Savings And Investments - La Capitale

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Savings andInvestmentsLa Capitale Investment AccountsAgent’s Guide

Contents12467Benefits of Investing in La CapitaleInvestment AccountsIn BriefProfile of InvestmentManagement CompaniesProduct InformationLa Capitale Investment Account Codes49U.S. and International Equity50American Equity (Dynamic)52American Equity (Fiera Capital)54Low Volatility American Equity (TDAM)56U.S. Small-Mid Cap Equity (AGF)58Global Dividend (TDAM)60Global Equity – Discovery (Dynamic)62Global Infrastructure Equity (Dynamic)64Low Volatility Global Equity (TDAM)66Global Equity (AGF)68Global Equity (Fiera Capital)70Global Sustainable Growth Equity (AGF)72International Equity (Fiera Capital)74Emerging Markets (AGF)8Fixed Income9Canadian Fixed Income (AGF)11Canadian Fixed Income (CI Investments)13Global Fixed Income (CI Investments)7615High Yield Fixed Income (TDAM)AGF Portfolios77Conservative Profile (AGF)79Moderate Profile (AGF)81Balanced Profile (AGF)83Growth Profile (AGF)85Aggressive Profile (AGF)17Balanced18Canadian Balanced (CI Investments)20Canadian Balanced (Dynamic)22Canadian Balanced (Fidelity)24Global Balanced (AGF)8726Global Balanced (CI Investments)Dynamic Portfolios88Conservative Profile (Dynamic)28Diversified Income (Fidelity)90Moderate Profile (Dynamic)30Diversified Income (Dynamic)92Balanced Profile (Dynamic)32Global Diversified Income (Fidelity)94Growth Profile (Dynamic)96Aggressive Profile (Dynamic)98Asset Allocations based on InvestorProfile34Canadian Equity35Canadian Dividend (AGF)37Canadian Dividend (Fidelity)39Canadian Equity Income (Dynamic)41Canadian Equity (Dynamic)43Canadian Equity (Fidelity)45Small Capitalization Canadian Equity (Dynamic)47Low Volatility Canadian Equity (TDAM)

Benefits of Investing inLa Capitale Investment AccountsLong-term capital growth potentialJust one account statement showing all investments atLa Capitale, with the option to view account balances onlineAccess to the largest and most liquid companies on the marketwith just one accountContributions covered by Assuris up to 100,000Guaranteed death benefit: 100% of contributions made upto age 75Option to designate a beneficiary

