Universal Life Product Overview & Performance

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Canadian

Currently tracking Equitable Life Active Balanced Portfolio Select
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September 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 September 30, 2025

Asset Allocation (%)

Asset Percent
US Equity 29.4%
Canadian Government Bonds 22.8%
Canadian Corporate Bonds 17.0%
Canadian Equity 15.5%
International Equity 13.0%
Cash and Equivalents 1.1%
Commodities 0.5%
Income Trust Units 0.5%
Canadian Bonds - Other 0.2%

Sector Allocation (%)

Sector Percent
Fixed Income 45.6%
Technology 17.6%
Financial Services 13.5%
Consumer Services 4.7%
Consumer Goods 4.0%
Healthcare 3.4%
Basic Materials 3.1%
Industrial Goods 3.0%
Energy 2.9%
Industrial Services 2.2%

Geographic Allocation (%)

Region Percent
North America 86.2%
Europe 8.8%
Asia 4.1%
Latin America 0.3%
Africa and Middle East 0.1%
Other 0.5%

Top 10 Holdings (%)

As of September 30, 2025

Name Percent
Equitable Life Active Canadian Bond Fund 40.05%
BMO S&P 500 Index ETF (ZSP) 19.16%
BMO MSCI EAFE Hedged to CAD Index ETF (ZDM) 12.13%
Invesco QQQ ETF (QQQ) 11.43%
BMO S&P/TSX Capped Composite Index ETF (ZCN) 8.98%
Global X Equal Weight Canadian Bks Ind ETF (HBNK) 4.08%
TD Q Canadian Dividend ETF (TQCD) 2.66%
Cash and Cash Equivalents 1.00%
CI Gold Bullion Fund ETF C$ Hedged Series (VALT) 0.52%

Growth of $10,000

As of September 30, 2025

Period:

For the period 09/30/2015 through 09/30/2025 with $10,000 CAD investment, The value of the investment would be $15,124

Calendar Return (%)

As of September 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 September 30, 2025

Period 1 mth 3 mths 6 mths 1 yr 3 yr 5 yr 10 yr
Fund 3.32 5.49 7.60 9.75 10.53 5.73 4.42

Fees

Product Current annual LIO admin fee Maximum annual LIO admin fee
Equation Generation IV (Low Fee) 0.75 % 0.75 %
Equation Generation IV (Bonus) 1.75 % 1.75 %
EquiLife 0.75 % 0.75 %
Equation Generation III 2.75 % 2.75 %
Equation Generation II 2.75 % 2.75 %

Other Fund Information

Product Availabilty

Equation Generation IV
EquiLife
Equation Generation III
Equation Generation II

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: Mid

Credit Rating: Med

Performance Chart

Period:
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Canadian

Summary

For the period 09/30/2015 through 09/30/2025 with $10,000 CAD investment

Total returns performance

51.24% Up

Value of $10,000 investment

$15,124.35  CAD