Universal Life Product Overview & Performance

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Diversified Income Portfolio

Currently tracking Franklin Quotential Diversified Income Portfolio

November 30, 2025

Fund Overview

High current income and some long-term capital appreciation by investing primarily in a diversified mix of income and bond mutual funds.

Risk Rating

This fund's risk rating is Low

As of October 31, 2025

Asset Allocation (%)

Asset Percent
Canadian Government Bonds 23.9%
Canadian Corporate Bonds 20.0%
US Equity 13.1%
Foreign Bonds - Other 11.1%
Foreign Corporate Bonds 8.5%
Canadian Equity 7.9%
International Equity 6.6%
Cash and Equivalents 5.7%
Foreign Government Bonds 2.4%
Mortgages 0.8%

Sector Allocation (%)

Sector Percent
Fixed Income 70.4%
Technology 5.8%
Cash and Cash Equivalent 5.7%
Exchange Traded Fund 5.6%
Mutual Fund 4.9%
Financial Services 2.9%
Consumer Services 1.3%
Healthcare 1.1%
Consumer Goods 0.9%
Other 1.4%

Geographic Allocation (%)

Region Percent
North America 79.7%
Multi-National 10.8%
Europe 3.3%
Asia 1.9%
Latin America 0.5%
Africa and Middle East 0.2%
Other 3.6%

Top 10 Holdings (%)

As of October 31, 2025

Name Percent
Franklin Canadian Core Plus Bd Fd O 30.89%
Franklin Canadian Government Bond Fund O 15.16%
Franklin Global Core Bond Fund ETF Series (FLGA) 10.76%
Franklin Canadian Short Term Bd Fd O 7.21%
Franklin U.S. Core Equity Fund Series O 5.43%
Franklin Brandywine Global Inc Opt Fd O 4.79%
Franklin Brandywine U.S. High Yield Fund Ser O 3.19%
Franklin FTSE U.S. Index ETF (FLAM) 2.68%
Franklin Canadian Core Equity Fund Series O 2.57%
Franklin ClearBridge Canadian Equity Fund O 2.55%

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 $13,131

Calendar Return (%)

As of November 30, 2025

Period 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Fund 7.60 7.49 -12.04 1.73 7.18 7.32 -2.70 3.59 1.86 3.00

Compound Return (%)

As of November 30, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 0.27 3.57 5.94 5.46 6.48 2.16 2.74
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 2008

Estimated Management
Expense Ratio (MER)*:

1.73%

Fund Category

Global Fixed Income Balanced

Portfolio Manager

Franklin Templeton Investments Corp.

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Performance Chart

Period:
Diversified Income Portfolio

Summary

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

Total returns performance

31.31% Up

Value of $10,000 investment

$13,130.92  CAD