In BriefLa Capitale Investment Accounts are similar to mutual funds. La Capitale offers a wide range of investmentaccounts, in six main categories:Type of AccountAsset CategoryMER ofManagement Reference Investment ObjectivesFees1Fund2in BriefManagementStyleReference FundFixed IncomeCanadian Fixed Income(AGF)Canadian Fixed IncomeCanadian Fixed Income(CI Global AssetManagement)Canadian FixedIncomeGlobal Fixed Income(CI Global AssetManagement)Global Fixed IncomeHigh Yield Fixed Income(TDAM)High Yield FixedIncomeInterest rateanticipationAGF Fixed Income Plus Fund, MF Series0%1.51%3Interest incomeDiversifiedAlphaCI Canadian Bond Fund, Series A0%1.41%3Interest incomeDiversifiedAlphaCI Global Bond Fund, Series A0%1.53%3Interest incomeInterest rateanticipationTD High Yield Bond Fund, InvestorSeries0%1.78%4Interest incomeLong-term capital growthBalancedCanadian Balanced(CI Global AssetManagement)Canadian NeutralBalancedBlendCI Canadian Balanced Fund, Series A0%2.43%6Long-term capital growthDividend and interest incomeCanadian Balanced(Dynamic)Canadian EquityBalancedBlendDynamic Value Balanced Fund, Series A0%2.16%5Long-term capital growthDividend and interest incomeCanadian Balanced(Fidelity)Canadian NeutralBalancedGrowthFidelity Canadian Balanced Fund,Series A0%2.29%4High total investment returnGlobal Balanced (AGF)Global Equity BalancedGrowthAGF Global Growth Balanced Fund,MF Series0%2.58%3Long-term capital growthInterest incomeGlobal Balanced(CI Global AssetManagement)Global NeutralBalancedBlendCI Global Income & Growth Fund,Series A0%2.45%3Long-term capital growthDividend and interest incomeDiversified Income(Fidelity)Canadian NeutralBalancedValueFidelity Monthly Income Fund, Series A0%2.29%4Steady flow of incomeModest capital appreciationDiversified Income(Dynamic)Tactical BalancedBlendDynamic Strategic Yield Fund, Series A0%2.15%5Long-term capital growthHigh incomeBlendFidelity Global Monthly Income Fund,Series A0%2.44%3Steady flow of incomeModest capital appreciationCanadian Dividend (AGF) Canadian Dividendand Income EquityBlendAGFiQ Canadian Dividend Income Fund,MF Series0%2.12%3Long-term capital growthDividend incomeCanadian Dividend(Fidelity)Canadian Dividendand Income EquityValueFidelity Dividend Fund, Series A0%2.29%4High total investment returnCanadian Equity Income(Dynamic)Canadian Dividendand Income EquityBlendDynamic Equity Income Fund, Series A0%2.13%5Long-term capital growthHigh incomeCanadian Equity(Dynamic)Canadian FocusedEquityBlendDynamic Value Fund of Canada, Series A0%2.30%5Long-term capital growthCanadian Equity(Fidelity)Canadian EquityBlendFidelity Canadian DisciplinedEquity Fund, Series A0%2.46%6Long-term capital growthSmall CapitalizationCanadian Equity(Dynamic)Canadian FocusedSmall/Mid Cap EquityGrowthDynamic Small Business Fund, Series A0%2.42%5Long-term capital growthLow Volatility CanadianEquity (TDAM)Canadian EquityBlendTD Emerald Low Volatility CanadianEquity PFT70.01%Better risk-ajusted totalreturn than the IndexGlobal Diversified Income Global Neutral(Fidelity)BalancedCanadian Equity2.40%1. Management fees charged by the insurer are not guaranteed. 2. Represents management expense ratio of reference fund. 3. As at March 31. 2020. 4. As at December 31. 2019. 5. As at June 30. 2019.6. As of August 31. 2021. 7. Pooled fund trustLA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE2

