EMPIRE LIFE EMBLEM DIVERSIFIED INCOME PORTFOLIO GIF

Class L Guaranteed Investment Funds as of December 31, 2020

INVESTMENT MANAGEMENT

Empire Life Investment Team

WHY INVEST IN THIS FUND

You are seeking current income and some growth by investing primarily in equity and fixed income securities, with a target equity allocation of 20%

FUND FACTS

Asset ClassPortfolio Funds
Size (Mill)$52.36
Estimated MER (%)*2.66 %
Inception November 3, 2014
Total Holdings319

RISK TOLERANCE

lowlow to mediummediummedium to highhigh

ASSET MIX

Canadian Bonds68.6 %
Canadian Equity13.0 %
US Equity6.5 %
Cash6.2 %
International Equity5.7 %

BOND TYPE

Investment Grade Corporate40.8 %
Federal Government28.6 %
Provincial Government28.1 %
Floating Rate1.2 %
Municipal Government0.9 %
Preferred Shares0.3 %
High Yield Corporate0.1 %

GROWTH OF $10,000

For Illustration Purposes Only

TOP 10 HOLDINGS

ROYAL BANK OF CANADA 0.2% 04JAN21 TD 5.2 %
Canada Housing Trust No.1, 1.95%, 12/15/20254.6 %
Gov. of Canada, 1.25%, 6/1/20302.4 %
Gov. of Canada, 2.25%, 6/1/20292.1 %
Canada Housing Trust No.1, 2.9%, 6/15/20241.8 %
Canada Housing Trust No.1, 0.03%, 12/15/20231.8 %
Province of Ontario, 2.7%, 6/2/20291.6 %
Scotiabank Capital Trust, 0.06%, 12/31/20561.4 %
Province of Ontario, 0.02%, 12/2/20511.3 %
New Brunswick (Province of), 3.55%, 6/3/20431.2 %
Total of Top 1023.4 %

COMPOUND ANNUAL RETURNS

1 mo3 moYTD1 yr3 yr5 yr10 yrInception
0.772.344.794.792.592.41 2.54

CALENDAR YEAR RETURNS

20132014201520162017201820192020
  1.881.672.59-3.626.914.79
* On November 1, 2019 the insurance fee (which in recent years was not included in the MER) was incorporated into the MER. The MER shown above is an estimate calculated as if the insurance fee had been incorporated into the MER for the full 2019 year. Empire Life will endeavour to ensure the information presented is accurate and updated, but will not be held liable for inaccuracies. A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Guaranteed Investment Fund is invested at the risk of the contract owner and may increase or decrease in value. *Fund positioning/holdings are reflective of Emblem Diversified Income Series I mutual fund*. ** Annual Compound Returns: Returns under 1 year are simple rates of return. All others are annual compound rates of return. All returns are calculated after taking expenses, management and administration fees into account. Past performance is no guarantee of future performance. ® Registered Trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company.