sun life assurance company of canada · mty food group inc 3.06 blackberry ltd 2.81 brookfield...
TRANSCRIPT
Sun Life Assurance Company of Canada
SunWise II Segregated Funds
Fund Facts – December 2019
Table of Contents
SunWise AIC American Focused Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
SunWise AIC Diversified Canada Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
SunWise Bond Index Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
SunWise Canadian Equity Index Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
SunWise CI American Value Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
SunWise CI Cambridge American Equity Corporate Class . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
SunWise CI Cambridge American Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
SunWise CI Cambridge Core Canadian Equity Corporate Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
SunWise CI Cambridge Core Global Equity Corporate Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
SunWise CI Cambridge Premier American Equity Corporate Class . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
SunWise CI Canadian Equity Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
SunWise CI Canadian Investment Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
SunWise CI Dividend Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
SunWise CI Global Bond Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
SunWise CI Global Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
SunWise CI Global Value Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
SunWise CI Harbour Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
SunWise CI International Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
SunWise CI International Value Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
SunWise CI Money Market Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
SunWise CI Premier American Value Corporate Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
SunWise CI Signature Canadian Balanced Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
SunWise CI Signature Canadian Bond Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45
SunWise CI Signature Canadian Premier Bond Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
SunWise CI Signature Dividend Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
SunWise CI Signature Global Income & Growth Corporate Class . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51
SunWise CI Signature Global Income & Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53
SunWise CI Signature High Income Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
SunWise CI Signature Income & Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57
SunWise CI Signature Premier Canadian Balanced Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59
SunWise CI Signature Premier II Canadian Balanced Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
SunWise CI Signature Select Canadian Balanced Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63
SunWise CI Signature Select Canadian Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
SunWise CI Signature Select Global Income & Growth Corporate Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
SunWise CI Signature Short-Term Bond Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69
SunWise CI Synergy American Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71
SunWise CI Synergy Canadian Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73
SunWise CI Synergy Global Corporate Class . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75
SunWise CI World Equity Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77
SunWise Fidelity Canadian Asset Allocation Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79
SunWise Fidelity Global Asset Allocation Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81
SunWise Fidelity International Portfolio Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83
SunWise Fidelity NorthStar® Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85
SunWise Fidelity True North® Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87
SunWise Fidelity U .S . Focused Stock Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 89
SunWise Mackenzie Cundill Canadian Balanced Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91
SunWise Mackenzie Cundill Canadian Security Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 93
SunWise Portfolio Series Balanced Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 95
SunWise Portfolio Series Balanced Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 97
SunWise Portfolio Series Conservative Balanced Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 99
SunWise Portfolio Series Conservative Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 101
SunWise Portfolio Series Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 103
SunWise Portfolio Series Income Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 105
SunWise Portfolio Series Maximum Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 107
SunWise Portfolio Series Summit Balanced Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 109
SunWise Portfolio Series Summit Maximum Growth Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 111
SunWise U .S . Market Index Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 113
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.41% $14.03 7,201
Combined 2001 4.14% $14.80 2,796
Basic 2001 3.61% $16.05 627
Full 4.44% $14.00 75,998
Combined 3.97% $14.92 13,054
Basic 3.60% $16.01 6,049
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Manulife U.S. Opportunities Fund. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsMicrosoft Corp 5.85Alphabet Inc 5.65JPMorgan Chase & Co 4.74Amazon.com Inc 4.73Apple Inc 4.67Berkshire Hathaway Inc 3.67Comcast Corp 3.63Walmart Inc 3.23Verizon Communications Inc 3.11Broadcom Ltd 2.57Total 41.85
Total number of investments: 61
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,540.02 in December 2019. This works out to an average of 9.77% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 87.92International Equity 9.37Canadian Equity 2.04Cash and Equivalents 0.67
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want capital growth from a U.S. equities fund• are investing for the long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Manulife Asset Management Limited
December 2001 $1,508,108
7.29%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise AIC American Focused Fund
As of December 31, 2019
1
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.41% 1.35% 0.30%
Combined 2001 4.14% 1.05% 0.30%
Basic 2001 3.61% 0.65% 0.30%
Full 4.44% 1.35% 0.30%
Combined 3.97% 1.05% 0.30%
Basic 3.60% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise AIC American Focused Fund
As of December 31, 2019
2
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.11% $19.17 4,753
Combined 2001 3.83% $20.28 466
Basic 2001 3.44% $21.66 1,282
Full 4.09% $19.23 23,243
Combined 3.57% $20.55 3,902
Basic 3.49% $21.59 5,737
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Manulife Dividend Income Plus Fund. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 10.04Constellation Software Inc 4.55Canadian Pacific Railway Ltd 3.17Alimentation Couche-Tard Inc 3.08MTY Food Group Inc 3.06BlackBerry Ltd 2.81Brookfield Asset Management Inc 2.70Dollarama Inc 2.50Tencent Holdings Ltd 2.35Microsoft Corp 2.22Total 36.48
Total number of investments: 99
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,148.95 in December 2019. This works out to an average of 7.95% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 49.17US Equity 22.96International Equity 10.24Cash and Equivalents 10.04Income Trust Units 4.20Domestic Bonds 3.35Other 0.04
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want focused exposure to Canadian equities and capital growth• are investing for the long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Manulife Asset Management Limited
December 2001 $779,421
3.72%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise AIC Diversified Canada Fund
As of December 31, 2019
3
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.11% 1.05% 0.30%
Combined 2001 3.83% 0.80% 0.30%
Basic 2001 3.44% 0.55% 0.30%
Full 4.09% 1.05% 0.30%
Combined 3.57% 0.80% 0.30%
Basic 3.49% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise AIC Diversified Canada Fund
As of December 31, 2019
4
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.00% $17.21 9,415
Combined 2001 1.94% $17.91 43
Basic 2001 1.79% $17.81 2,284
Full 2.01% $17.20 69,346
Combined 1.89% $17.54 23,900
Basic 1.82% $17.79 2,708
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the TD Emerald Canadian Bond Index Fund. The underlying fund invests mostly in Canadian bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCanada Government 0.75% 01-Mar-2021 1.35Canada Government 0.75% 01-Sep-2021 1.26Canada Government 1.00% 01-Jun-2027 1.26Canada Government 1.00% 01-Sep-2022 1.22Canada Government 2.75% 01-Dec-2048 1.15Canada Government 3.25% 01-Jun-2021 1.12Canada Housing Trust No 1 2.90% 15-Jun-2024 1.05Canada Government 2.50% 01-Jun-2024 1.04Canada Government 4.00% 01-Jun-2041 1.02Canada Government 0.50% 01-Mar-2022 0.99Total 11.46
Total number of investments: 903
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,270.13 in December 2019. This works out to an average of 2.42% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 99.73Cash and Equivalents 0.12Other 0.11Foreign Bonds 0.04
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to receive income• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:TD Asset Management Inc.
December 2001 $1,863,415
8.44%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Bond Index Fund
As of December 31, 2019
5
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.10% ISC: 0.25%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.00% 0.30% 0.30%
Combined 2001 1.94% 0.20% 0.30%
Basic 2001 1.79% 0.15% 0.30%
Full 2.01% 0.30% 0.30%
Combined 1.89% 0.20% 0.30%
Basic 1.82% 0.15% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Bond Index Fund
As of December 31, 2019
6
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.43% $20.32 5,803
Combined 2001 3.36% $20.95 545
Basic 2001 2.95% $22.72 628
Full 3.47% $20.23 22,813
Combined 3.25% $21.31 6,293
Basic 2.94% $22.64 702
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the TD Emerald Canadian Equity Index Fund. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsRoyal Bank of Canada 6.11Toronto-Dominion Bank 5.51Enbridge Inc 4.34Bank of Nova Scotia 3.71Canadian National Railway Co 3.50Brookfield Asset Management Inc 2.90Suncor Energy Inc 2.73TC Energy Corp 2.69Bank of Montreal 2.67BCE Inc 2.26Total 36.42
Total number of investments: 236
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,454.82 in December 2019. This works out to an average of 3.82% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 95.32Income Trust Units 4.42International Equity 0.15US Equity 0.08Cash and Equivalents 0.03
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a growth investment that tracks the returns of a major
Canadian equity index• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:TD Asset Management Inc.
December 2001 $755,200
5.11%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Canadian Equity Index Fund
As of December 31, 2019
7
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.43% 1.20% 0.30%
Combined 2001 3.36% 1.00% 0.30%
Basic 2001 2.95% 0.65% 0.30%
Full 3.47% 1.20% 0.30%
Combined 3.25% 1.00% 0.30%
Basic 2.94% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Canadian Equity Index Fund
As of December 31, 2019
8
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.02% $20.70 18,683
Combined 2001 3.58% $22.14 11,988
Basic 2001 3.41% $23.63 4,678
Full 4.17% $20.57 100,355
Combined 3.81% $21.91 27,247
Basic 3.35% $23.68 10,933
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI American Value Corporate Class. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsMicrosoft Corp 6.40Alphabet Inc 3.72Facebook Inc 3.71UnitedHealth Group Inc 2.65Centene Corp 2.52Broadcom Ltd 2.51Boeing Co 2.45Cash and Equivalents 2.31Bank of America Corp 2.24Pfizer Inc 2.15Total 30.66
Total number of investments: 59
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,687.18 in December 2019. This works out to an average of 10.39% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 89.16International Equity 6.95Cash and Equivalents 2.31Income Trust Units 1.58
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core U.S. equity fund for their portfolio• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Epoch Investment Partners, Inc.
