SUN LIFE FINANCIAL. Crafted with plan members in mind. For institutional use only

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1 SUN LIFE FINANCIAL Granite TM multi-risk target date funds Crafted with plan members in mind For institutional use only

2 Sun Life Financial Granite multi-risk Target Date Funds Crafted with plan members in mind Now more than ever plan members need simple investment solutions to help meet their retirement goals. From persistently low interest rates to unpredictable equity markets, members are facing a difficult investing climate. Throw in the possibility of living longer and increasingly complex investment solutions, and it s no wonder members may be feeling overwhelmed. We recognize your challenge as a plan sponsor is to ensure members have the tools they need to make informed decisions. That s why we ve created Sun Life Financial Granite Multi-Risk Target Date Funds. These solutions feature a range of strategic asset allocations with different time horizons. All the member needs to do is answer two simple questions when do I plan to use the money and what is my risk tolerance? Sun Life Financial Granite Multi-Risk Target Date Funds offer a choice of: eight target dates: 2020, 2025, 2030, 2035, 2040, 2045, 2050, 2055 and one retirement fund three risk profiles: Conservative, Moderate, Aggressive In order to provide even more flexibility, each risk profile target date series is available on a stand-alone basis. Plan sponsors can opt for 5 or 10-year increments. Sun Life Financial Granite Multi-Risk Target Date Funds are designed to provide your members with: A simple one-stop solution that makes investing easy Deep investment expertise to keep funds on track for the long term Broad diversification to help manage risk Fixed income risk profile Aggressive Moderate Conservative Target date (including foreign) Canadian equity U.S. equity Global / International equity Specialty equity Retirement Fund Asset mixes for the funds are as of September 30, 2015 and are subject to change at any time without notice. sun life global investments 2

3 One-stop solution makes investing easy Sun Life Financial Granite Multi-Risk Target Date Funds provide your members with a flexible one-stop investment solution. In order to choose the most appropriate fund, members need to ask themselves two simple questions: When do I plan to use the money? What is my risk tolerance? A strategic asset allocation that changes over time Each fund s ratio of equity to fixed income investments changes over time based on pre-determined guidelines. This evolution is known as a glidepath. As the funds near maturity the fixed income exposure increases, providing greater protection of capital against a major equity market downturn. The more aggressive funds have a higher equity allocation for longer, while the conservative funds move into fixed income earlier. A member who invests in Sun Life Financial Granite 2050 Aggressive Fund, for example, would have a longer investment time horizon and a higher risk tolerance than a member who selects Sun Life Financial Granite 2035 Moderate Fund. In short, Sun Life Financial Granite Multi-Risk Target Date Funds offer members a high degree of customization based on time horizon and risk profile. 100% 90% 80% 95% 95% 95% 94% 90% 90% 90% 85% 85% 87% 90% 80% 79% 82% equity weight 70% 60% 50% 40% 30% 70% 55% 65% 42% 69% 49% 35% 52% 38% 31% 30% 20% 10% Risk profiles: Aggressive Moderate Conservative 0% Post Target time remaining in years Date The strategic asset mixes are as of September 30, 2015 and are subject to change at any time without notice. When each fund reaches maturity (June 30 of the targeted year), assets will be transferred to the Sun Life Financial Granite Retirement Fund. The Sun Life Financial Granite Retirement Fund s conservative asset mix is designed to balance capital preservation and growth so that members can draw a stable income for as long as possible. 3 sun life global investments

4 Deep investment expertise Global reach At Sun Life Global Investments, we have our finger on the pulse of global trends and market conditions giving us the ability to deliver some of the best investment ideas from around the world direct to members. We do the research for you. Sun Life Global Investments is part of Sun Life Financial, a global leader in asset management with: 150 years of investing experience and a presence in 26 countries around the world Over 200 investment professionals and $808 billion* in assets under management Deep and established relationships with some of the world s best asset managers who oversee $100 billion* in assets for Sun Life Financial * As of June 30, 2015 in Canadian dollars. Dedicated portfolio management Sun Life Financial Granite Multi-Risk Target Date Funds are crafted in-house by the Sun Life Global Investments Portfolio Management Team. The team is dedicated to building investment solutions with best-in-class managers for each asset class, and actively manages these portfolios to take advantage of different market environments. The team has access to a wealth of global resources including: Sun Life Financial s International Investment Centre (IIC), an independent investment consulting team, which has relationships with over 100 asset managers around the world. The IIC provides manager and fund selection recommendations to the portfolio management team, and also regularly monitors the managers and funds selected. Sun Life Financial s internal investment teams, including the largest private fixed income participant in North America, provide another layer of support that includes market intelligence, trade execution for the portfolios and assistance in developing investment strategies. sun life global investments 4