Type of AccountAsset CategoryManagementStyleReference FundManagementMER ofInvestment ObjectivesFees1Reference Fund2 in BriefU.S. and International EquityAmerican Equity(Dynamic)American EquityGrowthDynamic American Fund, Series AAmerican Equity(Fiera Capital)American EquityGrowthFiera U.S. Equity Fund, Series ALow Volatility AmericanEquity (TDAM)American EquityValueU.S. Small-Mid CapEquity (AGF)US Small/Mid CapEquityGlobal Dividend (TDAM)Global Equity0%2.39%2.39%5Long-term capital growth0.06%Long-term capital growthTD U.S. Low Volatility Fund, InvestorSeries0%2.23%4Better risk-ajusted totalreturn than the IndexGrowthAGF U.S. Small-Mid Cap Fund,MF Series0%2.53%3Long-term capital growthValueEpoch Global Shareholder YieldFund, Investor Series0%2.51%4Long-term capital growthDividend incomeGlobal Equity – Discovery Global Equity(Dynamic)GrowthDynamic Global Discovery Fund,Series A0%2.36%5Long-term capital growthGlobal InfrastructureEquity (Dynamic)Global InfrastructureEquityBlendDynamic Global Infrastructure Fund,Series A0%2.39%5Long-term capital growthand incomeLow Volatility GlobalEquity (TDAM)Global EquityValueTD Emerald Low Volatility All WorldEquity PFT62.50%0.02%Better risk-ajusted totalreturn than the IndexGlobal Equity (AGF)Global EquityGrowthAGF Global Select Fund, MF Series0%2.60%3Long-term capital growthGlobal Equity(Fiera Capital)Global EquityGrowthFiera Global Equity Fund, Series A2.49%0.05%Long-term capital growthGlobal SustainableGrowth Equity (AGF)Global EquityGrowthAGF Global Sustainable GrowthEquity Fund, MF Series0%2.06%3Long-term capital growthInternational Equity(Fiera Capital)International EquityGrowthFiera International Equity Fund,Series A2.54%0.06%Long-term capital growthBlendAGF Emerging Markets Fund,MF Series2.50%3Long-term capital growthEmerging Markets (AGF) Emerging MarketsEquityType of PortfoliosAsset Category0%MER ofManagement Reference Investment ObjectivesFees1Portfolio7 in BriefReference PortfolioAGF PortfoliosConservative Profile (AGF) Global Fixed Income BalancedAGF Elements Yield Portfolio, MF Series0%2.07%3High current incomeLong-term returns withlower riskModerate Profile (AGF)Global Fixed Income BalancedAGF Elements Conservative Portfolio,MF Series0%2.44%3Balanced Profile (AGF)Global Neutral BalancedAGF Elements Balanced Portfolio, MF Series0%2.46%3High long-term returnsGrowth Profile (AGF)Global Equity BalancedAGF Elements Growth Portfolio, MF Series0%32.45%Superior long-term returnsAggressive Profile (AGF)Global EquityAGF Elements Global Portfolio, MF Series0%2.61%3Superior long-term returns0%1.92%5Steady flow of income andsome long-term capital growthDynamic PortfoliosConservative Profile(Dynamic)Canadian Fixed Income Balanced DynamicEdge Defensive Portfolio, Series AModerate Profile (Dynamic) Global Fixed Income BalancedDynamicEdge Conservative Class Portfolio,Series A0%1.89%5Steady flow of income andsome long-term capital growthBalanced Profile (Dynamic) Global Equity BalancedDynamicEdge Balanced Growth Portfolio,Series A0%2.33%5Long-term capital growthand some incomeGrowth Profile (Dynamic)Global Equity BalancedDynamicEdge Growth Portfolio, Series A0%2.38%5Long-term capital growthAggressive Profile(Dynamic)Global EquityDynamicEdge Equity Portfolio, Series A0%2.40%5Long-term capital growthDaily InterestThe interest rate on this account is announced from time to time by the Insurer. To know the current rate, please visit lacapitale.com. This account is notavailable for sale; it is only for transferring amounts between investment accounts.1. Management fees charged by the insurer are not guaranteed. 2. Represents management expense ratio of reference fund. 3. As at March 31. 2021. 4. As at December 31. 2019. 5. As at June 30. 2020.6. Pooled fund trust 7. Represents management expense ratio of reference portfolio.LA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE3

Profile of InvestmentManagement CompaniesLa Capitale is proud to have chosen six investment management companiesthat are renowned across Canada for their performance, stability and reputation.Dynamic Company ProfileDynamic Funds is a Canadian success story which began by challenging the status quo ininvestment management, and continues to do so by providing legitimately active managementfor clients nation-wide. Today, Dynamic Funds continues to innovate by offering a comprehensivesuite of investment solutions spanning all sectors, regions and investment disciplines. Ourproducts are managed by some of Canada’s top investment professionals, each with theirown unique process. As one of the country’s largest and most recognized wealth managementbrands, Dynamic Funds has in excess of 50 billion in assets under management.AGF Company ProfileFounded in 1957, AGF Management Limited (AGF) is an independent and globally diverseasset management firm. AGF brings a disciplined approach to delivering excellence ininvestment management through its fundamental, quantitative, alternative and high-networth businesses focused on providing an exceptional client experience. AGF’s suite ofinvestment solutions extends globally to a wide range of clients, from financial advisorsand individual investors to institutional investors including pension plans, corporate plans,sovereign wealth funds and endowments and foundations.AGF has investment operations and client servicing teams on the ground in North America,Europe and Asia. With nearly 37 billion in total assets under management, AGF serves morethan one million investors. AGF trades on the Toronto Stock Exchange under the symbol AGF.B.Fidelity Investments Company ProfileFidelity Investments Canada ULC is ranked amongst the largest mutual fund companiesin Canada and part of the global investment organization known as Fidelity Investments, oneof the largest providers of financial services. In Canada, since June 2020, Fidelity managesover 145 billion in mutual fund and institutional assets. This includes 36 billion in assetsfor institutional clients including public and corporate defined benefit pension plans,endowments, foundations and other corporate assets on behalf of clients across Canada.Fidelity Canada provides Canadian investors a full range of domestic, international andincome-oriented mutual funds. Fidelity funds are available through a number of advicebased distribution channels including financial planners, investment dealers, banks, andinsurance companies. Fidelity is a proud supporter of the Boys and Girls Clubs of Canada,and we are dedicated to helping young Canadians realize their full potential as productive,responsible and caring citizens.LA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE4

