Fund Codes and Management Expense Ratios

Transcription

1 INVESTMENT FUNDS Fund Codes and Management Expense Ratios October 2018 IAG Savings and Retirement Plan (IAG SRP) and RESP (p. 1-4) Classic Series 75/75 Series 75/100 Ecoflex Series 100/100 FORLIFE Series My Education+ RESP My Education RESP Note: All of the series in this section are available for sale. Prestige Preferential Pricing (p. 5-6) Classic Series 75/75 and 75/100 My Education+ RESP Ecoflex and Ecoflextra (p. 7-10) Ecoflextra - Classic Series 75/75 Ecoflextra - Guaranteed Surrender Series IAG SRP Ecoflextra Series 75/100 Ecoflex Note: All of the series in this section are no longer available for new sales and have restrictions within existing contracts. For advisor use only

2 IAG SRP and RESP Fund codes October 2018 = Deferred Sales Charge (, Client s sales charge) = Charge Back over (, Agent s charge) 5 years = Charge Back over 5 years (, Agent s charge) = Front-End load NL = No load Classic Series 75/75 My Education+ RESP 5 years IAG SAVINGS AND RETIREMENT PLAN Series 75/100 Ecoflex Series 100/100 FORLIFE Series 5 years 5 years 5 years My Education (1) RESP FOCUS FUNDS Focus Prudent Focus Moderate Focus Balanced Focus Growth Focus Aggressive SELECTION FUNDS Selection Prudent Selection Moderate Selection Balanced Selection Growth Selection Aggressive INCOME FUNDS Money Market Short Term Bond Bond Canadian Corporate Bond Tactical Bond Global Fixed Income (PIMCO) Strategic Corporate Bond Fidelity American High Yield Currency Neutral Real Return Bond DIVERSIFIED FUNDS Diversified Security Diversified Diversified Opportunity Canadian Balanced (QV) SRI Balanced (Inhance) Diversified Income Strategic Income Tactical Income Global Diversified (Loomis Sayles) Global Diversified Fixed Income (Forstrong) Global Diversified (Forstong) Global Diversified Equity (Forstrong) Fidelity Global Monthly Income Global Asset Allocation Security (iaim) Global Asset Allocation (iaim) Global Asset Allocation Opportunity (iaim) CANADIAN HYBRID FUNDS (3) Strategic Equity Income Hybrid 75/ Dividend Growth Hybrid 75/ Canadian Conservative Equity Hybrid 75/ Canadian Equity Index Hybrid 75/ Select Canadian Hybrid 75/25 (2) (3) Canadian Equity Value Hybrid 75/ Canadian Equity (Taylor AM) Hybrid 75/ Fidelity True North Hybrid 75/ Canadian Equity Growth Hybrid 75/ Fidelity Canadian Opportunities Hybrid 75/ Canadian Equity Small Cap (QV) Hybrid 75/ SPECIALTY NL

