Universal Life Product Overview & Performance

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Diversified Equity Portfolio

Currently tracking Franklin Quotential Diversified Equity Portfolio

November 30, 2025

Fund Overview

Long-term capital appreciation by investing primarily in a diversified mix of global equity mutual funds.

Risk Rating

This fund's risk rating is Medium

As of October 31, 2025

Asset Allocation (%)

Asset Percent
US Equity 62.7%
International Equity 31.7%
Canadian Equity 3.8%
Cash and Equivalents 1.6%
Foreign Corporate Bonds 0.1%
Income Trust Units 0.1%

Sector Allocation (%)

Sector Percent
Technology 33.8%
Exchange Traded Fund 18.1%
Mutual Fund 12.0%
Financial Services 8.8%
Consumer Services 5.6%
Healthcare 5.3%
Consumer Goods 4.4%
Industrial Goods 4.0%
Cash and Cash Equivalent 1.6%
Other 6.4%

Geographic Allocation (%)

Region Percent
North America 67.4%
Europe 15.2%
Asia 8.6%
Latin America 1.3%
Africa and Middle East 0.4%
Other 7.1%

Top 10 Holdings (%)

As of October 31, 2025

Name Percent
Franklin U.S. Core Equity Fund Series O 26.19%
Franklin FTSE U.S. Index ETF (FLAM) 12.94%
Franklin International Core Equity Fund Series O 11.13%
Franklin Putnam U.S. Large Cap Value Fund Series O 8.75%
Franklin U.S. Opportunities Fund Series O 8.10%
Templeton Emerging Markets Fund Series O 6.58%
Franklin International Equity Index ETF (FLUR) 5.12%
Franklin U.S. Rising Dividends Fund Series O 4.61%
Franklin ClearBridge Intl Gth Fd Ser O 4.46%
Franklin Emerging Markets Core Equity Fund Ser O 4.36%

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 $21,846

Calendar Return (%)

As of November 30, 2025

Period 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Fund 22.48 15.00 -13.94 14.40 12.82 17.89 -7.34 9.63 0.68 9.74

Compound Return (%)

As of November 30, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund -0.32 7.09 14.91 12.94 15.54 10.04 7.95
Product Current annual LIO admin fee Maximum annual LIO admin fee
Equitable Generations 0.00 % 0.00 %

Other Fund Information

Product Availabilty

Equitable Generations™

Date of Inception:

June 2003

Estimated Management
Expense Ratio (MER)*:

2.16%

Fund Category

Global Equity

Portfolio Manager

Franklin Templeton Investments Corp.

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Performance Chart

Period:
Diversified Equity Portfolio

Summary

For the period 11/30/2015 through 11/30/2025 with $10,000 CAD investment

Total returns performance

118.46% Up

Value of $10,000 investment

$21,846.11  CAD