TD Asset Management Company ProfileTD Asset Management (TDAM) offers investment solutions to corporations, pension funds,endowments, foundations and high net worth individuals, and we manage retail mutual fundassets on behalf of almost 2 million investors. We offer solutions to help meet a wide rangeof client needs and have a long track record of helping our clients meet their investment goals.Our broad selection of strategies and solutions includes fundamental, quantitative, andpassive portfolio management, as well as alternatives and multi-discipline solutions. TDAMoversees 396 billion1 of investments for our clients and we are Canada’s largest moneymanager in pension assets.21. Assets under management as of September 30, 2020 for TD Asset Management Inc., TDAM USA Inc. and Epoch Investment Partners, Inc. TD AssetManagement operates through TD Asset Management Inc. in Canada and through TDAM USA Inc. in the United States. Epoch is an affiliate of TD AssetManagement. All entities listed are affiliates and are wholly-owned subsidiaries of The Toronto-Dominion Bank.2. Source: «The Top 40 Money Managers (as of December 30, 2019)”, Benefits Canada, May 2020.CI Global Asset Management Company ProfileCI Global Asset Management is one of Canada’s largest investment managementcompanies. It offers a wide range of investment products and services. CI is a subsidiary ofCI Financial Corp. (TSX: CIX), an independent, Canadian-owned wealth management firmwith fee-earning assets of 194 billion as of September 30, 2020 and has been managingmoney on behalf of Canadian investors, including leading financial institutions, pensionfunds, endowments, foundations and corporations, since 1965. CI’s growth has been guidedby a strategy of choice, innovation and seeking the best available portfolio managers.Signature Global Asset Management (SGAM), a division of CI Global Asset Management,incorporates a global, thematic approach to investment. A central tenet of Signature’sapproach is that markets are interconnected, and that a successful investment disciplineshould be equally holistic and connected. This philosophy combined with rigorous bottomup analysis defines its investment process, allowing Signature to identify areas ofopportunity on a global basis.Fiera Capital Company ProfileFiera Capital Corporation, a leading independent asset management firm, is rapidly acquiringa global presence and reputation. With more than 170 billion in assets under managementas at June 30, 2020, the firm offers to institutional and private wealth integrated portfoliomanagement solutions that span a broad array of traditional and alternative asset classes.Clients stand to benefit from Fiera Capital’s depth of expertise, diversified offerings, andperformance-driven entrepreneurial culture. The firm provides its best-in-class investmentand asset allocation teams the necessary scope to responsibly pursue their particularstrategies as boutique investment managers, backed by the substantial organizational anddistribution resources befitting an industry leader. Headquartered in Montreal, Fiera Capitalalso has offices in Toronto, Calgary, Vancouver, and Halifax, as well as New York, Boston,Los Angeles and Dayton (Ohio) in the United States, London and the Isle of Man in theUnited Kingdom, Frankfurt, Germany and in Hong Kong and Singapore. The firm has morethan 850 employees, including some 205 investment professionals, dedicated to meetingthe needs of a diverse clientele that includes pension funds, endowments, foundations,religious and charitable organizations, family offices, high-net-worth individuals, financialinstitutions, retail investors, mutual funds and managed-asset platforms. Fiera Capitaltrades under the ticker FSZ on the Toronto Stock Exchange.LA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE5