December 2001 $3,683,152
5.65%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI American Value Fund
As of December 31, 2019
9
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.02% 1.35% 0.30%
Combined 2001 3.58% 1.05% 0.30%
Basic 2001 3.41% 0.65% 0.30%
Full 4.17% 1.35% 0.30%
Combined 3.81% 1.05% 0.30%
Basic 3.35% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI American Value Fund
As of December 31, 2019
10
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.97% $9.92 16,632
Combined 2001 3.76% $10.62 1,808
Basic 2001 3.32% $11.32 13,732
Full 4.13% $9.84 163,738
Combined 3.70% $10.61 11,111
Basic 3.27% $11.33 39,582
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Sentry U.S. Growth and Income Corporate Class (formerly CI American Equity Corporate Class). The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsAlphabet Inc 7.92Brookfield Asset Management Inc 7.75JPMorgan Chase & Co 7.11Berkshire Hathaway Inc 5.96MasterCard Inc 5.92Visa Inc 5.90Facebook Inc 4.12Cigna Corp 4.07Brookfield Infrastructure Partners LP 3.90Booking Holdings Inc 3.52Total 56.17
Total number of investments: 38
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,195.18 in December 2019. This works out to an average of 8.18% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 77.45Canadian Equity 8.64Income Trust Units 8.21International Equity 5.10Cash and Equivalents 0.60
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a U.S. equity fund that focuses on growth• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $2,517,571
5.27%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge American Equity Corporate Class
As of December 31, 2019
11
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.97% 1.35% 0.30%
Combined 2001 3.76% 1.05% 0.30%
Basic 2001 3.32% 0.65% 0.30%
Full 4.13% 1.35% 0.30%
Combined 3.70% 1.05% 0.30%
Basic 3.27% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge American Equity Corporate Class
As of December 31, 2019
12
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.08% $9.21 22,573
Combined 2001 3.86% $9.75 15,184
Basic 2001 3.41% $10.53 5,740
Full 4.18% $9.16 94,739
Combined 3.70% $9.80 13,708
Basic 3.39% $10.53 7,966
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Sentry U.S. Growth and Income Corporate Class (formerly CI American Equity Corporate Class). The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsAlphabet Inc 7.92Brookfield Asset Management Inc 7.75JPMorgan Chase & Co 7.11Berkshire Hathaway Inc 5.96MasterCard Inc 5.92Visa Inc 5.90Facebook Inc 4.12Cigna Corp 4.07Brookfield Infrastructure Partners LP 3.90Booking Holdings Inc 3.52Total 56.17
Total number of investments: 38
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,189.10 in December 2019. This works out to an average of 8.15% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 77.45Canadian Equity 8.64Income Trust Units 8.21International Equity 5.10Cash and Equivalents 0.60
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a U.S. equity fund that focuses on growth• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $1,502,325
5.97%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge American Growth Fund
As of December 31, 2019
13
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.08% 1.35% 0.30%
Combined 2001 3.86% 1.05% 0.30%
Basic 2001 3.41% 0.65% 0.30%
Full 4.18% 1.35% 0.30%
Combined 3.70% 1.05% 0.30%
Basic 3.39% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge American Growth Fund
As of December 31, 2019
14
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.77% $28.75 38,276
Combined 2001 3.37% $30.37 4,880
Basic 2001 3.11% $32.25 15,094
Full 3.79% $28.71 359,695
Combined 3.39% $30.38 37,035
Basic 3.23% $32.09 27,670
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Cambridge Canadian Equity Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsTourmaline Oil Corp 4.41Cash and Equivalents 4.33Keyera Corp 4.26Canadian Natural Resources Ltd 4.19Imperial Tobacco Group PLC 4.14Enbridge Inc 4.06Anthem Inc 3.91McKesson Corp 3.77Franco-Nevada Corp 3.59CSX Corp 3.55Total 40.21
Total number of investments: 40
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,378.25 in December 2019. This works out to an average of 9.05% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 53.32US Equity 26.78International Equity 14.50Cash and Equivalents 4.33Income Trust Units 1.07
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core Canadian equity fund• are investing for the medium and/or long-term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $14,076,773
5.66%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge Core Canadian Equity Corporate Fund
As of December 31, 2019
15
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.77% 1.05% 0.30%
Combined 2001 3.37% 0.80% 0.30%
Basic 2001 3.11% 0.55% 0.30%
Full 3.79% 1.05% 0.30%
Combined 3.39% 0.80% 0.30%
Basic 3.23% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge Core Canadian Equity Corporate Fund
As of December 31, 2019
16
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.91% $14.96 49,628
Combined 2001 3.62% $15.81 17,889
Basic 2001 3.30% $16.87 20,424
Full 3.92% $14.96 477,864
Combined 3.55% $15.83 86,272
Basic 3.26% $16.88 71,714
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Cambridge Global Equity Corporate Class. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 13.18Facebook Inc 4.55Anthem Inc 4.48Alphabet Inc 4.45CBOE Holdings Inc 4.20Imperial Tobacco Group PLC 4.15Electronic Arts Inc 4.08Activision Blizzard Inc 4.07Athene Holding Ltd 3.94Linde PLC 3.89Total 50.99
Total number of investments: 31
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,002.36 in December 2019. This works out to an average of 7.19% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 60.65International Equity 25.03Cash and Equivalents 13.18Canadian Equity 1.14
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core foreign equity fund for their portfolio• are investing for the medium and/or long-term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Global Investments Inc. and CI Investments Inc.
December 2001 $11,094,654
5.42%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge Core Global Equity Corporate Fund
As of December 31, 2019
17
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.91% 1.15% 0.30%
Combined 2001 3.62% 0.90% 0.30%
Basic 2001 3.30% 0.60% 0.30%
Full 3.92% 1.15% 0.30%
Combined 3.55% 0.90% 0.30%
Basic 3.26% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge Core Global Equity Corporate Fund
As of December 31, 2019
18
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.25% $21.41 5,383
Combined 2001 4.00% $22.57 371
Basic 2001 3.40% $24.65 3,176
Full 4.43% $21.20 42,057
Combined 4.10% $22.54 4,141
Basic 3.66% $24.31 2,085
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Sentry U.S. Growth and Income Corporate Class (formerly CI American Equity Corporate Class). The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsAlphabet Inc 7.92Brookfield Asset Management Inc 7.75JPMorgan Chase & Co 7.11Berkshire Hathaway Inc 5.96MasterCard Inc 5.92Visa Inc 5.90Facebook Inc 4.12Cigna Corp 4.07Brookfield Infrastructure Partners LP 3.90Booking Holdings Inc 3.52Total 56.17
Total number of investments: 38
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $3,576.03 in December 2019. This works out to an average of 13.59% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value nine years and down in value one year.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 77.45Canadian Equity 8.64Income Trust Units 8.21International Equity 5.10Cash and Equivalents 0.60
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a U.S. equity fund that focuses on growth• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $1,237,473
5.27%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge Premier American Equity Corporate Class
As of December 31, 2019
19
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.25% 1.35% 0.30%
Combined 2001 4.00% 1.05% 0.30%
Basic 2001 3.40% 0.65% 0.30%
Full 4.43% 1.35% 0.30%
Combined 4.10% 1.05% 0.30%
Basic 3.66% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Cambridge Premier American Equity Corporate Class
As of December 31, 2019
20
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.62% $22.76 4,727
Combined 2001 3.47% $23.88 1,763
Basic 2001 3.02% $25.90 2,709
Full 3.73% $22.53 749
Combined 3.49% $23.74 723
Basic 3.05% $25.79 688
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI Canadian Investment Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 7.26Toronto-Dominion Bank 4.98Brookfield Asset Management Inc 4.95Royal Bank of Canada 4.91Bank of Nova Scotia 3.68Thomson Reuters Corp 3.44Humana Inc 3.40Dollarama Inc 3.29Booking Holdings Inc 3.11Autodesk Inc 3.07Total 42.09
Total number of investments: 38
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,704.91 in December 2019. This works out to an average of 5.48% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 45.63US Equity 41.98Cash and Equivalents 7.26Income Trust Units 3.85International Equity 1.28
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core Canadian equity fund • are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $271,616
5.35%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Canadian Equity Fund
As of December 31, 2019
21
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.62% 1.05% 0.30%
Combined 2001 3.47% 0.80% 0.30%
Basic 2001 3.02% 0.55% 0.30%
Full 3.73% 1.05% 0.30%
Combined 3.49% 0.80% 0.30%
Basic 3.05% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Canadian Equity Fund
As of December 31, 2019
22
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.72% $26.57 114,252
Combined 2001 3.37% $28.03 49,367
Basic 2001 3.16% $29.55 36,815
Full 3.72% $26.55 1,327,591
Combined 3.44% $27.92 216,776
Basic 3.16% $29.53 144,601
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI Canadian Investment Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 7.26Toronto-Dominion Bank 4.98Brookfield Asset Management Inc 4.95Royal Bank of Canada 4.91Bank of Nova Scotia 3.68Thomson Reuters Corp 3.44Humana Inc 3.40Dollarama Inc 3.29Booking Holdings Inc 3.11Autodesk Inc 3.07Total 42.09
Total number of investments: 38
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,674.45 in December 2019. This works out to an average of 5.29% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 45.63US Equity 41.98Cash and Equivalents 7.26Income Trust Units 3.85International Equity 1.28
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core Canadian equity fund • are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $51,080,758
5.65%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Canadian Investment Fund
As of December 31, 2019
23
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.72% 1.05% 0.30%
Combined 2001 3.37% 0.80% 0.30%
Basic 2001 3.16% 0.55% 0.30%
Full 3.72% 1.05% 0.30%
Combined 3.44% 0.80% 0.30%
Basic 3.16% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Canadian Investment Fund
As of December 31, 2019
24
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.78% $25.43 41,727
Combined 2001 2.56% $26.27 6,268
Basic 2001 2.34% $27.16 5,944
Full 2.81% $23.61 574
Combined 2.64% $26.16 620
Basic 2.42% $27.12 608
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Dividend Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 4.79Manulife Financial Corp 3.17Power Financial Corp 2.37Bank of Nova Scotia 1.95Enbridge Inc 1.46Novartis AG 1.22Microsoft Corp 1.13Merck & Co Inc 1.13BCE Inc 1.01Total SA 1.01Total 19.24
Total number of investments: 239
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,790.85 in December 2019. This works out to an average of 6.00% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 52.38US Equity 21.52International Equity 19.68Cash and Equivalents 4.79Foreign Bonds 1.53Income Trust Units 0.10
