Universal Life Product Overview & Performance

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Balanced Income

Currently tracking Franklin Quotential Balanced Income Portfolio

February 28, 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 February 28, 2026

Asset Allocation (%)

Asset Percent
US Equity 19.8%
Canadian Government Bonds 18.8%
Canadian Corporate Bonds 17.4%
Canadian Equity 12.1%
International Equity 10.5%
Foreign Bonds - Other 9.2%
Foreign Corporate Bonds 5.9%
Cash and Equivalents 3.8%
Foreign Government Bonds 1.9%
Mortgages 0.6%

Sector Allocation (%)

Sector Percent
Fixed Income 60.4%
Exchange Traded Fund 8.7%
Technology 7.8%
Mutual Fund 7.6%
Financial Services 4.0%
Cash and Cash Equivalent 3.8%
Healthcare 1.9%
Consumer Services 1.8%
Basic Materials 1.5%
Other 2.5%

Geographic Allocation (%)

Region Percent
North America 77.9%
Multi-National 9.0%
Asia 4.0%
Europe 3.8%
Latin America 0.6%
Africa and Middle East 0.1%
Other 4.6%

Top 10 Holdings (%)

As of February 28, 2026

Name Percent
Franklin Canadian Core Plus Bd Fd O 24.88%
Franklin Canadian Government Bond Fund O 12.22%
Franklin Global Core Bond Fund ETF Series (FLGA) 8.95%
Franklin U.S. Core Equity Fund Series O 8.39%
Franklin Canadian Short Term Bd Fd O 5.76%
Franklin Canadian Core Equity Fund Series O 4.28%
Franklin FTSE U.S. Index ETF (FLAM) 3.99%
Franklin ClearBridge Canadian Equity Fund O 3.83%
Franklin Brandywine Global Inc Opt Fd O 3.65%
Franklin International Core Equity Fund Series O 3.31%

Growth of $10,000

As of February 28, 2026

Period:

For the period 02/29/2016 through 02/28/2026 with $10,000 CAD investment, The value of the investment would be $15,074

Calendar Return (%)

As of February 28, 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 February 28, 2026

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 1.99 2.25 6.63 8.20 9.00 4.40 4.42
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)*:

2.00%

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 02/29/2016 through 02/28/2026 with $10,000 CAD investment

Total returns performance

50.74% Up

Value of $10,000 investment

$15,074.06  CAD