Universal Life Product Overview & Performance

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Growth

Currently tracking Franklin Quotential Growth Portfolio

June 30, 2025

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 May 31, 2025

Asset Allocation (%)

Asset Percent
US Equity 38.2%
Canadian Equity 22.6%
International Equity 19.4%
Canadian Government Bonds 5.6%
Canadian Corporate Bonds 3.9%
Cash and Equivalents 3.5%
Foreign Bonds - Other 2.9%
Canadian Bonds - Funds 1.7%
Foreign Corporate Bonds 1.6%
Foreign Government Bonds 0.6%

Sector Allocation (%)

Sector Percent
Fixed Income 30.7%
Technology 16.4%
Financial Services 11.4%
Mutual Fund 10.3%
Consumer Services 5.8%
Healthcare 5.1%
Consumer Goods 3.9%
Industrial Goods 3.6%
Cash and Cash Equivalent 3.6%
Other 9.2%

Geographic Allocation (%)

Region Percent
North America 76.8%
Europe 7.1%
Multi-National 3.4%
Asia 3.1%
Latin America 0.8%
Africa and Middle East 0.3%
Other 8.5%

Top 10 Holdings (%)

As of May 31, 2025

Name Percent
Franklin U.S. Core Equity Fund Series O 13.38%
Franklin ClearBridge Canadian Equity Fund O 8.38%
Franklin Canadian Core Plus Bd Fd O 8.03%
Franklin FTSE U.S. Index ETF (FLAM) 7.63%
Franklin Canadian Core Equity Fund Series O 7.27%
Franklin International Core Equity Fund Series O 7.12%
Franklin FTSE Canada All Cap Index ETF (FLCD) 5.63%
SPDR Portfolio S&P 500 Value ETF (SPYV) 5.53%
Franklin U.S. Opportunities Fund Series O 4.60%
Franklin U.S. Rising Dividends Fund Series O 4.21%

Growth of $10,000

As of June 30, 2025

Period:

For the period 06/30/2015 through 06/30/2025 with $10,000 CAD investment, The value of the investment would be $16,838

Calendar Return (%)

As of June 30, 2025

Period 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Fund 18.28 11.73 -11.46 13.81 8.45 13.84 -6.84 7.49 2.06 6.59

Compound Return (%)

As of June 30, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 2.68 3.96 3.47 12.23 12.74 8.78 5.54
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 06/30/2015 through 06/30/2025 with $10,000 CAD investment

Total returns performance

68.38% Up

Value of $10,000 investment

$16,838.01  CAD