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to earn dividend income• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $1,433,483
5.16%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Dividend Fund
As of December 31, 2019
25
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.78% 0.45% 0.30%
Combined 2001 2.56% 0.40% 0.30%
Basic 2001 2.34% 0.30% 0.30%
Full 2.81% 0.45% 0.30%
Combined 2.64% 0.40% 0.30%
Basic 2.42% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Dividend Fund
As of December 31, 2019
26
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.50% $13.25 253
Combined 2001 2.35% $13.44 515
Basic 2001 2.29% $13.65 790
Full 2.43% $13.20 31,888
Combined 2.32% $13.48 5,809
Basic 2.25% $13.73 1,562
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Global Bond Fund. The underlying fund invests mostly in bonds from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsJapan Government 0.10% 20-Dec-2022 6.30United States Treasury 1.75% 15-Nov-2029 4.74Spain Government 0.05 % 31-Oct-2021 4.41United States Treasury 1.75% 15-Jul-2022 4.04Spain Government 0.45% 31-Oct-2022 3.30United States Treasury 1.75% 31-Jul-2021 3.25United States Treasury Note 1.63 % 30-Nov-2026 3.02United Kingdom Government 0.50% 22-Jul-2022 2.98United States Treasury 1.50% 31-Aug-2021 2.96Japan Government 0.30% 20-Jun-2039 2.95Total 37.95
Total number of investments: 162
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,293.89 in December 2019. This works out to an average of 2.61% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value six years and down in value four years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Foreign Bonds 93.66Domestic Bonds 2.58Other 2.01Cash and Equivalents 1.66US Equity 0.09
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to receive income• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $541,643
2.53%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Global Bond Fund
As of December 31, 2019
27
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.50% 0.30% 0.30%
Combined 2001 2.35% 0.20% 0.30%
Basic 2001 2.29% 0.15% 0.30%
Full 2.43% 0.30% 0.30%
Combined 2.32% 0.20% 0.30%
Basic 2.25% 0.15% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Global Bond Fund
As of December 31, 2019
28
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.89% $15.23 7,257
Combined 2001 3.54% $16.08 1,916
Basic 2001 3.13% $17.33 2,278
Full 3.93% $15.17 108,487
Combined 3.65% $16.00 14,844
Basic 3.29% $17.23 15,178
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Global Equity Corporate Class. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSPDR Gold Trust ETF (GLD) 4.13Cash and Equivalents 3.64Alibaba Group Holding Ltd 3.01Advanced Micro Devices Inc 2.62Microsoft Corp 2.55Sony Corp 2.11Apple Inc 1.87Samsung Electronics Co Ltd 1.74Marathon Petroleum Corp 1.66Amazon.com Inc 1.61Total 24.94
Total number of investments: 122
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,053.38 in December 2019. This works out to an average of 7.46% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 47.76International Equity 39.63Canadian Equity 4.84Other 4.13Cash and Equivalents 3.64
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core foreign equity fund• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $2,325,247
6.09%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Global Fund
As of December 31, 2019
29
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.89% 1.15% 0.30%
Combined 2001 3.54% 0.90% 0.30%
Basic 2001 3.13% 0.60% 0.30%
Full 3.93% 1.15% 0.30%
Combined 3.65% 0.90% 0.30%
Basic 3.29% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Global Fund
As of December 31, 2019
30
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.97% $13.77 7,752
Combined 2001 3.70% $14.61 4,427
Basic 2001 3.33% $15.54 2,471
Full 3.91% $13.83 105,003
Combined 3.66% $14.63 23,950
Basic 3.26% $15.57 13,951
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI Global Value Corporate Class. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 3.53Comcast Corp 2.86Astellas Pharma Inc 2.86Willis Towers Watson PLC 2.63GlaxoSmithKline PLC 2.61Zurich Insurance Group AG 2.52Sanofi SA 2.47Chubb Ltd 2.32Heineken NV 2.31Danone SA 2.22Total 26.33
Total number of investments: 76
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,076.42 in December 2019. This works out to an average of 7.58% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
International Equity 58.74US Equity 36.63Cash and Equivalents 3.53Canadian Equity 1.10
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to invest in foreign companies• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Altrinsic Global Advisors, LLC
December 2001 $2,229,697
7.85%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Global Value Fund
As of December 31, 2019
31
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.97% 1.15% 0.30%
Combined 2001 3.70% 0.90% 0.30%
Basic 2001 3.33% 0.60% 0.30%
Full 3.91% 1.15% 0.30%
Combined 3.66% 0.90% 0.30%
Basic 3.26% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Global Value Fund
As of December 31, 2019
32
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.74% $20.90 68,130
Combined 2001 3.43% $22.14 22,961
Basic 2001 3.24% $23.40 18,029
Full 3.74% $20.90 782,797
Combined 3.41% $22.16 123,670
Basic 3.15% $23.45 81,648
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Harbour Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 7.13Toronto-Dominion Bank 4.99Brookfield Asset Management Inc 4.95Royal Bank of Canada 4.90Bank of Nova Scotia 3.69Thomson Reuters Corp 3.47Humana Inc 3.44Dollarama Inc 3.26Booking Holdings Inc 3.12Microsoft Corp 3.07Total 42.02
Total number of investments: 38
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,295.15 in December 2019. This works out to an average of 2.62% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value six years and down in value four years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 45.60US Equity 42.10Cash and Equivalents 7.13Income Trust Units 3.89International Equity 1.28
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core Canadian equity fund• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $23,371,593
3.91%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Harbour Fund(as of April 2020 SunWise CI Premier Canadian Investment Fund) As of December 31, 2019
33
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.74% 1.05% 0.30%
Combined 2001 3.43% 0.80% 0.30%
Basic 2001 3.24% 0.55% 0.30%
Full 3.74% 1.05% 0.30%
Combined 3.41% 0.80% 0.30%
Basic 3.15% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Harbour Fund(as of April 2020 SunWise CI Premier Canadian Investment Fund) As of December 31, 2019
34
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.96% $17.14 470
Combined 2001 3.66% $19.58 798
Basic 2001 3.33% $21.01 882
Full 3.93% $17.18 82,451
Combined 3.62% $19.57 4,105
Basic 3.29% $20.98 8,761
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI International Value Fund. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsAstellas Pharma Inc 3.24GlaxoSmithKline PLC 3.14Tokio Marine Holdings Inc 3.04Willis Towers Watson PLC 3.00Cash and Equivalents 2.86Danone SA 2.86Aon PLC 2.86Zurich Insurance Group AG 2.80Heineken NV 2.79Sanofi SA 2.58Total 29.17
Total number of investments: 63
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,674.45 in December 2019. This works out to an average of 5.29% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
International Equity 91.03US Equity 4.93Cash and Equivalents 2.86Canadian Equity 1.18
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core foreign equity fund• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $1,722,868
3.09%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI International Fund
As of December 31, 2019
35
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.96% 1.15% 0.30%
Combined 2001 3.66% 0.90% 0.30%
Basic 2001 3.33% 0.60% 0.30%
Full 3.93% 1.15% 0.30%
Combined 3.62% 0.90% 0.30%
Basic 3.29% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI International Fund
As of December 31, 2019
36
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.09% $14.75 3,604
Combined 2001 3.79% $15.68 1,018
Basic 2001 3.23% $17.04 2,028
Full 3.99% $14.77 57,523
Combined 3.61% $15.73 6,353
Basic 3.30% $16.95 2,652
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI International Value Corporate Class. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 4.33Astellas Pharma Inc 3.20GlaxoSmithKline PLC 3.09Tokio Marine Holdings Inc 2.99Willis Towers Watson PLC 2.95Danone SA 2.82Aon PLC 2.81Zurich Insurance Group AG 2.76Heineken NV 2.75Sanofi SA 2.55Total 30.25
Total number of investments: 63
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,747.40 in December 2019. This works out to an average of 5.74% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
International Equity 89.65US Equity 4.85Cash and Equivalents 4.33Canadian Equity 1.17
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to invest in foreign companies• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Altrinsic Global Advisors, LLC
December 2001 $1,098,315
6.67%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI International Value Fund
As of December 31, 2019
37
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.09% 1.25% 0.30%
Combined 2001 3.79% 1.00% 0.30%
Basic 2001 3.23% 0.65% 0.30%
Full 3.99% 1.25% 0.30%
Combined 3.61% 1.00% 0.30%
Basic 3.30% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI International Value Fund
As of December 31, 2019
38
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 1.34% $11.50 44,606
Combined 2001 1.23% $11.69 4,998
Basic 2001 1.18% $11.78 9,131
Full 1.33% $11.49 355,252
Combined 1.20% $11.66 36,847
Basic 1.16% $11.78 105,213
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI Money Market Fund. The underlying fund invests mostly in short-term debt that matures in less than 365 days.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 98.70Canadian Imperial Bank Commrce 2.23 % 08-Dec-2020 1.30Total 100.00
Total number of investments: 2
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,021.20 in December 2019. This works out to an average of 0.21% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Cash and Equivalents 98.73Domestic Bonds 1.27
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to earn income • are investing for the short term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $6,430,289
224.62%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Money Market Fund
As of December 31, 2019
39
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.00% ISC: 0.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 1.34% 0.25% 0.30%
Combined 2001 1.23% 0.15% 0.30%
Basic 2001 1.18% 0.10% 0.30%
Full 1.33% 0.25% 0.30%
Combined 1.20% 0.15% 0.30%
Basic 1.16% 0.10% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Money Market Fund
As of December 31, 2019
40
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.14% $15.97 3,519
Combined 2001 3.86% $16.95 2,115
Basic 2001 3.31% $18.39 1,027
Full 4.12% $15.97 24,678
Combined 3.71% $17.03 10,754
Basic 3.40% $18.34 2,888
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI American Value Corporate Class. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsMicrosoft Corp 6.40Alphabet Inc 3.72Facebook Inc 3.71UnitedHealth Group Inc 2.65Centene Corp 2.52Broadcom Ltd 2.51Boeing Co 2.45Cash and Equivalents 2.31Bank of America Corp 2.24Pfizer Inc 2.15Total 30.66
Total number of investments: 59
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,803.81 in December 2019. This works out to an average of 10.86% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 89.16International Equity 6.95Cash and Equivalents 2.31Income Trust Units 1.58
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core U.S. equity fund• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Epoch Investment Partners, Inc.
