Universal life investments

Linked Interest Option

Legacy products

 

Fund information

Fund Name 6m 1y 3y 5y 10y Current Unit Value Previous Unit Value
Asset Allocation 1.85 % 2.85 % 3.57 % 6.87 % 2.69 % $27.340 $27.338
Active Canadian Bond -0.60 % -4.40 % 0.64 % 0.72 % 2.50 % $21.904 $21.868
Canadian Stock 1.27 % 6.25 % 3.34 % 9.29 % 1.95 % $35.500 $35.545
Money Market         0.30 % $13.931 $13.931

Net Returns as of Monday, July 31, 2017

Prices Effective Wednesday, August 16, 2017

 

* This information is applicable to D2000+ and Equation universal life policies.

Fund performance: Returns under 1 year are simple rates of return. All others are annual compound rates of return. All returns are net returns, i.e. they reflect changes in unit values, reinvested distributions, management fees and, where applicable, administration fees. Past performance does not guarantee future results.

Unit prices: Unit values are not guaranteed, and fluctuate with the market value of the fund assets.

 

Guaranteed deposit accounts (GDA) & Daily interest account (DIA)

Equation Generation IV, With Bonus (Post May 3, 2013) 1y 2y 3y 4y 5y 10y
GDA** 0.000 % N/A N/A N/A 0.700 % 1.500 %
DIA** : 0.000 %

 

Equilife & Equation Generation IV, Low Fees (Post May 3, 2013) 1y 2y 3y 4y 5y 10y
GDA** 0.000 % N/A N/A N/A 1.200 % 2.000 %
DIA** : 0.000 %

 

Equation Generation IV, With Bonus (Pre May 4, 2013) 1y 2y 3y 4y 5y 10y
GDA** 0.000 % N/A N/A N/A 1.250 % 2.250 %
DIA** : 0.000 %

 

EquiLife & Equation Generation IV Low Fees (Pre May 4, 2013) 1y 2y 3y 4y 5y 10y
GDA** 0.000 % N/A N/A N/A 1.750 % 2.750 %
DIA** : 0.000 %

 

Equation Generation III 1y 2y 3y 4y 5y 10y
GDA** 0.000 % N/A N/A N/A 2.250 % 2.250 %
DIA** : 0.000 %

 

Equation Generation II & Equation ® (Post July 14, 1997) 1y 2y 3y 4y 5y 10y
GDA** 0.000 % N/A N/A N/A 1.750 % 1.750 %
DIA** : 0.000 %

 

Equation 1y 2y 3y 4y 5y 10y
GDA** 0.000 % N/A N/A N/A 4.000 % 4.000 %
DIA** : 0.000 %

 

All above rates exclude any applicable bonuses

 

D2000+ 1y 2y 3y 4y 5y 10y
GDA** 0.000 % 0.500 % 3.000 % 3.000 % 3.000 % N/A
DIA** : 0.000 %

 

The rate for monthly payment of interest = Annual payment rate less .25% Band 1: $500-$24,999; Band 2: $25,000-$49,999; Band 3: $50,000+

 

Direction 2000 12-23m 24-35m 36-47m 46-59m 60m 120m
Band 1 4.000 % 4.000 % 4.000 % 4.000 % 4.000 % 4.000 %
Band 2 4.000 % 4.000 % 4.000 % 4.000 % 4.000 % 4.000 %
Band 3 4.000 % 4.000 % 4.000 % 4.000 % 4.000 % 4.000 %

 

The rate for monthly payment of interest = Annual payment rate less .25% Band 1: $500-$24,999; Band 2: $25,000-$49,999; Band 3: $50,000+

*Effective with payments received at Head Office on or after effective date. Rates apply to the first $250,000: for amounts over this limit, contact our Head Office.

**Compound Interest only

Equation Generation IV and EquiLife Limited Pay Universal Life Loan Interest Rate: 7.0% (Rate Effective June 30, 2016).

Other Universal Life Loan Interest Rate 3.950 % (Rate Effective Friday, July 14, 2017)