently tracking Franklin Quotential Balanced Growth Portfolio

November 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 October 31, 2025

Asset Allocation (%)

Asset Percent
US Equity 29.7%
Canadian Equity 17.3%
International Equity 15.1%
Canadian Government Bonds 12.3%
Canadian Corporate Bonds 10.3%
Foreign Bonds - Other 6.0%
Foreign Corporate Bonds 4.0%
Cash and Equivalents 3.7%
Foreign Government Bonds 1.2%
Mortgages 0.4%

Sector Allocation (%)

Sector Percent
Fixed Income 42.5%
Technology 13.2%
Exchange Traded Fund 12.7%
Mutual Fund 11.0%
Financial Services 6.2%
Cash and Cash Equivalent 3.7%
Consumer Services 3.0%
Healthcare 2.5%
Consumer Goods 2.1%
Other 3.1%

Geographic Allocation (%)

Region Percent
North America 77.3%
Europe 7.1%
Multi-National 5.8%
Asia 4.2%
Latin America 0.8%
Africa and Middle East 0.2%
Other 4.6%

Top 10 Holdings (%)

As of October 31, 2025

Name Percent
Franklin Canadian Core Plus Bd Fd O 16.08%
Franklin U.S. Core Equity Fund Series O 12.35%
Franklin Canadian Government Bond Fund O 7.89%
Franklin FTSE U.S. Index ETF (FLAM) 6.09%
Franklin Canadian Core Equity Fund Series O 5.83%
Franklin Global Core Bond Fund ETF Series (FLGA) 5.81%
Franklin ClearBridge Canadian Equity Fund O 5.79%
Franklin International Core Equity Fund Series O 5.11%
Franklin FTSE Canada All Cap Index ETF (FLCD) 4.30%
Franklin Putnam U.S. Large Cap Value Fund Series O 4.14%

Growth of $10,000

As of November 30, 2025

Period:

For the period 11/30/2015 through 11/30/2025 with $10,000 CAD investment, The value of the investment would be $16,777

Calendar Return (%)

As of November 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 November 30, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 0.41 5.35 10.23 9.54 10.55 6.38 5.21
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 11/30/2015 through 11/30/2025 with $10,000 CAD investment

Total returns performance

67.77% Up

Value of $10,000 investment

$16,776.84  CAD