Universal Life Product Overview & Performance

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Diversified Income

Currently tracking Franklin Quotential Diversified Income Portfolio

January 31, 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 January 31, 2025

Asset Allocation (%)

Asset Percent
Cash and Equivalents 22.7%
Canadian Government Bonds 17.9%
US Equity 13.0%
Canadian Corporate Bonds 10.9%
Foreign Bonds - Other 10.5%
Canadian Equity 7.4%
Canadian Bonds - Funds 6.3%
International Equity 5.3%
Foreign Corporate Bonds 3.3%
Other 2.7%

Sector Allocation (%)

Sector Percent
Fixed Income 55.1%
Cash and Cash Equivalent 20.7%
Technology 6.0%
Mutual Fund 5.8%
Financial Services 3.9%
Consumer Services 2.0%
Healthcare 1.8%
Energy 1.3%
Consumer Goods 1.3%
Other 2.1%

Geographic Allocation (%)

Region Percent
North America 80.3%
Multi-National 13.1%
Europe 2.1%
Asia 1.4%
Latin America 0.3%
Africa and Middle East 0.1%
Other 2.7%

Top 10 Holdings (%)

As of January 31, 2025

Name Percent
Franklin Canadian Core Plus Bd Fd O 29.02%
Franklin Canadian Government Bond Fund O 15.15%
Franklin Global Core Bond Fund ETF Series (FLGA) 10.42%
FRANKLIN CANADIAN SHORT TERM BOND FUND OEMF CAD CLASS O TIS A/C #4875 6.30%
USD_CAD_20250407 4.90%
Franklin Brandywine Global Sust Inc Opt Fd O 4.39%
Franklin U.S. Core Equity Fund Series O 4.34%
Franklin FTSE U.S. Index ETF (FLAM) 2.95%
FRANKLIN BRANDYWINE U.S. HIGH YIELD FUND SERIES O OEMF CAD NPV SERIES O TIS A/C 2.72%
Franklin ClearBridge Canadian Equity Fund O 2.68%

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 $12,801

Calendar Return (%)

As of January 31, 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 January 31, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 1.69 2.95 4.31 9.74 2.15 2.03 2.03
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:

June 2008

Estimated Management
Expense Ratio (MER)*:

1.73%

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:
Diversified Income

Summary

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

Total returns performance

28.01%

Value of $10,000 investment

$12,801.01  CAD