Universal Life Product Overview & Performance

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Balanced Income

Currently tracking Franklin Quotential Balanced Income 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 21.8%
Cash and Equivalents 17.2%
Canadian Government Bonds 15.2%
Canadian Equity 11.4%
Canadian Corporate Bonds 9.0%
Foreign Bonds - Other 8.7%
International Equity 8.3%
Canadian Bonds - Funds 4.3%
Foreign Corporate Bonds 2.7%
Other 1.4%

Sector Allocation (%)

Sector Percent
Fixed Income 48.0%
Cash and Cash Equivalent 17.2%
Technology 9.3%
Mutual Fund 6.3%
Financial Services 5.9%
Consumer Services 3.1%
Healthcare 2.9%
Consumer Goods 2.0%
Energy 2.0%
Other 3.3%

Geographic Allocation (%)

Region Percent
North America 80.5%
Multi-National 10.0%
Europe 3.2%
Asia 2.1%
Latin America 0.4%
Africa and Middle East 0.1%
Other 3.7%

Top 10 Holdings (%)

As of January 31, 2025

Name Percent
Franklin Canadian Core Plus Bd Fd O 23.57%
Franklin Canadian Government Bond Fund O 13.12%
Franklin Global Core Bond Fund ETF Series (FLGA) 8.60%
Franklin U.S. Core Equity Fund Series O 6.78%
Franklin FTSE U.S. Index ETF (FLAM) 4.61%
FRANKLIN CANADIAN SHORT TERM BOND FUND OEMF CAD CLASS O TIS A/C #4875 4.30%
Franklin ClearBridge Canadian Equity Fund O 4.19%
USD_CAD_20250407 3.91%
Franklin Canadian Core Equity Fund Series O 3.65%
Franklin Brandywine Global Sust Inc Opt Fd O 3.34%

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 $14,241

Calendar Return (%)

As of January 31, 2025

Period 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Fund 10.24 8.37 -12.06 5.27 7.61 9.03 -3.90 4.75 1.92 4.75

Compound Return (%)

As of January 31, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 2.13 3.79 5.47 12.53 3.44 3.62 3.09
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

Fiduciary Trust Company of Canada

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Performance Chart

Period:
Balanced Income

Summary

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

Total returns performance

42.41%

Value of $10,000 investment

$14,241.14  CAD