Overview
Daily NAV
$14.02
-0.49% ($0.07)
October 30, 2026
-
Inception DateNovember 3, 2014
-
Net Assets$301.94 million
-
Fund Manager 1Empire Life Investments Inc.
-
Min. Investment$1,000 initial, $50 per fund
-
MER2.69%
-
Asset classCanadian Fixed Income Balanced
-
Management Fee2.05%
Risk: Low to Medium
Low
Low To Medium
Medium
Medium To High
High
1 Empire Life Investments Inc. is the Portfolio Manager of certain Empire Life segregated funds and is a wholly owned subsidiary of The Empire Life Insurance Company.
Why Invest
You are seeking growth and income by investing in a strategic mix of primarily Canadian equity and fixed income securities.
Fund codes
| Series | Front-end load | Low load * | No load | Deferred Sales Charge * |
|---|---|---|---|---|
| Class L | ECF12025 | ECF12225 | ECF12325 | ECF12525 |
- * NOTE: Effective May 29, 2023, the Deferred Sales Charge (DSC) and Low Load (LL) Purchase Fee Options are no longer available for new deposits. Switches between funds purchased with the same Purchase Fee Option will continue to be allowed.
Performance As at September 30, 2026
Growth of $10,000
Investment value:
$13,941.79
at
September 30, 2026
Compound Returns 2
| Series | 1 mth | 3 mths | 6 mths | YTD | 1 year | 3 years | 5 years | 10 years | psi |
|---|---|---|---|---|---|---|---|---|---|
| Empire Life Income GIF Class L | -1.81% | -1.91% | 2.03% | 2.14% | 2.51% | 7.57% | 2.72% | 2.74% | 2.83% |
| Series | Empire Life Income GIF Class L |
|---|---|
| 1 mth | -1.81% |
| 3 mths | -1.91% |
| 6 mths | 2.03% |
| YTD | 2.14% |
| 1 year | 2.51% |
| 3 years | 7.57% |
| 5 years | 2.72% |
| 10 years | 2.74% |
| psi | 2.83% |
2 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.
Calendar Returns
| Series | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Empire Life Income GIF Class L | 3.90% | 3.40% | -4.18% | 9.79% | 4.32% | 4.30% | -9.05% | 5.39% | 7.69% | 5.75% |
| Series | Empire Life Income GIF Class L |
|---|---|
| 2016 | 3.90% |
| 2017 | 3.40% |
| 2018 | -4.18% |
| 2019 | 9.79% |
| 2020 | 4.32% |
| 2021 | 4.30% |
| 2022 | -9.05% |
| 2023 | 5.39% |
| 2024 | 7.69% |
| 2025 | 5.75% |
Portfolio Allocations As at September 30, 2026
Asset Allocation
| Colours | Name | Weight |
|---|---|---|
| Canadian Bonds | 52.72% | |
| Canadian Equity | 22.64% | |
| U.S. Equity | 10.14% | |
| U.S. Bonds | 7.31% | |
| International Equity | 3.91% | |
| Cash and Equivalents | 3.15% | |
| International Bond Funds | 0.42% |
Bond Type
| Colours | Name | Weight |
|---|---|---|
| Investment Grade Corporate | 57.70% | |
| Provincial Government | 18.37% | |
| Federal Government | 11.60% | |
| Floating Rate | 9.24% | |
| High Yield Corporate | 1.80% | |
| Municipal Government | 0.63% | |
| Preferred Shares | 0.42% | |
| Convertible Bonds | 0.24% |
Top 10 Holdings
| Name | Weight |
|---|---|
| ROYAL BK OF CAD 2.15% 01OCT26 TD | 2.30% |
| Royal Bank of Canada | 1.68% |
| Toronto-Dominion Bank | 1.21% |
| Agnico Eagle Mines Limited | 1.17% |
| Shopify Inc. Cl A Sub Vtg Shs | 0.91% |
| Cameco Corp. | 0.83% |
| Province of Ontario, 3.6%, 6/2/2035 | 0.81% |
| Province of Alberta 3.050% December 1, 2048 | 0.80% |
| Province of Ontario 2.900% December 2, 2046 | 0.67% |
| Microsoft Corporation | 0.66% |
Portfolio Manager(s)
Empire Life Investment Team
Empire Life Investment Team