EMPIRE LIFE MONTHLY INCOME GIF

Class L Guaranteed Investment Funds as of December 31, 2021

INVESTMENT MANAGEMENT

Jennifer Law, CFA
Ian Fung, CFA
Empire Life Investment Team

WHY INVEST IN THIS FUND

You are seeking growth and income by investing primarily in Canadian equity and fixed income securities.

FUND FACTS

Asset ClassCanadian Balanced
Size (Mill)$35.66
MER2.85 %
Inception April 20, 2015
Total Holdings192

RISK TOLERANCE

lowlow to mediummediummedium to highhigh

ASSET MIX

Canadian Equities50.5 %
Canadian Bonds33.4 %
Cash and Cash Equivalents8.5 %
U.S. Equities7.6 %
International Equities0.0 %

SECTOR MIX

Financials34.3 %
Energy12.7 %
Industrials12.4 %
Information technology8.2 %
Consumer staples7.1 %
Communication services7.1 %
Consumer discretionary5.4 %
Real Estate5.3 %
Utilities4.5 %
Materials2.8 %
Health care0.2 %

GROWTH OF $10,000

For Illustration Purposes Only

TOP 10 HOLDINGS

ROYAL BK OF CANADA 0.20% 04JAN22 TD 7.5 %
Toronto-Dominion Bank3.8 %
Royal Bank of Canada3.5 %
Government of Canada 1.250% June 1, 20302.3 %
Brookfield Asset Management Inc. 'A'2.1 %
Bank of Montreal1.9 %
Canadian Imperial Bank of Commerce1.5 %
Government of Canada 2.500% June 1, 20241.4 %
Manulife Financial Corporation1.4 %
Alimentation Couche-Tard Inc. Multiple Vtg Sh1.2 %
Total of Top 1026.8 %

COMPOUND ANNUAL RETURNS

1 mo3 moYTD1 yr3 yr5 yr10 yrInception
3.204.5812.3112.318.444.52 3.84

CALENDAR YEAR RETURNS

20142015201620172018201920202021
  6.714.33-6.2310.672.5912.31
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. ** 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.