3 GLOBAL HYBRID FUNDS (3) Global Dividend (Dynamic) Hybrid 75/ Global Equity Hybrid 75/ Global Equity (Templeton) Hybrid 75/ Global Opportunities (Radin) Hybrid 75/ Global True Conviction Hybrid 75/ Fidelity North Star Hybrid 75/ U.S. Equity (Sarbit) Currency Neutral Hybrid 75/ CANADIAN EQUITY FUNDS Strategic Equity Income Dividend Growth Canadian Conservative Equity Canadian Equity Index Select Canadian (2) (3) Canadian Equity Value Canadian Equity (Taylor AM) Fidelity True North Canadian Equity Growth Fidelity Canadian Opportunities Canadian Equity Small Cap (QV) U.S. & INTERNATIONAL EQUITY FUNDS Global Equity Index ACWI (BlackRock) Global Dividend (Dynamic) Global Equity Global Equity (Templeton) Global Opportunities (Radin) Global True Conviction Fidelity Global Concentrated Equity Fidelity NorthStar International Equity Index (BlackRock) International Equity International Equity (Templeton) Fidelity European Equity U.S. Equity Index (BlackRock) Thematic Innovation U.S. Equity U.S. Equity - Currency Neutral U.S. Dividend Growth U.S. Equity (Sarbit) - Currency Neutral SPECIALTY FUNDS Asian Pacific (Dynamic) (1) , , , 502 Emerging Markets (Mackenzie) (1) , , , 632 Global Health Care (Renaissance) Real Estate Income U.S. DAQ Index (1) , , , 862 INDEXIA FUNDS - Passive management Indexia Prudent Indexia Moderate Indexia Balanced Indexia Growth Indexia Aggressive FORLIFE SERIES FUNDS - Income Stage FORLIFE Guaranteed Maximum Income FORLIFE Guaranteed Income & Growth (1) Fund codes beginning with the number 1 are for My Education contracts issued since November 5, 2001 (Guarantee 5). (2) The Select Canadian Fund is not available in registered contracts and TFSAs. (3) All Classic Series 75/75 funds are offered in My Education+ contracts, with the exception of the Hybrid funds and the Select Canadian Fund. New This fund is no longer available for new deposits or interfund transfers in certain contracts or certain series. Existing PAC/PADs remain in effect (except PAC/PADs related to My Education contracts); however, PAC/PADs amounts may not be increased. Contracts or series affected by this limitation are outlined in red. 2

4 IAG SRP and RESP Management expense ratios and Guarantees October 2018 FEE* = Estimated Management Expense Ratio Guarantee* = Guarantee fee rate Asset Allocation (%) Income Equities Classic Series 75/75 My Education+ RESP IAG SAVINGS AND RETIREMENT PLAN Series 75/100 Ecoflex Series 100/100 FORLIFE Series My Education RESP FEE (%) FEE (%) FEE (%) GUARANTEE (%) FEE (%) GUARANTEE (%) FEE (%) GUARANTEE (%) FEE (%) FOCUS FUNDS Focus Prudent Focus Moderate Focus Balanced Focus Growth Focus Aggressive SELECTION FUNDS Selection Prudent Selection Moderate Selection Balanced Selection Growth Selection Aggressive INCOME FUNDS Money Market Short Term Bonds Bond Canadian Corporate Bond Tactical Bond Global Fixed Income (PIMCO) Strategic Corporate Bond Fidelity American High Yield Currency Neutral Real Return Bond DIVERSIFIED FUNDS Diversified Security Diversified Diversified Opportunity Canadian Balanced (QV) SRI Balanced (Inhance) Diversified Income Strategic Income Tactical Income Global Diversified (Loomis Sayles) Global Diversified Fixed Income (Forstrong) Global Diversified (Forstong) Global Diversified Equity (Forstrong) Fidelity Global Monthly Income Global Asset Allocation Security (iaim) Global Asset Allocation (iaim) Global Asset Allocation Opportunity (iaim) CANADIAN HYBRID FUNDS (3) Strategic Equity Income Hybrid 75/ Dividend Growth Hybrid 75/ Canadian Conservative Equity Hybrid 75/ Canadian Equity Index Hybrid 75/ Select Canadian Hybrid 75/25 (2) (3) Canadian Equity Value Hybrid 75/ Canadian Equity (Taylor AM) Hybrid 75/ Fidelity True North Hybrid 75/ Canadian Equity Growth Hybrid 75/ Fidelity Canadian Opportunities Hybrid 75/ Canadian Equity Small Cap (QV) Hybrid 75/ SPECIALTY