December 2001 $741,293
8.36%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Premier American Value Corporate Fund
As of December 31, 2019
41
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.14% 1.35% 0.30%
Combined 2001 3.86% 1.05% 0.30%
Basic 2001 3.31% 0.65% 0.30%
Full 4.12% 1.35% 0.30%
Combined 3.71% 1.05% 0.30%
Basic 3.40% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Premier American Value Corporate Fund
As of December 31, 2019
42
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.43% $23.35 44,770
Combined 2001 3.07% $24.74 15,116
Basic 2001 2.94% $25.61 6,754
Full 3.50% $23.28 250,055
Combined 3.15% $24.67 59,802
Basic 2.96% $25.58 33,237
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Canadian Balanced Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsManulife Financial Corp 4.34Cash and Equivalents 4.02SPDR Gold Trust ETF (GLD) 4.00Bank of Nova Scotia 3.30Ontario Province 2.65% 02-Dec-2050 1.83Canada Government 2.25% 01-Jun-2029 1.82Suncor Energy Inc 1.81Ontario Province 2.60% 02-Jun-2025 1.79Quebec Province 2.50% 01-Sep-2026 1.73Quebec Province 3.10% 01-Dec-2051 1.47Total 26.11
Total number of investments: 419
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,570.89 in December 2019. This works out to an average of 4.62% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 36.00Canadian Equity 28.60International Equity 12.64US Equity 12.08Other 5.44Cash and Equivalents 4.02Foreign Bonds 1.22
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want both equity and fixed income securities in a single fund
and prefer to have the portfolio advisor make the asset mix decisions
• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $9,738,165
3.96%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Canadian Balanced Fund
As of December 31, 2019
43
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.43% 0.80% 0.30%
Combined 2001 3.07% 0.50% 0.30%
Basic 2001 2.94% 0.30% 0.30%
Full 3.50% 0.80% 0.30%
Combined 3.15% 0.50% 0.30%
Basic 2.96% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Canadian Balanced Fund
As of December 31, 2019
44
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.36% $15.85 10,505
Combined 2001 2.26% $16.09 285
Basic 2001 2.21% $0.00 0
Full 2.36% $15.85 301,956
Combined 2.24% $16.10 53,110
Basic 2.19% $16.25 27,075
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Canadian Bond Fund. The underlying fund invests mostly in Canadian bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsOntario Province 2.60% 02-Jun-2025 4.56Ontario Province 2.65% 02-Dec-2050 4.50Quebec Province 2.50% 01-Sep-2026 4.44Canada Government 2.25% 01-Jun-2029 3.66Canada Government 1.50% 01-Sep-2024 3.46Cash and Equivalents 2.99Ontario Province 3.50% 02-Jun-2024 2.67Canada Government 1.50% 01-Aug-2021 2.42Ontario Province 2.90% 02-Jun-2049 2.31Quebec Province 2.75% 01-Sep-2025 2.29Total 33.30
Total number of investments: 333
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,281.33 in December 2019. This works out to an average of 2.51% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 90.82Foreign Bonds 3.48Cash and Equivalents 2.99Other 2.71
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to receive income• are investing for the short and/or medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $6,250,876
8.01%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Canadian Bond Fund
As of December 31, 2019
45
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.36% 0.30% 0.30%
Combined 2001 2.26% 0.20% 0.30%
Basic 2001 2.21% 0.15% 0.30%
Full 2.36% 0.30% 0.30%
Combined 2.24% 0.20% 0.30%
Basic 2.19% 0.15% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Canadian Bond Fund
As of December 31, 2019
46
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.58% $16.12 20,076
Combined 2001 2.38% $16.72 9,225
Basic 2001 2.25% $17.10 9,714
Full 2.61% $16.02 677
Combined 2.38% $16.58 667
Basic 2.22% $17.07 657
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Canadian Bond Fund. The underlying fund invests mostly in Canadian bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsOntario Province 2.60% 02-Jun-2025 4.56Ontario Province 2.65% 02-Dec-2050 4.50Quebec Province 2.50% 01-Sep-2026 4.44Canada Government 2.25% 01-Jun-2029 3.66Canada Government 1.50% 01-Sep-2024 3.46Cash and Equivalents 2.99Ontario Province 3.50% 02-Jun-2024 2.67Canada Government 1.50% 01-Aug-2021 2.42Ontario Province 2.90% 02-Jun-2049 2.31Quebec Province 2.75% 01-Sep-2025 2.29Total 33.30
Total number of investments: 333
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,275.10 in December 2019. This works out to an average of 2.46% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 90.82Foreign Bonds 3.48Cash and Equivalents 2.99Other 2.71
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to receive income• are investing for the short and/or medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $677,007
4.30%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Canadian Premier Bond Fund
As of December 31, 2019
47
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.58% 0.30% 0.30%
Combined 2001 2.38% 0.20% 0.30%
Basic 2001 2.25% 0.15% 0.30%
Full 2.61% 0.30% 0.30%
Combined 2.38% 0.20% 0.30%
Basic 2.22% 0.15% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Canadian Premier Bond Fund
As of December 31, 2019
48
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.59% $25.08 36,271
Combined 2001 2.50% $25.28 13,738
Basic 2001 2.42% $25.62 6,403
Full 2.61% $25.06 1,224,814
Combined 2.53% $25.29 258,709
Basic 2.39% $25.66 94,922
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Dividend Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 4.79Manulife Financial Corp 3.17Power Financial Corp 2.37Bank of Nova Scotia 1.95Enbridge Inc 1.46Novartis AG 1.22Microsoft Corp 1.13Merck & Co Inc 1.13BCE Inc 1.01Total SA 1.01Total 19.24
Total number of investments: 239
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,787.47 in December 2019. This works out to an average of 5.98% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 52.38US Equity 21.52International Equity 19.68Cash and Equivalents 4.79Foreign Bonds 1.53Income Trust Units 0.10
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to earn dividend income• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $41,098,475
5.52%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Dividend Fund
As of December 31, 2019
49
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.59% 0.45% 0.30%
Combined 2001 2.50% 0.40% 0.30%
Basic 2001 2.42% 0.30% 0.30%
Full 2.61% 0.45% 0.30%
Combined 2.53% 0.40% 0.30%
Basic 2.39% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Dividend Fund
As of December 31, 2019
50
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.44% $15.15 31,729
Combined 2001 3.23% $15.91 4,078
Basic 2001 3.01% $16.52 3,250
Full 3.51% $15.11 298,813
Combined 3.04% $16.00 66,333
Basic 3.00% $16.54 23,197
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Global Income & Growth Corporate Class. The underlying fund invests mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSPDR Gold Trust ETF (GLD) 3.84Cash and Equivalents 3.69United States Treasury Note 1.63 % 30-Nov-2026 2.48United States Treasury 2.38% 15-Nov-2049 2.43United States Treasury 1.75% 15-Nov-2029 2.03United States Treasury 1.50% 30-Sep-2021 2.00Alibaba Group Holding Ltd 1.72iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) 1.49United States Treasury 2.50% 28-Feb-2021 1.48Advanced Micro Devices Inc 1.45Total 22.61
Total number of investments: 533
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,854.35 in December 2019. This works out to an average of 6.37% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Foreign Bonds 35.03US Equity 29.97International Equity 23.10Other 4.63Cash and Equivalents 3.69Canadian Equity 2.76Domestic Bonds 0.82
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want both foreign equity and fixed income securities in a single
fund and prefer to have the portfolio advisor make the asset mix decisions
• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $6,559,736
19.24%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Global Income & Growth Corporate Class
As of December 31, 2019
51
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.44% 0.80% 0.30%
Combined 2001 3.23% 0.50% 0.30%
Basic 2001 3.01% 0.30% 0.30%
Full 3.51% 0.80% 0.30%
Combined 3.04% 0.50% 0.30%
Basic 3.00% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Global Income & Growth Corporate Class
As of December 31, 2019
52
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.58% $19.57 47,879
Combined 2001 3.04% $20.77 7,866
Basic 2001 2.94% $21.53 7,464
Full 3.51% $19.59 457,406
Combined 3.10% $20.90 75,525
Basic 2.92% $21.56 24,737
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Global Income & Growth Fund. The underlying fund invests mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSPDR Gold Trust ETF (GLD) 3.84Cash and Equivalents 3.69United States Treasury Note 1.63 % 30-Nov-2026 2.48United States Treasury 2.38% 15-Nov-2049 2.43United States Treasury 1.75% 15-Nov-2029 2.03United States Treasury 1.50% 30-Sep-2021 2.00Alibaba Group Holding Ltd 1.72iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) 1.49United States Treasury 2.50% 28-Feb-2021 1.48Advanced Micro Devices Inc 1.45Total 22.61
Total number of investments: 533
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,831.81 in December 2019. This works out to an average of 6.24% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Foreign Bonds 35.03US Equity 29.97International Equity 23.10Other 4.83Cash and Equivalents 3.69Canadian Equity 2.76Domestic Bonds 0.82
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want both foreign equity and fixed income securities in a single
fund and prefer to have the portfolio advisor make the asset mix decisions
• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $12,333,758
11.97%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Global Income & Growth Fund
As of December 31, 2019
53
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.58% 0.80% 0.30%
Combined 2001 3.04% 0.50% 0.30%
Basic 2001 2.94% 0.30% 0.30%
Full 3.51% 0.80% 0.30%
Combined 3.10% 0.50% 0.30%
Basic 2.92% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Global Income & Growth Fund
As of December 31, 2019
54
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.76% $33.09 102,222
Combined 2001 2.47% $34.57 27,791
Basic 2001 2.34% $35.50 20,040
Full 2.73% $33.15 1,556,317
Combined 2.51% $34.42 307,811
Basic 2.33% $35.50 104,395
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature High Income Fund. The underlying fund invests mostly in shares and Canadian bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 6.18CI First Asset Global Financial Sector ETF (FSF) 3.03Brookfield Asset Management Inc 3.00United States Treasury 2.25% 15-Aug-2049 2.90Transurban Group 2.51Cheniere Energy Inc 2.25Allied Properties REIT 2.03Ferrovial SA 1.85Williams Cos Inc 1.80American Homes 4 Rent 1.74Total 27.29
Total number of investments: 370
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,792.54 in December 2019. This works out to an average of 6.01% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Foreign Bonds 33.54US Equity 22.89Canadian Equity 14.24International Equity 9.57Income Trust Units 8.28Cash and Equivalents 6.18Domestic Bonds 5.30
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to receive income• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $70,941,155
4.76%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature High Income Fund
As of December 31, 2019
55
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.76% 0.65% 0.30%
Combined 2001 2.47% 0.45% 0.30%
Basic 2001 2.34% 0.30% 0.30%
Full 2.73% 0.65% 0.30%
Combined 2.51% 0.45% 0.30%
Basic 2.33% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature High Income Fund
As of December 31, 2019
56
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.48% $20.54 76,408
Combined 2001 3.04% $21.61 15,635
Basic 2001 2.79% $22.37 31,034
Full 3.46% $20.54 925,254
Combined 3.12% $21.58 147,330
Basic 2.90% $22.18 71,783
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Income & Growth Fund. The underlying fund invests mostly in shares and bonds from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 5.09Manulife Financial Corp 4.26SPDR Gold Trust ETF (GLD) 3.93Bank of Nova Scotia 3.26Suncor Energy Inc 1.90Nestle SA 1.46Total SA 1.41Canadian Pacific Railway Ltd 1.28Sony Corp 1.24Advanced Micro Devices Inc 1.18Total 25.01
Total number of investments: 794
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,687.21 in December 2019. This works out to an average of 5.37% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 30.15Domestic Bonds 21.32US Equity 15.16International Equity 13.20Foreign Bonds 9.91Other 5.17Cash and Equivalents 5.09
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to receive a regular income• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
March 2005 $26,374,949
5.37%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Income & Growth Fund
As of December 31, 2019
57
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.48% 0.80% 0.30%
Combined 2001 3.04% 0.50% 0.30%
Basic 2001 2.79% 0.30% 0.30%
Full 3.46% 0.80% 0.30%
Combined 3.12% 0.50% 0.30%
Basic 2.90% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Income & Growth Fund
As of December 31, 2019
58
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.39% $22.95 10,518
Combined 2001 3.15% $24.34 2,273
Basic 2001 2.80% $25.28 406
Full 3.48% $22.82 124,654
Combined 3.12% $24.33 20,421
Basic 2.89% $25.24 9,030
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Canadian Balanced Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsManulife Financial Corp 4.34Cash and Equivalents 4.02SPDR Gold Trust ETF (GLD) 4.00Bank of Nova Scotia 3.30Ontario Province 2.65% 02-Dec-2050 1.83Canada Government 2.25% 01-Jun-2029 1.82Suncor Energy Inc 1.81Ontario Province 2.60% 02-Jun-2025 1.79Quebec Province 2.50% 01-Sep-2026 1.73Quebec Province 3.10% 01-Dec-2051 1.47Total 26.11
Total number of investments: 419
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,575.41 in December 2019. This works out to an average of 4.65% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 36.00Canadian Equity 28.60International Equity 12.64US Equity 12.08Other 5.44Cash and Equivalents 4.02Foreign Bonds 1.22
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want both equity and fixed income securities in a single fund
and prefer to have the portfolio advisor make the asset mix decisions
• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $3,876,811
3.37%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Premier Canadian Balanced Fund
As of December 31, 2019
59
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.39% 0.80% 0.30%
Combined 2001 3.15% 0.50% 0.30%
Basic 2001 2.80% 0.30% 0.30%
Full 3.48% 0.80% 0.30%
Combined 3.12% 0.50% 0.30%
Basic 2.89% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Premier Canadian Balanced Fund
As of December 31, 2019
60
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.45% $18.18 139,114
Combined 2001 3.13% $19.23 29,306
Basic 2001 2.89% $20.04 33,769
Full 3.46% $18.16 925,912
Combined 3.13% $19.24 148,426
Basic 2.88% $20.02 142,969
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Canadian Balanced Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsManulife Financial Corp 4.34Cash and Equivalents 4.02SPDR Gold Trust ETF (GLD) 4.00Bank of Nova Scotia 3.30Ontario Province 2.65% 02-Dec-2050 1.83Canada Government 2.25% 01-Jun-2029 1.82Suncor Energy Inc 1.81Ontario Province 2.60% 02-Jun-2025 1.79Quebec Province 2.50% 01-Sep-2026 1.73Quebec Province 3.10% 01-Dec-2051 1.47Total 26.11
Total number of investments: 419
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,231.00 in December 2019. This works out to an average of 2.10% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 36.00Canadian Equity 28.60International Equity 12.64US Equity 12.08Other 5.44Cash and Equivalents 4.02Foreign Bonds 1.22
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want both equity and fixed income securities in a single fund
and prefer to have the portfolio advisor make the asset mix decisions
• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc. & Marret Asset Management Inc.
