Universal Life Product Overview & Performance

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Growth

Currently tracking Franklin Quotential Growth Portfolio

February 28, 2026

Fund Overview

Long-term capital appreciation by investing primarily in a diversified mix of equity mutual funds, with additional stability derived from investing in fixed income mutual funds.

Risk Rating

This fund's risk rating is Low to Medium

As of February 28, 2026

Asset Allocation (%)

Asset Percent
US Equity 38.1%
Canadian Equity 22.9%
International Equity 20.5%
Canadian Government Bonds 5.6%
Canadian Corporate Bonds 5.2%
Foreign Bonds - Other 2.7%
Cash and Equivalents 2.4%
Foreign Corporate Bonds 1.8%
Foreign Government Bonds 0.6%
Mortgages 0.2%

Sector Allocation (%)

Sector Percent
Exchange Traded Fund 29.1%
Fixed Income 16.1%
Technology 15.2%
Mutual Fund 14.8%
Financial Services 7.4%
Healthcare 3.6%
Consumer Services 3.4%
Basic Materials 2.8%
Industrial Goods 2.7%
Other 4.9%

Geographic Allocation (%)

Region Percent
North America 74.8%
Asia 7.6%
Europe 7.4%
Multi-National 2.7%
Latin America 0.9%
Africa and Middle East 0.2%
Other 6.4%

Top 10 Holdings (%)

As of February 28, 2026

Name Percent
Franklin U.S. Core Equity Fund Series O 16.26%
Franklin Canadian Core Equity Fund Series O 8.29%
Franklin FTSE U.S. Index ETF (FLAM) 7.86%
Franklin Canadian Core Plus Bd Fd O 7.44%
Franklin ClearBridge Canadian Equity Fund O 7.43%
Franklin International Core Equity Fund Series O 6.43%
Franklin Putnam U.S. Large Cap Value Fund Series O 5.87%
Franklin FTSE Canada All Cap Index ETF (FLCD) 5.55%
Templeton Emerging Markets Fund Series O 4.83%
Franklin U.S. Opportunities Fund Series O 4.29%

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 $20,585

Calendar Return (%)

As of February 28, 2026

Period 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Fund 13.27 18.28 11.73 -11.46 13.81 8.45 13.84 -6.84 7.49 2.06

Compound Return (%)

As of February 28, 2026

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 2.80 3.80 10.46 14.95 14.71 9.33 7.87
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)*:

2.04%

Fund Category

Global Equity Balanced

Portfolio Manager

Franklin Templeton Investments Corp.

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Performance Chart

Period:
Growth

Summary

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

Total returns performance

105.85% Up

Value of $10,000 investment

$20,585.06  CAD