5 GLOBAL HYBRID FUNDS (3) Global Dividend (Dynamic) Hybrid 75/ Global Equity Hybrid 75/ Global Equity (Templeton) Hybrid 75/ Global Opportunities (Radin) Hybrid 75/ Global True Conviction Hybrid 75/ Fidelity North Star Hybrid 75/ U.S. Equity (Sarbit) - Currency Neutral Hybrid 75/ CANADIAN EQUITY FUNDS Strategic Equity Income Dividend Growth Canadian Conservative Equity Canadian Equity Index Select Canadian (2) (3) Canadian Equity Value Canadian Equity (Taylor AM) Fidelity True North Canadian Equity Growth Fidelity Canadian Opportunities Canadian Equity Small Cap (QV) U.S. & INTERNATIONAL EQUITY FUNDS Global Equity Index ACWI (BlackRock) Global Dividend (Dynamic) Global Equity Global Equity (Templeton) Global Opportunities (Radin) Global True Conviction Fidelity Global Concentrated Equity Fidelity NorthStar International Equity Index (BlackRock) International Equity International Equity (Templeton) Fidelity European Equity U.S. Equity Index (BlackRock) Thematic Innovation U.S. Equity U.S. Equity - Currency Neutral U.S. Dividend Growth U.S. Equity (Sarbit) - Currency Neutral SPECIALTY FUNDS Asian Pacific (Dynamic) (1) Emerging Markets (Mackenzie) (1) Global Health Care (Renaissance) Real Estate Income U.S. DAQ Index (1) INDEXIA FUNDS - Passive management Indexia Prudent Indexia Moderate Indexia Balanced Indexia Growth Indexia Aggressive FORLIFE SERIES FUNDS - Income Stage FORLIFE Guaranteed Maximum Income FORLIFE Guaranteed Income & Growth * Fees indicated are those withdrawn as at October 29, 2018, and are subject to change at any time. To see management expense ratios and fund fee rates as at December 31, refer to the Fund Facts (IAG SRP: F14-10A, My Education+: F14-12A, My Education: F14-5A). (1) Those funds are offered in My Education contracts issued since November 5, 2001 (Guarantee 5). (2) The Select Canadian Fund is not available in registered contracts and TFSAs. (3) All Classic Series 75/75 funds are offered in My Education+ contracts, with the exception of the Hybrid funds and the Select Canadian Fund. New This fund is no longer available for new deposits or interfund transfers in certain contracts or certain series. Existing PAC/PADs remain in effect (except PAC/PADs related to My Education contracts); however, PAC/PADs amounts may not be increased. Contracts or series affected by this limitation are outlined in red. 4

6 Prestige Preferential Pricing Fund codes, Management expense ratios and Guarantees October 2018 MER* = Estimated Management Expense Ratio Guarantee* = Guarantee fee rate = Deferred Sales Charge (, Client s sales charge) = Charge Back over (, Agent s charge) 5 years = Charge Back over 5 years (, Agent s charge) = Front-End load Asset Allocation (%) CLASSIC SERIES 75/75 PRESTIGE (1) (IAG SRP AND MY EDUCATION+) Income Equities 5 years Reduction (%) Reduced MER 75/75 Prestige (%) SERIES 75/100 PRESTIGE (IAG SRP ONLY) 5 years FOCUS FUNDS Focus Prudent Focus Moderate Focus Balanced Focus Growth Focus Aggressive SELECTION FUNDS Selection Prudent Selection Moderate Selection Balanced Selection Growth Selection Aggressive INCOME FUNDS Money Market Short Term Bond Bond Canadian Corporate Bond Tactical Bond Global Fixed Income (PIMCO) Strategic Corporate Bond Fidelity American High Yield Currency Neutral Real Return Bond DIVERSIFIED FUNDS Diversified Security Diversified Diversified Opportunity Canadian Balanced (QV) SRI Balanced (Inhance) Diversified Income Strategic Income Tactical Income Global Diversified (Loomis Sayles) Global Diversified Fixed Income (Forstrong) Global Diversified (Forstong) Global Diversified Equity (Forstrong) Fidelity Global Monthly Income Global Asset Allocation Security (iaim) Global Asset Allocation (iaim) Global Asset Allocation Opportunity (iaim) CANADIAN HYBRID FUNDS (1) Strategic Equity Income Hybrid 75/ Dividend Growth Hybrid 75/ Canadian Conservative Equity Hybrid 75/ Canadian Equity Index Hybrid 75/ Select Canadian Hybrid 75/25 (1) (2) Canadian Equity Value Hybrid 75/ Canadian Equity (Taylor AM) Hybrid 75/ Fidelity True North Hybrid 75/ Canadian Equity Growth Hybrid 75/ Fidelity Canadian Opportunities Hybrid 75/ Canadian Equity Small Cap (QV) Hybrid 75/ SPECIALTY Reduction (%) Reduced MER 75/100 Prestige (%) GUARANTEE (%)