Product InformationType of contractRegistered contract (TFSA, RRSP, RRIF, LIRA and LIF)Age at issueMinimum age at issue: 18 yearsMinimuminvestment 500 minimum initial investment per investment accountSubsequent investments: Minimum 100 per investment accountMaturity dateUpon death of contractholderGuaranteed deathbenefitAmounts invested are not guaranteed, except in the event of the contractholder’s death. In the event ofthe contractholder’s death, La Capitale guarantees the highest of the following amounts for all investmentaccounts held by the client:The balance of the accounts on the date of death or100% of the sums invested in these accounts prior to age 75, adjusted proportionately to any reduction inthe total value of the accounts at the time of redemption of units, determined on the date of the redemption LiquidityRedeemable at any time (subject to redemption fees, if applicable): 100 minimum redemptionEligible for withdrawal under the HBP Fee optionPayable feesPurchase Fee (PF)(Front-end Load)Up to 5% of theamount investedTerms Moderate Fee (MF)(Low-Load)Redemption of units:Year 13.00%Year 22.50%Year 32.00%Thereafter0.00%Redemption Fee(RF)(Back-end Load)Redemption of units:Year 16.00%Year 25.50%Year 35.00%Year 44.50%Year 53.00%Year 61.50%Thereafter0.00%No RedemptionFee (NRF)3 years/5 yearsoptionsN/A The applicable fee rate is negotiated between the client and the financial securityadvisor.Purchase fees are deducted from the amount invested, and the advisor will receivea portion of these as commission.An investment account with purchase fees may be transferred at no chargeto another account with purchase fees, provided the minimum investmentrequirements are respected.Redemption fees are deducted from the redeemed product, as necessary.When the client purchases units, La Capitale pays the advisor a commission.The redemption fees you pay go to La Capitale.Each calendar year, the client may sell, without penalty, up to 10% of the marketvalue of the investment account as at December 31 of the previous year plus 10%of new deposits made during the calendar year (non-cumulative right).An investment account with redemption fees may be transferred at no chargeto another investment account with redemption fees:– Provided the same fee option indicated on the investment certificate is respected– Provided the minimum investment requirements are respected– Amounts transferred maintain their initial transaction dates for purposesof calculating the redemption feesWhen the client purchases units, La Capitale pays the advisor a commission.An investment account without redemption fees may be transferred at no chargeto another investment account without redemption fees:– Provided the same fee option indicated on the investment certificate is respected– Provided the minimum investment requirements are respected– Amounts transferred maintain their initial transaction datesDetailsAVAILABLE FOR PERIODIC PURCHASE Benefit from dollar-cost averaging by taking advantage of fluctuations in the unit value Build up your RRSP contribution gradually without stretching your budget Preauthorized bank payment: Every 14 days or monthly Minimum annual investment of 500 per investment account. However, if preauthorized payments are selected as the method ofpayment, funds can be deposited in more than one investment account.LA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE6