December 2001 $26,300,356
96.59%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Premier II Canadian Balanced Fund(formerly SunWise CI Harbour Growth & Income Fund) As of December 31, 2019
61
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.45% 0.80% 0.30%
Combined 2001 3.13% 0.50% 0.30%
Basic 2001 2.89% 0.30% 0.30%
Full 3.46% 0.80% 0.30%
Combined 3.13% 0.50% 0.30%
Basic 2.88% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Premier II Canadian Balanced Fund(formerly SunWise CI Harbour Growth & Income Fund) As of December 31, 2019
62
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.48% $18.56 79,214
Combined 2001 3.08% $19.74 20,813
Basic 2001 2.96% $20.37 35,840
Full 3.50% $18.53 560,557
Combined 3.15% $19.65 163,950
Basic 2.93% $20.42 112,159
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Canadian Balanced Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsManulife Financial Corp 4.34Cash and Equivalents 4.02SPDR Gold Trust ETF (GLD) 4.00Bank of Nova Scotia 3.30Ontario Province 2.65% 02-Dec-2050 1.83Canada Government 2.25% 01-Jun-2029 1.82Suncor Energy Inc 1.81Ontario Province 2.60% 02-Jun-2025 1.79Quebec Province 2.50% 01-Sep-2026 1.73Quebec Province 3.10% 01-Dec-2051 1.47Total 26.11
Total number of investments: 419
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,554.46 in December 2019. This works out to an average of 4.51% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 36.00Canadian Equity 28.60International Equity 12.64US Equity 12.08Other 5.44Cash and Equivalents 4.02Foreign Bonds 1.22
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want both equity and fixed income securities in a single fund
and prefer to have the portfolio advisor make the asset mix decisions
• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $18,509,390
5.20%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Select Canadian Balanced Fund
As of December 31, 2019
63
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.48% 0.80% 0.30%
Combined 2001 3.08% 0.50% 0.30%
Basic 2001 2.96% 0.30% 0.30%
Full 3.50% 0.80% 0.30%
Combined 3.15% 0.50% 0.30%
Basic 2.93% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Select Canadian Balanced Fund
As of December 31, 2019
64
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.78% $28.42 38,804
Combined 2001 3.41% $30.24 13,753
Basic 2001 3.13% $31.97 10,426
Full 3.78% $28.44 529,513
Combined 3.47% $30.14 84,494
Basic 3.16% $31.88 49,435
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Select Canadian Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsManulife Financial Corp 7.41Bank of Nova Scotia 5.78Cash and Equivalents 4.45Suncor Energy Inc 3.44SPDR Gold Trust ETF (GLD) 2.96Total SA 2.40Canadian Pacific Railway Ltd 2.20Sony Corp 2.12Advanced Micro Devices Inc 2.07Agnico Eagle Mines Ltd 1.88Total 34.71
Total number of investments: 113
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,737.51 in December 2019. This works out to an average of 5.68% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 50.39International Equity 22.20US Equity 19.24Cash and Equivalents 4.45Other 2.96Income Trust Units 0.76
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a Canadian equity fund for their portfolio• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $21,032,190
6.03%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Select Canadian Fund
As of December 31, 2019
65
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.78% 1.05% 0.30%
Combined 2001 3.41% 0.80% 0.30%
Basic 2001 3.13% 0.55% 0.30%
Full 3.78% 1.05% 0.30%
Combined 3.47% 0.80% 0.30%
Basic 3.16% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Select Canadian Fund
As of December 31, 2019
66
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.53% $21.25 25,462
Combined 2001 3.14% $22.51 3,014
Basic 2001 3.00% $23.16 7,987
Full 3.51% $21.26 413,439
Combined 3.18% $22.50 96,028
Basic 2.94% $23.20 39,295
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Global Income & Growth Corporate Class. The underlying fund invests mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSPDR Gold Trust ETF (GLD) 3.84Cash and Equivalents 3.69United States Treasury Note 1.63 % 30-Nov-2026 2.48United States Treasury 2.38% 15-Nov-2049 2.43United States Treasury 1.75% 15-Nov-2029 2.03United States Treasury 1.50% 30-Sep-2021 2.00Alibaba Group Holding Ltd 1.72iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) 1.49United States Treasury 2.50% 28-Feb-2021 1.48Advanced Micro Devices Inc 1.45Total 22.61
Total number of investments: 533
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,854.35 in December 2019. This works out to an average of 6.37% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Foreign Bonds 35.03US Equity 29.97International Equity 23.10Other 4.63Cash and Equivalents 3.69Canadian Equity 2.76Domestic Bonds 0.82
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want both foreign equity and fixed income in a single fund and
prefer to have the portfolio advisor make the asset mix decisions• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $12,656,114
7.31%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Select Global Income & Growth Corporate Fund
As of December 31, 2019
67
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.53% 0.80% 0.30%
Combined 2001 3.14% 0.50% 0.30%
Basic 2001 3.00% 0.30% 0.30%
Full 3.51% 0.80% 0.30%
Combined 3.18% 0.50% 0.30%
Basic 2.94% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Select Global Income & Growth Corporate Fund
As of December 31, 2019
68
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.54% $11.94 6,963
Combined 2001 2.37% $12.39 374
Basic 2001 2.20% $12.70 241
Full 2.61% $11.84 827
Combined 2.37% $12.21 816
Basic 2.22% $12.64 798
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Signature Short-Term Bond Fund. The underlying fund invests mostly in Canadian short-term bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsQuebec Province 3.50% 01-Dec-2022 5.84Ontario Province 1.35% 08-Mar-2022 5.41Quebec Province 4.25% 01-Dec-2021 4.97Cash and Equivalents 4.42Canada Government 1.50% 01-Sep-2024 2.97VW Credit Canada Inc 3.25% 29-Mar-2023 2.55Canada Government 1.50% 01-Aug-2021 2.54Canada Housing Trust No 1 1.80% 15-Dec-2024 2.50Manulife Bank of Canada 2.84% 12-Jan-2023 2.27Bank of America Corp 2.60 % 15-Mar-2022 2.14Total 35.61
Total number of investments: 82
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,041.76 in December 2019. This works out to an average of 0.41% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value six years and down in value four years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 91.39Cash and Equivalents 4.42Other 4.19
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to receive income• are investing for the short term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $120,656
5.72%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Short-Term Bond Fund
As of December 31, 2019
69
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.54% 0.30% 0.30%
Combined 2001 2.37% 0.20% 0.30%
Basic 2001 2.20% 0.15% 0.30%
Full 2.61% 0.30% 0.30%
Combined 2.37% 0.20% 0.30%
Basic 2.22% 0.15% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Signature Short-Term Bond Fund
As of December 31, 2019
70
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.18% $25.84 782
Combined 2001 3.84% $28.06 891
Basic 2001 3.39% $0.00 0
Full 4.16% $25.86 19,646
Combined 3.70% $28.14 3,521
Basic 3.24% $30.21 332
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Synergy American Fund. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsMicrosoft Corp 4.85Apple Inc 4.62Cash and Equivalents 4.45Zoetis Inc 2.62Amazon.com Inc 2.60JPMorgan Chase & Co 2.58MasterCard Inc 2.58Bank of America Corp 2.56Abbott Laboratories 2.30Alphabet Inc 2.21Total 31.37
Total number of investments: 80
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,788.67 in December 2019. This works out to an average of 10.80% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 91.38Cash and Equivalents 4.45International Equity 2.43Income Trust Units 1.04Canadian Equity 0.70
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to invest in North American equity securities with high
growth potential• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Picton Mahoney Asset Management
January 2003 $662,444
2.48%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Synergy American Fund
As of December 31, 2019
71
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.18% 1.35% 0.30%
Combined 2001 3.84% 1.05% 0.30%
Basic 2001 3.39% 0.65% 0.30%
Full 4.16% 1.35% 0.30%
Combined 3.70% 1.05% 0.30%
Basic 3.24% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Synergy American Fund
As of December 31, 2019
72
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.73% $21.22 1,461
Combined 2001 3.55% $23.32 517
Basic 2001 3.26% $24.17 667
Full 3.75% $21.22 39,045
Combined 3.47% $23.38 5,860
Basic 3.25% $24.19 8,581
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Synergy Canadian Corporate Class. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 6.67Toronto-Dominion Bank 4.05Royal Bank of Canada 4.01Canadian Pacific Railway Ltd 2.79Brookfield Asset Management Inc 2.50Element Financial Corp 1.79Sun Life Financial Inc 1.74Bank of Montreal 1.66Microsoft Corp 1.64TC Energy Corp 1.62Total 28.47
Total number of investments: 195
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,730.95 in December 2019. This works out to an average of 5.64% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 44.46US Equity 26.71International Equity 18.96Cash and Equivalents 6.67Income Trust Units 3.20
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core Canadian equity fund for their portfolio• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Picton Mahoney Asset Management
June 2004 $1,232,183
5.09%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Synergy Canadian Fund
As of December 31, 2019
73
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.73% 1.05% 0.30%
Combined 2001 3.55% 0.80% 0.30%
Basic 2001 3.26% 0.55% 0.30%
Full 3.75% 1.05% 0.30%
Combined 3.47% 0.80% 0.30%
Basic 3.25% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Synergy Canadian Fund
As of December 31, 2019
74
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.95% $16.55 7,934
Combined 2001 3.64% $17.54 3,609
Basic 2001 3.26% $18.76 8,956
Full 3.92% $16.56 72,137
Combined 3.57% $17.49 10,878
Basic 3.30% $18.71 11,515
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Synergy Global Corporate Class. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 5.13Microsoft Corp 3.42Apple Inc 3.27Zoetis Inc 1.85MasterCard Inc 1.83JPMorgan Chase & Co 1.82Bank of America Corp 1.81Amazon.com Inc 1.76Abbott Laboratories 1.62NextEra Energy Inc 1.56Total 24.07
Total number of investments: 155
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,250.59 in December 2019. This works out to an average of 8.45% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 64.71International Equity 28.93Cash and Equivalents 5.13Income Trust Units 0.73Canadian Equity 0.50
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to add global momentum to a diversified portfolio• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Picton Mahoney Asset Management
December 2001 $1,962,772
11.76%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Synergy Global Corporate Class
As of December 31, 2019
75
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.95% 1.15% 0.30%
Combined 2001 3.64% 0.90% 0.30%
Basic 2001 3.26% 0.60% 0.30%
Full 3.92% 1.15% 0.30%
Combined 3.57% 0.90% 0.30%
Basic 3.30% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI Synergy Global Corporate Class
As of December 31, 2019
76
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.97% $15.17 839
Combined 2001 3.68% $16.23 945
Basic 2001 3.15% $17.48 12,446
Full 3.96% $15.36 58,788