7 GLOBAL HYBRID FUNDS (1) Global Dividend (Dynamic) Hybrid 75/ Global Equity Hybrid 75/ Global Equity (Templeton) Hybrid 75/ Global Opportunities (Radin) Hybrid 75/ Global True Conviction Hybrid 75/ Fidelity North Star Hybrid 75/ U.S. Equity (Sarbit) - Currency Neutral Hybrid 75/ CANADIAN EQUITY FUNDS Strategic Equity Income Dividend Growth Canadian Conservative Equity Canadian Equity Index Select Canadian (1) (2) Canadian Equity Value Canadian Equity (Taylor AM) Fidelity True North Canadian Equity Growth Fidelity Canadian Opportunities Canadian Equity Small Cap (QV) U.S. & INTERNATIONAL EQUITY FUNDS Global Equity Index ACWI (BlackRock) Global Dividend (Dynamic) Global Equity Global Equity (Templeton) Global Opportunities (Radin) Global True Conviction Fidelity Global Concentrated Equity Fidelity NorthStar International Equity Index (BlackRock) International Equity International Equity (Templeton) Fidelity European Equity U.S. Equity Index (BlackRock) Thematic Innovation U.S. Equity U.S. Equity - Currency Neutral U.S. Dividend Growth U.S. Equity (Sarbit) - Currency Neutral SPECIALTY FUNDS Asian Pacific (Dynamic) Emerging Markets (Mackenzie) Global Health Care (Renaissance) Real Estate Income U.S. DAQ Index INDEXIA FUNDS - Passive management Indexia Prudent Indexia Moderate Indexia Balanced Indexia Growth Indexia Aggressive * Fees indicated are those withdrawn as at October 29, 2018, and are subject to change at any time. To see management expense ratios and fund fee rates as at December 31, refer to the Fund Facts (IAG SRP: F14-10A, My Education+: F14-12A). (1) All Classic Series 75/75 funds are offered in My Education+ contracts, with the exception of the Hybrid funds and the Select Canadian Fund. (2) The Select Canadian Fund is not available in registered contracts and TFSAs. New This fund is no longer available for new deposits or interfund transfers. Existing PAC/PADs remain in effect; however, PAC/PADs amounts may not be increased. 6

8 Ecoflex and Ecoflextra Fund codes October 2018 = Deferred Sales Charge (, Client s sales charge) = Charge Back over (, Agent s charge) 5 years = Charge Back over 5 years (, Agent s charge) = Front-End load NL = No load ECOFLEXTRA IAG SRP Classic Series 75/75 (1) Guaranteed Surrender Series! Ecoflextra Series 75/100! 5 years (1) (4) ECOFLEX FOCUS FUNDS Focus Prudent Focus Moderate Focus Balanced Focus Growth Focus Aggressive SELECTION FUNDS Selection Prudent Selection Moderate Selection Balanced Selection Growth Selection Aggressive INCOME FUNDS Money Market (3) Short Term Bond Bond (3) Canadian Corporate Bond Tactical Bond Strategic Corporate Bond Fidelity American High Yield Currency Neutral Real Return Bond DIVERSIFIED FUNDS Diversified Security Diversified (3) Diversified Opportunity Canadian Balanced (QV) SRI Balanced (Inhance) Diversified Income Strategic Income Tactical Income Global Diversified (Loomis Sayles) Strategic U.S. Growth & Income Global Diversified Fixed Income (Forstrong) Global Diversified (Forstong) Global Diversified Equity (Forstrong) Fidelity Global Monthly Income Global Asset Allocation Security (iaim) Global Asset Allocation (iaim) Global Asset Allocation Opportunity (iaim) CANADIAN HYBRID FUNDS Strategic Equity Income Hybrid 75/ Dividend Growth Hybrid 75/ Canadian Conservative Equity Hybrid 75/ Canadian Equity Index Hybrid 75/ Select Canadian Hybrid 75/25 (2) Canadian Equity Value Hybrid 75/ Canadian Equity (Taylor AM) Hybrid 75/ Fidelity True North Hybrid 75/ Canadian Equity Growth Hybrid 75/ Canadian Equity Small Cap (QV) Hybrid 75/ SPECIALTY NL 7