La Capitale Investment Account CodesLa Capitale Fundserv prefix: LCAReference FundsRF1PF2MF3Canadian Fixed Income (AGF)AGF Fixed Income Plus Fund, MF SeriesNRF34 NRF55102202302402502Canadian Fixed Income (CI Global Asset Management) CI Canadian Bond Fund, Series A138238338438538Global Fixed Income (CI Global Asset Management)CI Global Bond Fund, Series A134234334434534High Yield Fixed Income (TDAM)TD High Yield Bond, Investor Series142242342442542BalancedReference FundsCanadian Balanced (CI Global Asset Management)CI Canadian Balanced Fund, Series A143243343443543Canadian Balanced (Dynamic)Dynamic Value Balanced Fund, Series A103203303403503Canadian Balanced (Fidelity)Fidelity Canadian Balanced Fund, Series A104204304404504Global Balanced (AGF)AGF Global Growth Balanced Fund, MF Series105205305405505Global Balanced (CI Global Asset Management)CI Global Income & Growth Fund, Series A144244344444544Diversified Income (Fidelity)Fidelity Monthly Income Fund, Series A106206306406506Diversified Income (Dynamic)Dynamic Strategic Yield Fund, Series A107207307407507Global Diversified Income (Fidelity)Fidelity Global Monthly Income Fund, Series A137237337437537Canadian EquityReference FundsCanadian Dividend (AGF)AGFiQ Canadian Dividend Income Fund, MF Series109209309409509Canadian Dividend (Fidelity)Fidelity Dividend Fund, Series A110210310410510Canadian Equity Income (Dynamic)Dynamic Equity Income Fund, Series A111211311411511Canadian Equity (Dynamic)Dynamic Value Fund of Canada, Series A112212312412512Canadian Equity (Fidelity)Fidelity Canadian Disciplined Equity Fund, Series A113213313413513Small Capitalization Canadian Equity (Dynamic)Dynamic Small Business Fund, Series A114214314414514Low Volatility Canadian Equity (TDAM)TD Emerald Low Volatility Canadian Equity PFT115215315415515American and International EquityReference FundsAmerican Equity (Dynamic)Dynamic American Fund, Series A118218318418518American Equity (Fiera Capital)Fiera U.S. Equity Fund, Series A135235335435535Low Volatility American Equity (TDAM)TD U.S. Low Volatility Fund, Investor Series139239339439539U.S. Small-Mid Cap Equity (AGF)AGF U.S. Small-Mid Cap Fund, MF Series153253353453553Global Dividend (TDAM)Epoch Global Shareholder Yield Fund, Investor Series140240340440540Global Equity – Discovery (Dynamic)Dynamic Global Discovery Fund, Series A120220320420520Global Infrastructure Equity (Dynamic)Dynamic Global Infrastructure Fund, Series A141241341441541Low Volatility Global Equity (TDAM)TD Emerald Low Volatility All World Equity PFT121221321421521Global Equity (AGF)AGF Global Select, MF Series145245345445545Global Equity (Fiera Capital)Fiera Global Equity Fund, Series A136236336436536Global Sustainable Growth Equity (AGF)AGF Global Sustainable Growth Equity Fund, MF Series147247347447547International Equity (Fiera Capital)Fiera International Equity Fund, Series A146246346446546Emerging Markets (AGF)AGF Emerging Markets Fund, MF Series122222322422522AGF PortfoliosReference PortfoliosConservative Profile (AGF)AGF Elements Yield Portfolio, MF Series123223323423523Moderate Profile (AGF)AGF Elements Conservative Portfolio, MF Series124224324424524Balanced Profile (AGF)AGF Elements Balanced Portfolio, MF Series125225325425525Growth Profile (AGF)AGF Elements Growth Portfolio, MF Series126226326426526Aggressive Profile (AGF)AGF Elements Global Portfolio, MF Series127227327427527Dynamic PortfoliosReference PortfoliosConservative Profile (Dynamic)DynamicEdge Defensive Portfolio, Series A148248348448548Moderate Profile (Dynamic)DynamicEdge Conservative Class Portfolio, Series A149249349449549Balanced Profile (Dynamic)DynamicEdge Balanced Growth Portfolio, Series A150250350450550Growth Profile (Dynamic)DynamicEdge Growth Portfolio, Series A151251351451551Aggressive Profile (Dynamic)DynamicEdge Equity Portfolio, Series A152252352452552133233333433533Daily interest – Available only for transfers between investment accountsT002W (2021-11)Fixed Income1. RF: Back-end Load fees 2. PF: Front-load fees 3. MF: Low-load fees 4. NRF3: No Redemption fees 3 years 5. NRF5: No Redemption fees 5 yearsLA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE7

Fixed IncomeInvestment AccountsLA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE8

IMPORTANT: Print this page BACK-TO-BACK with the next pageCanadian Fixed Income (AGF)Fund information as at August 31, 2021Performance and risk tolerance as at September 30, 2021REFERENCE FUND DETAILS SUMMARY OF THE LA CAPITALE INVESTMENT ACCOUNTPortfolio ManagerThe Canadian Fixed Income (AGF) investment account mirrors the performanceof the following reference fund:1 AGF Fixed Income Plus Fund, MF Series.David Stonehouse, MBA, CFAINVESTMENT OBJECTIVE AND STRATEGIESAsset CategoryCanadian Fixed IncomeThe investment objective of the AGF Fixed Income Plus Fund is to provide steady income toinvestors by investing primarily in fixed-income securities.Management StyleInterest rate anticipationThe Fund invests primarily in high-quality Canadian government and corporate fixed incomesecurities with maturities in excess of one year.The Fund looks for government or corporate securities with a history of steady interest ordistribution payouts. These securities have the ability to sustain the payouts for a reasonableperiod of time and are favourably priced with respect to these payouts for a reasonableexpectations.InceptionNovember 1998Total Value 1,674 million MER4: 1.51%5FUND PERFORMANCE2 Risk ToleranceAnnual compound returns (%)3Low ModerateHighFund codes (see page 7)RFPFMF102202302NRF3 NRF5402 Capital 100% guaranteedin the event of death6Contributions coveredby Assuris up to 100,000per type of contract1 year3 years5 years10 720162015201410.15.80.01.20.31.37.2FUND COMPOSITIONAsset mix 6 months–0.8Annual returns (%)502GUARANTEES PROVIDEDBY INVESTMENT ACCOUNTS3 monthsCorporate Government-related Treasury Cash & Other Securitized%56.633.27.52.20.41. Investing in this account is not the same aspurchasing units of this fund and does not conferany rights in the fund.2. Past performance does not guarantee future results.The returns shown are net of management fees.3. Simple return for period of less than one year.4. Represents management expense ratio ofreference fund. Management fees may also becharged to the account by the insurer. These feesare not guaranteed.5. As at March 31, 2021.6. Certain conditions apply.LA CAPITALE INVESTMENT ACCOUNTS AGENT’S GUIDE9