Combined 3.65% $16.26 2,873
Basic 3.29% $17.36 3,676
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the CI Global Value Corporate Class. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCash and Equivalents 3.53Comcast Corp 2.86Astellas Pharma Inc 2.86Willis Towers Watson PLC 2.63GlaxoSmithKline PLC 2.61Zurich Insurance Group AG 2.52Sanofi SA 2.47Chubb Ltd 2.32Heineken NV 2.31Danone SA 2.22Total 26.33
Total number of investments: 76
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,074.49 in December 2019. This works out to an average of 7.57% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
International Equity 58.74US Equity 36.63Cash and Equivalents 3.53Canadian Equity 1.10
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a core foreign equity fund• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Altrinsic Global Advisors, LLC
December 2001 $1,259,043
6.65%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI World Equity Fund
As of December 31, 2019
77
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.97% 1.15% 0.30%
Combined 2001 3.68% 0.90% 0.30%
Basic 2001 3.15% 0.60% 0.30%
Full 3.96% 1.15% 0.30%
Combined 3.65% 0.90% 0.30%
Basic 3.29% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise CI World Equity Fund
As of December 31, 2019
78
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.60% $21.30 69,482
Combined 2001 3.18% $22.74 12,553
Basic 2001 3.02% $23.47 25,296
Full 3.62% $21.27 486,170
Combined 3.19% $22.67 125,550
Basic 2.97% $23.52 131,276
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Fidelity Canadian Asset Allocation Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsFidelity Canadian Money Market Investment Trust 4.48Royal Bank of Canada 3.77Toronto-Dominion Bank 3.35iShares Gold Trust (IAU) 3.05TransCanada Corp 2.35Metro Inc 2.19Suncor Energy Inc 2.04Brookfield Asset Management Inc 1.98Alimentation Couche-Tard Inc 1.86George Weston Ltd 1.86Total 26.93
Total number of investments: 825
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,460.44 in December 2019. This works out to an average of 3.86% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 48.52Domestic Bonds 26.77US Equity 7.90Cash and Equivalents 5.56International Equity 5.37Other 4.01Income Trust Units 1.87
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want the convenience of a diversified portfolio in a single fund• are investing for the long-term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Fidelity Investments Canada ULC
December 2001 $18,635,700
5.53%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity Canadian Asset Allocation Fund
As of December 31, 2019
79
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.60% 0.80% 0.30%
Combined 2001 3.18% 0.50% 0.30%
Basic 2001 3.02% 0.30% 0.30%
Full 3.62% 0.80% 0.30%
Combined 3.19% 0.50% 0.30%
Basic 2.97% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity Canadian Asset Allocation Fund
As of December 31, 2019
80
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.64% $17.10 17,137
Combined 2001 3.38% $18.03 946
Basic 2001 3.19% $18.69 6,584
Full 3.69% $16.98 147,182
Combined 3.27% $18.16 18,238
Basic 3.11% $18.79 9,392
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Fidelity Global Asset Allocation Fund. The underlying fund invests mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsFidelity Canadian Money Market Investment Trust 5.79iShares Core S&P 500 Index ETF (IVV) 5.58iShares Core MSCI Emerging Markets ETF (IEMG) 4.36iShares Core MSCI Europe ETF (IEUR) 3.90iShares MSCI Japan ETF (EWJ) 2.97Consumer Discretionary Select Sector SPDR ETF (XLY) 1.87Financial Select Sector SPDR Fund ETF 1.85iShares Core S&P/TSX Capped Composite Index ETF (XIC) 1.69Cash and Equivalents 1.67Industrial Select Sector SPDR Fund ETF (XLI) 1.67Total 31.35
Total number of investments: 857
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,830.09 in December 2019. This works out to an average of 6.23% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 34.62International Equity 30.12Foreign Bonds 22.07Cash and Equivalents 8.66Canadian Equity 3.94Domestic Bonds 0.62Other -0.03
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want the convenience of a diversified portfolio in a single fund• want a long-term investment.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Fidelity Investments Canada ULC
December 2001 $3,440,098
11.25%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity Global Asset Allocation Fund
As of December 31, 2019
81
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.64% 0.80% 0.30%
Combined 2001 3.38% 0.50% 0.30%
Basic 2001 3.19% 0.30% 0.30%
Full 3.69% 0.80% 0.30%
Combined 3.27% 0.50% 0.30%
Basic 3.11% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity Global Asset Allocation Fund
As of December 31, 2019
82
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.02% $16.13 7,951
Combined 2001 3.63% $17.15 1,526
Basic 2001 3.33% $18.24 5,402
Full 4.00% $16.13 116,043
Combined 3.70% $16.92 17,222
Basic 3.36% $18.23 11,565
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Fidelity Global Fund. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsAlphabet Inc 2.98Microsoft Corp 2.95JPMorgan Chase & Co 2.57Apple Inc 2.52Charter Communications Inc 2.05Royal Dutch Shell PLC 1.82Airbus Group NV 1.72HCA Holdings Inc 1.67TDK Corp 1.61Vinci SA 1.59Total 21.48
Total number of investments: 109
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,294.55 in December 2019. This works out to an average of 8.66% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 50.39International Equity 48.36Cash and Equivalents 0.72Income Trust Units 0.53
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to add a core foreign equity fund• are investing for the long-term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Fidelity Investments Canada ULC
December 2001 $2,626,791
3.98%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity International Portfolio Fund
As of December 31, 2019
83
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.02% 1.15% 0.30%
Combined 2001 3.63% 0.90% 0.30%
Basic 2001 3.33% 0.60% 0.30%
Full 4.00% 1.15% 0.30%
Combined 3.70% 0.90% 0.30%
Basic 3.36% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity International Portfolio Fund
As of December 31, 2019
84
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.04% $18.13 19,814
Combined 2001 3.70% $18.91 8,510
Basic 2001 3.39% $19.97 6,895
Full 4.02% $18.13 234,199
Combined 3.67% $18.92 52,477
Basic 3.33% $19.97 35,549
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Fidelity NorthStar® Fund. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsFidelity U.S. Money Market Investment Trust 6.85Ottogi Corp 3.15Imperial Brands PLC 2.32SPDR Gold Trust ETF (GLD) 2.29Anthem Inc 2.26Microsoft Corp 1.97Gilead Sciences Inc 1.59Hon Hai Precision Industry Co Ltd 1.47Apple Inc 1.36Alphabet Inc 1.25Total 24.51
Total number of investments: 604
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $2,088.03 in December 2019. This works out to an average of 7.64% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
International Equity 56.77US Equity 30.70Cash and Equivalents 7.99Other 2.30Canadian Equity 2.20Domestic Bonds 0.02Income Trust Units 0.02
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a foreign equity fund • are investing for the long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Fidelity Investments Canada ULC
March 2005 $6,606,484
3.69%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity NorthStar® Fund
As of December 31, 2019
85
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.04% 1.15% 0.30%
Combined 2001 3.70% 0.90% 0.30%
Basic 2001 3.39% 0.60% 0.30%
Full 4.02% 1.15% 0.30%
Combined 3.67% 0.90% 0.30%
Basic 3.33% 0.60% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity NorthStar® Fund
As of December 31, 2019
86
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.85% $26.15 30,727
Combined 2001 3.46% $28.15 8,241
Basic 2001 3.32% $29.48 7,613
Full 3.90% $26.03 359,664
Combined 3.55% $27.85 62,554
Basic 3.30% $29.50 26,672
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Fidelity True North® Fund. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsRoyal Bank of Canada 5.61Toronto-Dominion Bank 5.48Alimentation Couche-Tard Inc 4.18Suncor Energy Inc 3.79Enbridge Inc 3.74BCE Inc 3.65Canadian National Railway Co 3.51Metro Inc 3.46CGI Group Inc 3.32Fidelity Canadian Money Market Investment Trust 3.29Total 40.03
Total number of investments: 90
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,765.67 in December 2019. This works out to an average of 5.85% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 86.02US Equity 3.37Cash and Equivalents 3.31International Equity 2.94Income Trust Units 2.15Other 1.46Domestic Bonds 0.22
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to add a Canadian equity fund• are investing for the long-term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Fidelity Investments Canada ULC
December 2001 $13,150,434
5.03%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity True North® Fund
As of December 31, 2019
87
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.85% 1.05% 0.30%
Combined 2001 3.46% 0.80% 0.30%
Basic 2001 3.32% 0.55% 0.30%
Full 3.90% 1.05% 0.30%
Combined 3.55% 0.80% 0.30%
Basic 3.30% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity True North® Fund
As of December 31, 2019
88
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 4.01% $16.83 9,008
Combined 2001 3.66% $17.98 102
Basic 2001 3.49% $18.87 1,015
Full 4.22% $16.55 26,986
Combined 3.80% $17.76 4,387
Basic 3.39% $19.07 4,997
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Fidelity U.S. Focused Stock Fund. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsMicrosoft Corp 5.86Apple Inc 4.95Adobe Systems Inc 4.40Alphabet Inc 4.36UnitedHealth Group Inc 4.03Bank of America Corp 4.02Facebook Inc 3.76MasterCard Inc 3.59JPMorgan Chase & Co 3.56Accenture PLC 3.44Total 41.97
Total number of investments: 50
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $3,264.68 in December 2019. This works out to an average of 12.56% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 90.19International Equity 7.93Canadian Equity 1.22Cash and Equivalents 0.66
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to add growth potential of U.S. companies• are investing for the long-term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Fidelity Investments Canada ULC
December 2001 $792,491
0.28%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity U.S. Focused Stock Fund
As of December 31, 2019
89
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 4.01% 1.35% 0.30%
Combined 2001 3.66% 1.05% 0.30%
Basic 2001 3.49% 0.65% 0.30%
Full 4.22% 1.35% 0.30%
Combined 3.80% 1.05% 0.30%
Basic 3.39% 0.65% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Fidelity U.S. Focused Stock Fund
As of December 31, 2019
90
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.80% $17.46 16,876
Combined 2001 3.43% $18.45 622
Basic 2001 3.25% $19.19 1,717
Full 3.79% $17.41 134,579
Combined 3.45% $18.51 18,189
Basic 3.23% $19.22 16,574
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Mackenzie Cundill Canadian Balanced Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCitigroup Inc 3.43Bank of America Corp 3.38Bank of Nova Scotia 2.90Mackenzie Global Credit Opportunities Fund 2.80Enbridge Inc 2.72Brookfield Asset Management Inc 2.69Suncor Energy Inc 2.49Ontario Province 2.90% 02-Jun-2049 2.44Canadian National Railway Co 2.37Nutrien Ltd 1.92Total 27.14
Total number of investments: 371
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,493.10 in December 2019. This works out to an average of 4.09% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 35.80Domestic Bonds 20.76US Equity 16.46Foreign Bonds 12.98International Equity 9.85Income Trust Units 2.20Other 1.95