9 GLOBAL HYBRID FUNDS Global Equity Hybrid 75/ Global Equity (Templeton) Hybrid 75/ Global Opportunities (Radin) Hybrid 75/ Global True Conviction Hybrid 75/ Fidelity North Star Hybrid 75/ U.S. Equity (Sarbit) Currency Neutral Hybrid 75/ CANADIAN EQUITY FUNDS Strategic Equity Income Dividend Growth Canadian Conservative Equity Canadian Equity Index Select Canadian (2) Canadian Equity Value (3) Canadian Equity (Taylor AM) Fidelity True North Canadian Equity Growth Fidelity Canadian Opportunities Canadian Equity Small Cap (QV) U.S. & INTERNATIONAL EQUITY FUNDS Global Equity Index ACWI (BlackRock) Global Dividend (Dynamic) Global Equity (QV) Global Equity Global Equity (Templeton) Global Opportunities (Radin) Fidelity Global Concentrated Equity Fidelity NorthStar International Equity Index (BlackRock) International Equity International Equity (Templeton) (3) Fidelity European Equity U.S. Equity Index (BlackRock) Thematic Innovation U.S. Equity U.S. Equity - Currency Neutral U.S. Dividend Growth (3) U.S. Equity (Sarbit) - Currency Neutral SPECIALTY FUNDS Asian Pacific (Dynamic) (4) , , , 502 Emerging Markets (Mackenzie) (3) (4) , , , 632 Global Health Care (Renaissance) Real Estate Income U.S. DAQ Index (4) , , , 862 INDEXIA FUNDS - Passive management Indexia Prudent Indexia Moderate Indexia Balanced Indexia Growth Indexia Aggressive DISTINCTION FUNDS Distinction Prudent Distinction Conservative Distinction Balanced Distinction Growth Distinction Bold (1) Ecoflex contracts and Classic Series 75/75 in the Ecoflextra contract are not available for new sales, but are available for new investments (deposit) in existing contracts. (2) The Select Canadian Fund is not available in registered contracts and TFSAs. (3) Ecoflex contracts issued prior to January 1997 and which are still under Guarantee 1 only have access to funds with the note (3). (4) Fund codes beginning with the number 1 are for Ecoflex contracts issued between November 5, 2001 and December 31, New This fund is no longer available for new deposits or interfund transfers in certain contracts or certain series. Existing PAC/PADs remain in effect; however, PAC/PADs amounts may not be increased. Contracts or series affected by this limitation are outlined in red.! The IAG SRP Ecoflextra Series and Guaranteed Surrender Series are not available for new sales or new investments (deposit) in existing contracts. In addition, for contracts issued between April 1 and August 17, 2012, interfund transfers between the Ecoflextra Series are only permitted between the following funds: Money Market, Short Term Bond, Bond, Tactical Bond, Diversified Security. 8

