Universal Life Product Overview & Performance

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Canadian Balanced Portfolio

Currently tracking Equitable Balanced

November 30, 2025

Fund Overview

The objective of the fund seeks long-term capital appreciation and income by investing in a diversified portfolio comprised primarily of fixed income, equity and real estate related investments. The portfolio, at times, may assume limited exposures to commodity related investments or other alternative asset classes.

Risk Rating

This fund's risk rating is Low to Medium

As of November 30, 2025

Asset Allocation (%)

Asset Percent
US Equity 29.2%
Canadian Government Bonds 23.7%
Canadian Corporate Bonds 16.7%
Canadian Equity 15.8%
International Equity 13.4%
Commodities 1.1%
Income Trust Units 0.5%
Cash and Equivalents -0.4%

Sector Allocation (%)

Sector Percent
Fixed Income 44.9%
Technology 17.4%
Financial Services 12.9%
Basic Materials 5.3%
Consumer Services 4.4%
Consumer Goods 4.0%
Healthcare 3.6%
Industrial Goods 2.8%
Energy 2.7%
Industrial Services 2.0%

Geographic Allocation (%)

Region Percent
North America 85.2%
Europe 8.9%
Asia 4.2%
Africa and Middle East 0.3%
Latin America 0.3%
Other 1.1%

Top 10 Holdings (%)

As of November 30, 2025

Name Percent
Equitable Bond Fund 40.57%
BMO S&P 500 Index ETF (ZSP) 17.88%
BMO MSCI EAFE Hedged to CAD Index ETF (ZDM) 12.35%
Invesco QQQ ETF (QQQ) 11.81%
BMO S&P/TSX Capped Composite Index ETF (ZCN) 7.04%
Global X Equal Weight Canadian Bks Ind ETF (HBNK) 4.25%
TD Q Canadian Dividend ETF (TQCD) 3.16%
iShares S&P/TSX Global Gold Index ETF (XGD) 2.44%
CI Gold Bullion Fund ETF C$ Hedged Series (VALT) 1.05%
Cash and Cash Equivalents -0.55%

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 $15,459

Calendar Return (%)

As of November 30, 2025

Period 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Fund 11.28 8.54 -11.51 9.29 2.69 12.48 -4.97 5.68 3.40 -0.71

Compound Return (%)

As of November 30, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 0.73 5.93 9.91 9.21 9.14 5.57 4.42
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:

September 2013

Estimated Management
Expense Ratio (MER)*:

2.50%

Fund Category

Global Neutral Balanced

Portfolio Manager

The Equitable Life Insurance Company of Canada

Investment Style

Equity

Market Capitalization: Large

Fund Style: Growth

Fixed Income

Duration: Long

Credit Rating: Med

Performance Chart

Period:
Canadian Balanced Portfolio

Summary

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

Total returns performance

54.59% Up

Value of $10,000 investment

$15,458.54  CAD