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a balance of capital gains and income• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Mackenzie Financial Corporation
December 2001 $3,337,670
5.77%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Mackenzie Cundill Canadian Balanced Fund
As of December 31, 2019
91
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.80% 0.80% 0.30%
Combined 2001 3.43% 0.50% 0.30%
Basic 2001 3.25% 0.30% 0.30%
Full 3.79% 0.80% 0.30%
Combined 3.45% 0.50% 0.30%
Basic 3.23% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Mackenzie Cundill Canadian Balanced Fund
As of December 31, 2019
92
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.85% $17.79 3,814
Combined 2001 3.87% $18.59 803
Basic 2001 3.52% $19.64 3,371
Full 4.08% $17.60 87,257
Combined 3.70% $18.70 9,911
Basic 3.49% $19.65 14,247
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Mackenzie Cundill Canadian Security Fund. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCitigroup Inc 5.46Bank of America Corp 5.39Bank of Nova Scotia 4.53Brookfield Asset Management Inc 4.24Enbridge Inc 4.10Suncor Energy Inc 4.01Canadian National Railway Co 3.73Nutrien Ltd 3.04SNC-Lavalin Group Inc 3.02Celestica Inc 2.56Total 40.08
Total number of investments: 57
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,561.91 in December 2019. This works out to an average of 4.56% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value seven years and down in value three years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 54.73US Equity 26.53International Equity 15.36Income Trust Units 3.56Cash and Equivalents -0.18
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want to add a Canadian equity fund• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:Mackenzie Financial Corporation
December 2001 $2,149,774
2.34%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Mackenzie Cundill Canadian Security Fund
As of December 31, 2019
93
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.85% 1.05% 0.30%
Combined 2001 3.87% 0.80% 0.30%
Basic 2001 3.52% 0.55% 0.30%
Full 4.08% 1.05% 0.30%
Combined 3.70% 0.80% 0.30%
Basic 3.49% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Mackenzie Cundill Canadian Security Fund
As of December 31, 2019
94
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.52% $20.56 123,312
Combined 2001 3.03% $22.09 26,865
Basic 2001 2.87% $22.86 52,207
Full 3.49% $20.59 2,045,227
Combined 3.11% $22.02 382,969
Basic 2.85% $22.86 296,498
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Balanced Fund. The underlying fund invests mostly in shares and bonds from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSignature Canadian Bond Fund 13.34Cambridge Canadian Dividend Fund 6.12Synergy Canadian Corporate Class 6.05Signature Emerging Markets Corporate Class 5.13CI First Asset Morningstar Canada Momentum Index ETF (WXM) 5.13Cambridge Canadian Equity Corporate Class 5.12CI American Managers Corporate Class 5.12CI Munro Alternative Global Growth Fund 4.65CI First Asset MSCI Canada Quality Index Class ETF (FQC) 4.44Signature Corporate Bond Fund 3.93Total 59.03
Total number of investments: 26
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,714.63 in December 2019. This works out to an average of 5.54% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 23.97International Equity 22.96US Equity 18.86Domestic Bonds 15.87Foreign Bonds 7.94Cash and Equivalents 6.09Other 4.31
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want growth and income while diversifying risk• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $61,643,207
8.19%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Balanced Fund
As of December 31, 2019
95
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.52% 0.80% 0.30%
Combined 2001 3.03% 0.50% 0.30%
Basic 2001 2.87% 0.30% 0.30%
Full 3.49% 0.80% 0.30%
Combined 3.11% 0.50% 0.30%
Basic 2.85% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Balanced Fund
As of December 31, 2019
96
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.47% $22.09 92,109
Combined 2001 3.01% $23.35 841
Basic 2001 2.98% $23.90 6,809
Full 3.50% $22.06 886,414
Combined 3.12% $23.28 193,586
Basic 2.90% $23.94 65,981
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Balanced Growth Fund. The underlying fund invests mostly in shares and bonds from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSignature Canadian Bond Fund 16.24Cambridge Canadian Equity Corporate Class 9.76Synergy Canadian Corporate Class 6.63Signature Emerging Markets Corporate Class 6.12CI First Asset Morningstar Canada Momentum Index ETF (WXM) 5.60Munro Global Growth Equity Fund 5.18Signature Select Canadian Fund 5.13CI American Managers Corporate Class 5.09CI Canadian Small/Mid Cap Fund 4.65Black Creek International Equity Fund 4.65Total 69.05
Total number of investments: 21
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,775.70 in December 2019. This works out to an average of 5.91% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 25.91International Equity 25.55US Equity 21.22Domestic Bonds 16.38Cash and Equivalents 5.01Other 3.65Income Trust Units 2.28
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want moderate long-term capital growth• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $27,854,810
6.28%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Balanced Growth Fund
As of December 31, 2019
97
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.47% 0.80% 0.30%
Combined 2001 3.01% 0.50% 0.30%
Basic 2001 2.98% 0.30% 0.30%
Full 3.50% 0.80% 0.30%
Combined 3.12% 0.50% 0.30%
Basic 2.90% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Balanced Growth Fund
As of December 31, 2019
98
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.41% $20.97 46,618
Combined 2001 3.02% $22.67 5,762
Basic 2001 2.78% $23.13 1,137
Full 3.49% $20.92 732,702
Combined 3.06% $22.63 102,879
Basic 2.88% $23.08 58,994
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Conservative Balanced Fund. The underlying fund invests mostly in shares and bonds from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSignature Canadian Bond Fund 17.45CI Income Fund 6.91Cambridge Canadian Dividend Fund 6.16Synergy Canadian Corporate Class 5.58CI American Managers Corporate Class 5.11CI First Asset Morningstar Canada Momentum Index ETF (WXM) 4.76Signature Global Bond Fund 4.73Cambridge Canadian Equity Corporate Class 4.67Signature Emerging Markets Corporate Class 4.61Signature Corporate Bond Fund 4.51Total 64.49
Total number of investments: 24
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,671.27 in December 2019. This works out to an average of 5.27% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 22.01Canadian Equity 21.19International Equity 20.16US Equity 14.06Foreign Bonds 11.94Cash and Equivalents 6.22Other 4.42
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want returns with lower than average volatility• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $20,154,438
8.30%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Conservative Balanced Fund
As of December 31, 2019
99
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.41% 0.80% 0.30%
Combined 2001 3.02% 0.45% 0.30%
Basic 2001 2.78% 0.25% 0.30%
Full 3.49% 0.80% 0.30%
Combined 3.06% 0.45% 0.30%
Basic 2.88% 0.25% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Conservative Balanced Fund
As of December 31, 2019
100
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.52% $19.59 89,944
Combined 2001 2.99% $21.09 6,487
Basic 2001 2.93% $21.65 30,138
Full 3.49% $19.63 1,321,340
Combined 2.96% $21.14 246,690
Basic 2.87% $21.73 81,095
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Conservative Fund. The underlying fund invests mostly in shares and bonds from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSignature Canadian Bond Fund 19.51CI Income Fund 10.67Synergy Canadian Corporate Class 6.91Cambridge Canadian Dividend Fund 6.27Signature Corporate Bond Fund 5.54Signature Global Bond Fund 4.71CI American Managers Corporate Class 4.27CI First Asset MSCI Canada Quality Index Class ETF (FQC) 4.07Cambridge Bond Fund 3.95CI First Asset Morningstar Canada Momentum Index ETF (WXM) 3.80Total 69.70
Total number of investments: 23
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,581.44 in December 2019. This works out to an average of 4.69% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 26.28Canadian Equity 18.34International Equity 16.47Foreign Bonds 14.43US Equity 12.25Cash and Equivalents 8.19Other 4.04
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want income and growth with lower than average volatility• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $35,467,187
10.28%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Conservative Fund
As of December 31, 2019
101
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.52% 0.80% 0.30%
Combined 2001 2.99% 0.40% 0.30%
Basic 2001 2.93% 0.25% 0.30%
Full 3.49% 0.80% 0.30%
Combined 2.96% 0.40% 0.30%
Basic 2.87% 0.25% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Conservative Fund
As of December 31, 2019
102
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.93% $17.33 26,243
Combined 2001 3.32% $18.66 5,826
Basic 2001 3.23% $19.65 1,255
Full 3.87% $17.38 389,012
Combined 3.39% $18.62 86,240
Basic 3.05% $19.84 112,978
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Growth Fund. The underlying fund invests mostly in shares from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCambridge Canadian Equity Corporate Class 11.69Signature Canadian Bond Fund 9.26Munro Global Growth Equity Fund 8.15Synergy Canadian Corporate Class 7.19Signature Emerging Markets Corporate Class 7.16CI First Asset MSCI Canada Quality Index Class ETF (FQC) 6.90CI First Asset Morningstar Canada Momentum Index ETF (WXM) 6.42CI American Managers Corporate Class 5.67Signature Select Canadian Fund 5.67Black Creek International Equity Fund 5.25Total 73.36
Total number of investments: 19
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,818.06 in December 2019. This works out to an average of 6.16% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 30.50International Equity 28.37US Equity 23.97Domestic Bonds 8.42Cash and Equivalents 5.48Income Trust Units 2.42Other 0.84
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want long-term capital growth• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $11,196,995
4.56%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Growth Fund
As of December 31, 2019
103
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.93% 1.15% 0.30%
Combined 2001 3.32% 0.80% 0.30%
Basic 2001 3.23% 0.50% 0.30%
Full 3.87% 1.15% 0.30%
Combined 3.39% 0.80% 0.30%
Basic 3.05% 0.50% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Growth Fund
As of December 31, 2019
104
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 2.70% $21.85 152,960
Combined 2001 2.57% $22.26 24,092
Basic 2001 2.49% $22.58 24,677
Full 2.65% $21.90 1,361,163
Combined 2.49% $22.33 323,279
Basic 2.48% $22.64 94,226
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Income Fund. The underlying fund invests mostly in bonds and shares from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSignature Canadian Bond Fund 14.91CI Income Fund 13.65CI Global High Dividend Advantage Fund 8.55Signature Corporate Bond Fund 6.53Signature Global Bond Fund 6.21Signature Global Dividend Corporate Class 5.28Cambridge Bond Fund 4.90CI Investment Grade Bond Fund 4.88Signature Dividend Corporate Class 4.86Cambridge Global Dividend Fund 4.75Total 74.52
Total number of investments: 21
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,599.66 in December 2019. This works out to an average of 4.81% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value nine years and down in value one year.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 29.26Foreign Bonds 19.10US Equity 14.26Canadian Equity 12.76International Equity 12.15Cash and Equivalents 8.49Other 3.98