10 Ecoflex and Ecoflextra Management expense ratios and Guarantees October 2018 Asset Allocation (%) ECOFLEXTRA IAG SRP FEE* = Estimated Management Expense Ratio Guarantee* = Guarantee fee rate Income Equities Classic Series 75/75 (1) Guaranteed Surrender Series! before after Ecoflextra Series 75/100! ECOFLEX (1) FEE (%) FEE (%) GUARANTEE (%) FEE (%) GUARANTEE (%) FEE (%) GUARANTEE (%) FEE (%) FOCUS FUNDS Focus Prudent Focus Moderate Focus Balanced Focus Growth Focus Aggressive SELECTION FUNDS Selection Prudent Selection Moderate Selection Balanced Selection Growth Selection Aggressive INCOME FUNDS Money Market (3) Short Term Bond Bond (3) Canadian Corporate Bond Tactical Bond Strategic Corporate Bond Fidelity American High Yield Currency Neutral Real Return Bond DIVERSIFIED FUNDS Diversified Security Diversified (3) Diversified Opportunity Canadian Balanced (QV) SRI Balanced (Inhance) Diversified Income Strategic Income Tactical Income Global Diversified (Loomis Sayles) Strategic U.S. Growth & Income Global Diversified Fixed Income (Forstrong) Global Diversified (Forstong) Global Diversified Equity (Forstrong) Fidelity Global Monthly Income Global Asset Allocation Security (iaim) Global Asset Allocation (iaim) Global Asset Allocation Opportunity (iaim) CANADIAN HYBRID FUNDS Strategic Equity Income Hybrid 75/ Dividend Growth Hybrid 75/ Canadian Conservative Equity Hybrid 75/ Canadian Equity Index Hybrid 75/ Select Canadian Hybrid 75/25 (2) Canadian Equity Value Hybrid 75/ Canadian Equity (Taylor AM) Hybrid 75/ Fidelity True North Hybrid 75/ Canadian Equity Growth Hybrid 75/ Canadian Equity Small Cap (QV) Hybrid 75/ SPECIALTY 9

11 GLOBAL HYBRID FUNDS Global Equity Hybrid 75/ Global Equity (Templeton) Hybrid 75/ Global Opportunities (Radin) Hybrid 75/ Global True Conviction Hybrid 75/ Fidelity North Star Hybrid 75/ U.S. Equity (Sarbit) - Currency Neutral Hybrid 75/ CANADIAN EQUITY FUNDS Strategic Equity Income Dividend Growth Canadian Conservative Equity Canadian Equity Index Select Canadian (2) Canadian Equity Value (3) Canadian Equity (Taylor AM) Fidelity True North Canadian Equity Growth Fidelity Canadian Opportunities Canadian Equity Small Cap (QV) U.S. & INTERNATIONAL EQUITY FUNDS Global Equity Index ACWI (BlackRock) Global Dividend (Dynamic) Global Equity (QV) Global Equity Global Equity (Templeton) Global Opportunities (Radin) Fidelity Global Concentrated Equity Fidelity NorthStar International Equity Index (BlackRock) International Equity International Equity (Templeton) (3) Fidelity European Equity U.S. Equity Index (BlackRock) Thematic Innovation U.S. Equity U.S. Equity - Currency Neutral U.S. Dividend Growth (3) U.S. Equity (Sarbit) - Currency Neutral SPECIALTY FUNDS Asian Pacific (Dynamic) Emerging Markets (Mackenzie) (3) Global Health Care (Renaissance) Real Estate Income U.S. DAQ Index INDEXIA FUNDS - Passive management Indexia Prudent Indexia Moderate Indexia Balanced Indexia Growth Indexia Aggressive DISTINCTION FUNDS Distinction Prudent Distinction Conservative Distinction Balanced Distinction Growth Distinction Bold * Fees indicated are those withdrawn as at October 29, 2018, and are subject to change at any time. To see management expense ratios and fund fee rates as at December 31, refer to the Fund Facts (Ecoflextra: F14-1A, Ecoflex: F14-3A). (1) Ecoflex contracts and Classic Series 75/75 in the Ecoflextra contract are not available for new sales, but are available for new investments (deposit) in existing contracts. (2) The Select Canadian Fund is not available in registered contracts and TFSAs. (3) Ecoflex contracts issued prior to January 1997 and which are still under Guarantee 1 only have access to funds with the note (3). New This fund is no longer available for new deposits or interfund transfers in certain contracts or certain series. Existing PAC/PADs remain in effect; however, PAC/PADs amounts may not be increased. Contracts or series affected by this limitation are outlined in red.! The IAG SRP Ecoflextra Series and Guaranteed Surrender Series are not available for new sales or new investments (deposit) in existing contracts. In addition, for contracts issued between April 1 and August 17, 2012, interfund transfers between the Ecoflextra Series are only permitted between the following funds: Money Market, Short Term Bond, Bond, Tactical Bond, Diversified Security. 10

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