Universal Life Product Overview & Performance

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Balanced Income

Currently tracking Franklin Quotential Balanced Income Portfolio

August 31, 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 July 31, 2026

Asset Allocation (%)

Asset Percent
US Equity 20.4%
Canadian Corporate Bonds 18.8%
Canadian Government Bonds 18.4%
Canadian Equity 11.7%
International Equity 10.9%
Foreign Bonds - Other 8.8%
Foreign Corporate Bonds 6.1%
Foreign Government Bonds 2.2%
Cash and Equivalents 2.0%
Mortgages 0.7%

Sector Allocation (%)

Sector Percent
Fixed Income 60.7%
Technology 9.2%
Exchange Traded Fund 8.1%
Mutual Fund 7.7%
Financial Services 5.0%
Consumer Services 2.1%
Healthcare 2.0%
Cash and Cash Equivalent 2.0%
Industrial Goods 1.8%
Consumer Goods 1.4%

Geographic Allocation (%)

Region Percent
North America 78.1%
Multi-National 8.6%
Europe 5.2%
Asia 5.0%
Latin America 1.2%
Africa and Middle East 0.2%
Other 1.7%

Top 10 Holdings (%)

As of July 31, 2026

Name Percent
Franklin Canadian Core Plus Bd Fd O 24.70%
Franklin Canadian Government Bond Fund O 12.06%
Franklin U.S. Core Equity Fund Series O 9.12%
Franklin Global Core Bond Fund ETF Series (FLGA) 8.63%
Franklin Canadian Short Term Bd Fd O 5.76%
Franklin Canadian Core Equity Fund Series O 4.45%
Franklin FTSE U.S. Index ETF (FLAM) 3.84%
Franklin ClearBridge Canadian Equity Fund O 3.69%
Franklin Brandywine Global Inc Opt Fd O 3.65%
Franklin International Core Equity Fund Series O 3.27%

Growth of $10,000

As of August 31, 2026

Period:

For the period 08/31/2016 through 08/31/2026 with $10,000 CAD investment, The value of the investment would be $14,933

Calendar Return (%)

As of August 31, 2026

Period 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Fund 7.52 10.24 8.37 -12.06 5.27 7.61 9.03 -3.90 4.75 1.92

Compound Return (%)

As of August 31, 2026

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 0.46 0.41 2.35 9.14 9.21 3.65 4.03
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)*:

1.99%

Fund Category

Global Fixed Income Balanced

Portfolio Manager

Franklin Templeton Investments Corp.

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Performance Chart

Period:
Balanced Income

Summary

For the period 08/31/2016 through 08/31/2026 with $10,000 CAD investment

Total returns performance

49.33% Up

Value of $10,000 investment

$14,932.91  CAD