IMPORTANT: Print this page BACK-TO-BACK with the previous pageFee optionPayable feesPurchase Fee (PF)(Front-end Load)Up to 5% of theamount investedTerms Moderate Fee (MF)(Low-Load)Redemption of units:Year 13.00%Year 22.50%Year 32.00%Thereafter0.00%Redemption Fee(RF)(Back-end Load)Redemption of units:Year 16.00%Year 25.50%Year 35.00%Year 44.50%Year 53.00%Year 61.50%Thereafter0.00%No RedemptionFee (NRF)3 years/5 yearsoptionsN/A The applicable fee rate is negotiated between the client and the Financial SecurityAdvisor.Purchase fees are deducted from the amount invested, and the advisor will receivea portion of these as commission.An investment account with purchase fees may be transferred at no chargeto another account with purchase fees, provided the minimum investmentrequirements are respected.Redemption fees are deducted from the redeemed product, as necessary.When the client purchases units, La Capitale pays the advisor a commission.The redemption fees you pay go to La Capitale.Each calendar year, the client may sell, without penalty, up to 10% of the marketvalue of the investment account as at December 31 of the previous year plus 10%of new deposits made during the calendar year (non-cumulative right).An investment account with redemption fees may be transferred at no chargeto another investment account with redemption fees:– Provided the same fee option indicated on the investment certificate is respected– Provided the minimum investment requirements are respected– Amounts transferred maintain their initial transaction dates for purposesof calculating the redemption feesWhen the client purchases units, La Capitale pays the advisor a commission.An investment account without redemption fees may be transferred at no chargeto another investment account without redemption fees:– Provided the same fee option indicated on the investment certificate is respected– Provided the minimum investment requirements are respected– Amounts transferred maintain their initial transaction datesPermanent account feesTransfer feesThe management expense ratio (MER) includes management andoperating fees of the reference fund. Management fees may also becharged to the account by the insurer. These fees are not guaranteed.You don’t pay for these fees directly, but they will reduce the rateof return of your investments.Except in the event of death, any amount transferred to anotherfinancial institution shall be reduced by applicable redemption fees,as well as transfer fees, of up to 65. In addition, fees of up to 25are also applicable in the event of termination of the contract asa result of the transfer. These fees are not guaranteed and may bemodified with a written notice of at least thirty (30) days.Sales commissionIf you invest in a La Capitale investment account offered to you byan advisor, he or she will receive a sales commission.The commission varies depending on the selected fee option. If thepurchase fee option is selected, fees of up to 5% will be deductedfrom the amount you invest, and the advisor will receive a portion ofthese as a commission. If the redemption fee option is selected, nofees will be deducted from the amount you invest and the advisorwill receive a commission directly from the insurer.Follow-up commissionThe advisor will receive a follow-up commission from the insurer aslong as you hold investment account units. The follow-up commissionvaries depending on the selected fee option. It covers services andadvice provided to you by your advisor.Additional information on the investment accountLa Capitale investment account is an investment account offered ina La Capitale annuity contract.Capitalguaranteedin the eventof deathAmounts invested are not guaranteed, exceptin the event of the death of the contractholder.Upon the death of the contractholder, La Capitaleguarantees for all investment accounts held bythe client the highest of the following amounts:The balance of the accounts on the date of death100% of the sums invested in these accountsprior to age 75, adjusted proporti

American Equity Growth Fiera U.S. Equity Fund, Series A 2.39% 0.06% Long-term capital growth Low Volatility American Equity (TDAM) American Equity Value TD U.S. Low Volatility Fund, Investor Series 0% 2.23%4 Better risk-ajusted total return than the Index U.S. Small-Mid Cap Equity (AGF) US Small/Mid Cap Equity Growth AGF U.S. Small-Mid Cap Fund .

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