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want income with some potential for capital growth• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $43,592,188
8.54%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Income Fund
As of December 31, 2019
105
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 2.70% 0.30% 0.30%
Combined 2001 2.57% 0.20% 0.30%
Basic 2001 2.49% 0.15% 0.30%
Full 2.65% 0.30% 0.30%
Combined 2.49% 0.20% 0.30%
Basic 2.48% 0.15% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Income Fund
As of December 31, 2019
106
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.96% $22.94 95,063
Combined 2001 3.42% $24.51 3,414
Basic 2001 3.30% $25.45 322
Full 3.91% $22.97 121,677
Combined 3.60% $24.33 35,140
Basic 3.25% $25.45 6,429
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Maximum Growth Fund. The underlying fund invests mostly in shares from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCambridge Canadian Equity Corporate Class 13.12Signature Emerging Markets Corporate Class 8.61Munro Global Growth Equity Fund 8.01Black Creek International Equity Fund 7.11CI First Asset Morningstar Canada Momentum Index ETF (WXM) 6.96CI American Managers Corporate Class 6.96Synergy Canadian Corporate Class 6.95CI First Asset MSCI Canada Quality Index Class ETF (FQC) 6.75Signature Select Canadian Fund 5.61CI Canadian Small/Mid Cap Fund 5.04Total 75.12
Total number of investments: 19
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,903.74 in December 2019. This works out to an average of 6.65% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
International Equity 32.27Canadian Equity 32.23US Equity 28.78Cash and Equivalents 3.81Income Trust Units 2.62Other 0.29
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want above-average long-term capital growth• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
January 2003 $6,086,641
5.09%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Maximum Growth Fund
As of December 31, 2019
107
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.96% 1.15% 0.30%
Combined 2001 3.42% 0.90% 0.30%
Basic 2001 3.30% 0.55% 0.30%
Full 3.91% 1.15% 0.30%
Combined 3.60% 0.90% 0.30%
Basic 3.25% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Maximum Growth Fund
As of December 31, 2019
108
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.29% $22.97 3,624
Combined 2001 3.24% $23.83 434
Basic 2001 2.83% $25.25 425
Full 3.36% $22.86 41,186
Combined 3.19% $23.79 5,500
Basic 2.78% $25.38 17,927
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Balanced Growth Fund. The underlying fund invests mostly in shares and bonds from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsSignature Canadian Bond Fund 16.24Cambridge Canadian Equity Corporate Class 9.76Synergy Canadian Corporate Class 6.63Signature Emerging Markets Corporate Class 6.12CI First Asset Morningstar Canada Momentum Index ETF (WXM) 5.60Munro Global Growth Equity Fund 5.18Signature Select Canadian Fund 5.13CI American Managers Corporate Class 5.09CI Canadian Small/Mid Cap Fund 4.65Black Creek International Equity Fund 4.65Total 69.05
Total number of investments: 21
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,809.52 in December 2019. This works out to an average of 6.11% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 25.91International Equity 25.55US Equity 21.22Domestic Bonds 16.38Cash and Equivalents 5.01Other 3.65Income Trust Units 2.28
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want moderate long-term capital growth• are investing for the medium term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $1,631,695
4.68%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Summit Balanced Growth Fund
As of December 31, 2019
109
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.29% 0.80% 0.30%
Combined 2001 3.24% 0.50% 0.30%
Basic 2001 2.83% 0.30% 0.30%
Full 3.36% 0.80% 0.30%
Combined 3.19% 0.50% 0.30%
Basic 2.78% 0.30% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Summit Balanced Growth Fund
As of December 31, 2019
110
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.54% $21.35 2,379
Combined 2001 3.43% $22.39 2,046
Basic 2001 3.14% $24.00 617
Full 3.59% $21.47 13,261
Combined 3.29% $22.62 542
Basic 3.16% $23.86 764
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the Portfolio Series Maximum Growth Fund. The underlying fund invests mostly in shares from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsCambridge Canadian Equity Corporate Class 13.12Signature Emerging Markets Corporate Class 8.61Munro Global Growth Equity Fund 8.01Black Creek International Equity Fund 7.11CI First Asset Morningstar Canada Momentum Index ETF (WXM) 6.96CI American Managers Corporate Class 6.96Synergy Canadian Corporate Class 6.95CI First Asset MSCI Canada Quality Index Class ETF (FQC) 6.75Signature Select Canadian Fund 5.61CI Canadian Small/Mid Cap Fund 5.04Total 75.12
Total number of investments: 19
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $1,921.67 in December 2019. This works out to an average of 6.75% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value eight years and down in value two years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
International Equity 32.27Canadian Equity 32.23US Equity 28.78Cash and Equivalents 3.81Income Trust Units 2.62Other 0.29
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want above-average long-term capital growth• are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:CI Investments Inc.
December 2001 $426,565
4.94%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Summit Maximum Growth Fund
As of December 31, 2019
111
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.50% ISC: 1.00%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.54% 1.05% 0.30%
Combined 2001 3.43% 0.80% 0.30%
Basic 2001 3.14% 0.55% 0.30%
Full 3.59% 1.05% 0.30%
Combined 3.29% 0.80% 0.30%
Basic 3.16% 0.55% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise Portfolio Series Summit Maximum Growth Fund
As of December 31, 2019
112
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Full 2001 3.82% $17.10 3,357
Combined 2001 3.35% $16.69 1,624
Basic 2001 2.90% $19.87 1,382
Full 3.77% $17.15 51,159
Combined 3.35% $18.32 4,218
Basic 2.95% $19.87 401
Contract version Dec 4, 2001 - Feb 26, 2003 Feb 27, 2003 - Oct 30, 2005Minimum investment per Contract: No new Contracts No new ContractsMinimum investment additional purchases: $50 No new PuchasesMonthly minimum of pre-authorized chequing: $50 No new PACs
The Fund invests in the TD Emerald U.S. Market Index Fund. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2019 % AssetsApple Inc 4.58Microsoft Corp 4.47Amazon.com Inc 2.86Facebook Inc 1.83Berkshire Hathaway Inc 1.65JPMorgan Chase & Co 1.64Alphabet Inc 1.50Alphabet Inc 1.49Johnson & Johnson 1.43Visa Inc 1.20Total 22.65
Total number of investments: 506
Average return
Year-by-year returns (%)
This section tells you how the Fund did in the past. A person who invested $1,000 in the Basic Class of the Fund in December 2009 would have $3,178.71 in December 2019. This works out to an average of 12.26% each year. The returns are after the MER has been deducted. The MER of the Segregated Fund includes insurance fees. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the Fund has performed in each of the past ten years. In the past ten years, the Fund was up in value ten years.
How has the Fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
LowLow to
moderate ModerateModerateto high High
%
US Equity 96.96International Equity 2.92Cash and Equivalents 0.12
% Assets
What does the Fund invest in?
Are there any guarantees?
Who is this Fund for?
This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to the Information Folder and Contract.
This Fund may be suitable for contractholders if they:• want a growth investment in U.S. stocks that tracks the returns
of a major U.S. equity index • are investing for the medium and/or long term.
Date Fund created:
Managed by:
Total value on December 31, 2019:
Portfolio turnover rate:TD Asset Management Inc.
December 2001 $1,074,678
16.33%
Quick facts:
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise U.S. Market Index Fund
As of December 31, 2019
113
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to the Information Folder and Contract.
Sales charges
Ongoing Fund expenses
The MER includes the management fee, operating expenses and insurance fees of the Fund. You do not pay the MER directly. It affects you because it reduces the return you get. For the optional Earnings Enhancement Benefit (EEB) rider, the fees will be charged to you by Redeeming some of your Units. For details, please refer to the Information Folder and Contract.
Servicing commissionWe pay an annual servicing commission as long as you own the Fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Early withdrawal fee 2% of the value of Units you sell or transfer within 60 business days of buying the Units. Money from the fee goes to the Fund.
Change fee Your insurance advisor may charge you up to 2% of the value of units you switch to another Fund or Class.
Other fees
For more informationThis is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of Sun Life Assurance Company of Canada15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual service fee rate DSC: 0.25% ISC: 0.50%
Guarantee Level
MER(Annual rate as a % of the
Fund's value)(Includes taxes)
Annual insurance fee included in MER (annual rate as a % of the
market value of the Units)
Optional Rider
Earnings Enhancement Benefit(annual rate of the market value of
the Units)
Full 2001 3.82% 1.45% 0.30%
Combined 2001 3.35% 1.10% 0.30%
Basic 2001 2.90% 0.70% 0.30%
Full 3.77% 1.45% 0.30%
Combined 3.35% 1.10% 0.30%
Basic 2.95% 0.70% 0.30%
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount invested. • You and your insurance advisor agree on the rate charged.• The Initial Sales Charge is deducted from the amount you buy. It is paid as
a commission.
Deferred Sales Charge (DSC) If you sell within: Rate1 year of buying 5.5 %2 years of buying 5.0 %3 years of buying 4.5 %4 years of buying 4.0 %5 years of buying 3.0 %6 years of buying 2.0 %7 years of buying 1.0 %After 7 years 0.0 %
• The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw.
• When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us.
• You can Redeem up to 10% (greater of 10% or RIF MAP if the Contract is a RRIF, LIF, LRIF issued between Dec 4, 2001 and Feb 26, 2003) of your Units of a Fund each year without a Deferred Sales Charge.
• Up to 20% of unused free Units can be carried forward. The maximum available free Units at any time is 30% of the current Unit Value.
• You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge.
• For details, please refer to the Information Folder and Contract.
Sun Life Assurance Company of CanadaSunWise II Segregated FundsSunWise U.S. Market Index Fund
As of December 31, 2019
114
2
Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, is the sole issuer of the individual variable annuity contract providing for investment in SunWise II segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the Information Folder. 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 Investments, the CI Investments design, Synergy Mutual Funds, Cambridge and Harbour Funds are registered trademarks of CI Investments Inc. Portfolio Series and Signature Funds are trademarks of CI Investments Inc. ®SunWise is a registered trademark of Sun Life Assurance Company of Canada. ®Fidelity Investments and the Fidelity design are registered trademarks of FMR Corp. ™TD Asset Management is a trademark of The Toronto-Dominion Bank, used under licence. CI Investments Inc., 2020