Client Guide. managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada

Transcription

1 Cliet Guide maaged by CI Ivestmets Ic. issued by Su Life Assurace Compay of Caada

2 SuWise Elite offers a comprehesive lieup of ivestmet choices SuWise Elite is a multi-asset, multi-maager, multi-style lieup of segregated fuds that gives you the flexibility to tailor a portfolio to meet your idividual eeds. You ca choose from a select group of more tha 50 fuds that are diversified by asset class, geographic regios ad ecoomic sectors, ad differet styles of portfolio maagemet. It offers some of the most prestigious maagers from Caada s top mutual fud compaies ad covers a wide choice of fuds, icludig ad global icome, ad global balaced,, U.S., ad global equities, ad. Leadig portfolio maagers: SuWise Elite gives you access to, a family of seve strategic ad tactical asset allocatio fuds that provide diversified, multi-style portfolios to meet a rage of distict ivestor profiles from icome to maximum growth.

3 SuWise Elite Segregated Fuds Protect Your Ivestmet SuWise Elite Segregated Fuds combie the growth potetial of ivestmet fuds with the protective features of a isurace cotract ad are backed by Su Life Fiacial, a leadig iteratioal fiacial services orgaizatio. With SuWise Elite, Su Life Fiacial offers a series of guaratees that ca preserve your assets for you ad your loved oes. You ca: customize the level of pricipal protectio with a choice of two levels of guaratees. isure your retiremet icome with SuWise Elite Plus, the Guarateed Miimum Withdrawal Beefit (GMWB) optio. Optio Pricipal Guaratee For ivestors with the GMWB, who... For ivestors without the GMWB, who... Combied Guaratee (Class B uits) 75% at deposit maturity (after 10 years) 100% at death Wat to receive guarateed icome while esurig maximum estate value for their beeficiaries, with miimum estate settlemet costs. Wat to esure maximum estate value for their beeficiaries, with miimum estate settlemet costs ad delays. Basic Guaratee (Class C uits) 75% at deposit maturity (after 10 years) 75% at death Wat to receive guarateed icome ad are ot plaig to outlive their savigs. Are professioals ad self-employed busiess owers lookig for potetial creditor protectio, or others lookig for a cost-effective way to preserve their estate.

4 A Portfolio for Every Ivestor SuWise Elite SuWise Elite gives you access to, a comprehesive ivestmet program. is a family of seve strategic asset allocatio fuds desiged to maximize returs for a give risk tolerace. The seve fuds are suitable for a rage of distict ivestor profiles, from icome to maximum growth. The portfolios achieve their objectives by ivestig i a mix of CI mutual fuds ad providig diversificatio by asset class, regio ad ecoomic sectors. It provides you with the coveiece of oe fud to purchase ad track plus the beefits of a fully diversified maaged solutio, with these leadig portfolio maagers: Altrisic Global Advisors, Epoch Ivestmet Parters, Harbour Advisors, Sigature Global Advisors, Syergy Asset Maagemet, Tetrem Capital Parters ad Trilogy Global Advisors. is moitored by CI Ivestmet Cosultig, a i-house team of ivestmet professioals resposible for: Seve risk-adjusted portfolios to choose from optimizatio of the portfolios selectio ad moitorig of all fud maagers, ad overall program maiteace. Retur Equities 5% Icome 70% U.S. Equities 5% Icome Fud Equities 20% This portfolio is best suited for ivestors whose primary eed is icome ad capital preservatio. The focus is o icome with a diversified basket of bod ad icome fuds complemeted by icome-orieted equity ad balaced fuds. The fud expects to make a fixed distributio each moth. Equities 9% Icome 55% U.S. Equities 16% Coservative Fud Equities 20% Best suited for ivestors lookig for capital preservatio ad icome with some growth from the maily large-cap equity portio of the portfolio. The icome compoet is diversified betwee bod ad other icome fuds. Equities 13% U.S. Equities 20% Icome 45% Equities 22% Coservative Balaced Fud Split betwee equities ad icome ad with broad diversificatio across asset classes, geographic regios, ecoomic sectors ad ivestmet styles, this portfolio is best suited for ivestors whose primary objective is capital preservatio with some growth. Equities 15% Icome 35% U.S. Equities 24% Balaced Fud Equities 18% Equities 26% This portfolio has a greater equity weightig while curbig volatility with a strog compoet of icome ivestmets. It is best suited for ivestors pursuig log-term capital growth who are coscious of volatility. Icome 25% U.S. Equities 26% Equities 31% Balaced Growth Fud This portfolio has a sigificat equity weightig while the icome compoet helps to dampe volatility. It is best suited for ivestors pursuig log-term capital growth who are coscious of volatility. Equities 21% Icome 20% U.S. Equities 28% Growth Fud Equities 31% Offerig well-diversified exposure to, America ad iteratioal equities, this portfolio is for log-term ivestors who are seekig strog capital growth ad are comfortable with some shortterm volatility. Equities 25% Volatility U.S. Equities 35% Equities 40% Maximum Growth Fud Best suited for aggressive ivestors, this portfolio is costructed to provide maximum expected returs i the log term alog with higher volatility i the short term. It has sigificat exposure to America ad iteratioal equities. SuWise Elite requires a 30% miimum ivestmet i fixed icome

5 For more iformatio about the iovative features ad beefits of SuWise Elite Plus, please visit To the extet of ay icosistecies betwee this guide ad the May 2009 SuWise Elite Iformatio Folder ad Idividual Variable Auity Cotract ad ay applicable Supplemets, the terms of the Iformatio Folder ad Cotract ad Supplemets prevail. For full product details ad disclosure, refer to the Iformatio Folder ad Cotract ad Supplemets. Su Life Assurace Compay of Caada, a member of the Su Life Fiacial group of compaies, is the sole issuer of the idividual variable auity cotract providig for ivestmet i SuWise Elite segregated fuds. A descriptio of the key features of the applicable idividual variable auity cotract is cotaied i the Iformatio Folder. SUBJECT TO ANY APPLICABLE DEATH AND MATURITY GUARANTEES, ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE. CI Ivestmets ad the CI Ivestmets desig are registered trademarks of CI Ivestmets Ic. Harbour Advisors is a trademark of CI Ivestmets Ic. SuWise is a registered trademark of Su Life Assurace Compay of Caada. *Ivesco ad all associated trademarks are trademarks of Ivesco Holdig Compay Limited, used uder licece. Trimark ad all associated trademarks are trademarks of Ivesco Trimark Ltd. Fidelity Ivestmets ad the Fidelity desig are registered trademarks of FMR Corp. RBC Asset Maagemet is a registered trademark of Royal Bak of Caada. TD Asset Maagemet is a trademark of The Toroto-Domiio Bak, used uder licece. Frakli Templeto Ivestmets, Frakli Templeto Ivestmets Quotetial Program ad/or Frakli Templeto Ivestmets ad desig are registered trademarks of Frakli Templeto Ivestmet Corp. Su Life Assurace Compay of Caada 227 Kig Street South P.O. Box 1601 STN Waterloo Waterloo, Otario N2J 4C5 2 Quee Street East, Twetieth Floor, Toroto, Otario M5C 3G7 I Head Office / Toroto Calgary Motreal Vacouver Cliet Services Eglish: Frech: SWEP PSCLBRO 07/09E