5 investment process The Sun Life Global Investments Portfolio Management Team follows a disciplined, four-step investment process to build and manage each portfolio. RISK MANAGEMENT Risk is controlled by constructing a series of diversified funds that employ multiple asset classes as well as multiple investment managers with expertise in each of the various asset classes. The portfolio manager will shift holdings in the portfolios to meet their investment objectives while taking on an appropriate level of overall risk. 01 Strategic asset allocation Each portfolio s strategic asset mix, or glidepath, is constructed to provide the most efficient return potential while minimizing negative investment outcomes and managing overall risk. The glidepath for each risk profile series automatically and gradually shifts from a focus on capital growth to fixed income as the fund approaches maturity. In addition, the Retirement Fund is structured for capital preservation while allowing a reasonable withdrawal rate for retirement income Fund/manager selection The team takes advantage of its global relationships to conduct a rigorous selection process. This results in access to the best of class asset managers and funds from around the world, which helps reduce manager specific risks. Tactical Asset Allocation Market conditions are assessed on an ongoing basis to tactically adjust the asset mix and take advantage of potentially attractive opportunities from a risk adjusted and capital protection perspective. Tactical shifts are gradual and are made within pre-determined guidelines, in a risk controlled fashion. Portfolio monitoring and review The underlying funds and their portfolio managers are continually assessed and monitored to ensure each fund s objectives are met. 5 sun life global investments

6 Broad diversification A blend of asset classes intended to generate returns while mitigating risk Sun Life Financial Granite Multi-Risk Target Date Funds are unique in that they deliver broad diversification by asset class, geographic region, sector, manager and style. The funds incorporate non-traditional asset classes such as high yield bonds, emerging markets debt and equities, real estate and infrastructure. The funds are managed with the belief that, from an overall portfolio perspective, a mix of active and passive investments is complementary. ST Y L E MANAGER Active (value, growth, core) Passive (index funds) Small, mid and large cap MFS Lazard Invesco Sentry Investments TD Asset Management Bridgehouse Asset Managers* Brandes Investment Partners* Sionna Investment Managers* BlackRock Asset Management RBC Global Asset Management Franklin Templeton Investments Sun Life Investment Management Schroder Investment Management Birla Sun Life Asset Management** Beutel Goodman Investment Counsel INDUSTRY Tac tical Asse t Allocation ASSET CLASS Fixed income (including high yield, private fixed income, commercial mortgage and emerging markets debt) Equity (including emerging markets) Specialty Equity (including real estate and infrastructure) GEOGRAPHIC REGION North America, South America, Europe, Asia, Australia, Africa Energy, financial services, materials, consumer staples, consumer discretionary, information technology, telecommunications, utilities, health care, industrials, global real estate, global infrastructure * bridgehouse Asset Managers is a trade name for Brandes Investment Partners & Co. Bridgehouse has hired Brandes Investment Partners, L.P. and Sionna Investment Managers Inc. as portfolio sub-advisors for the Brandes U.S. Small Cap Equity Fund and Sun Life Sionna Canadian Equity Small Cap Fund, respectively. ** Aditya Birla Sun Life Asset Management Company Pte. Limited. sun life global investments 6

7 A multi-manager approach Sun Life Global Investments has a rigorous manager selection process that closely examines track record, risk management, organizational structure, strength and strategy, investment philosophy and experience. Only after this thorough review process is a manager chosen to represent an asset class within Sun Life Financial Granite Multi-Risk Target Date Funds. Keeping in mind that all managers are not experts in all asset classes, each fund invests in a mix of underlying funds managed by some of the best investment managers from around the world. Diversification in numbers 11 asset classes (including non-traditional) 14 best in class fund managers 21 underlying funds (using both active and passive management) Asset class Fund Sun Life Financial Money Market Sun Life Financial Universe Bond (Beutel Goodman) Sun Life BlackRock Canadian Universe Bond Fixed Income Sun Life Private Fixed Income Plus Sun Life Canadian Commercial Mortgage Templeton Global Bond RBC Global High Yield Bond* Beutel Goodman Canadian Equity Canadian Equity Sun Life BlackRock Canadian Composite Equity MFS Canadian Equity Growth Sun Life Sionna Canadian Small Cap Equity Sun Life MFS U.S. Growth U.S. Equity TDAM Hedged Synthetic U.S. Equity Index Brandes U.S. Small Cap Equity Sun Life MFS International Growth Sun Life MFS International Value GLOBAL / International Equity Sun Life Sentry Global Mid Cap India Frontline Equity** Sun Life Schroder Emerging Markets Specialty Equity Lazard Global Listed Infrastructure Invesco Global Real Estate * Covering both high yield bonds and emerging markets debt. **The India Frontline Equity Fund is a sub-fund of ABSL Umbrella UCITS Fund PLC. Note: other investment managers may be tactically added. 7 sun life global investments

8 insight to build investments that work Sun Life Global Investments Sun Life Global Investments brings together the strength of one of Canada s most trusted names in financial services, Sun Life Financial, with some of the best asset managers from around the world to offer a lineup of world-class investment solutions. With a focus on risk management, our rigorous selection and monitoring process provides access to leading asset managers who use insight and innovation to manage high quality investment solutions. Our unique insight into defined contribution plan member trends and investment behaviour helps us build solutions aimed at meeting their long-term financial goals. For more information contact: Pat Leo Director, Institutional Business Development Ontario and Western Canada Sun Life Global Investments Anne Meloche Regional Vice-President, Institutional Business Quebec and Eastern Canada Sun Life Global Investments Group Retirement Services are provided by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies. Sun Life Financial Granite Multi-Risk Target Date Funds are segregated funds of Sun Life Assurance Company of Canada, managed on a sub-advisory basis by Sun Life Global Investments (Canada) Inc. Sun Life Global Investments (Canada) Inc., MFS Institutional Advisors, Inc., and MFS Investment Management Canada Limited are members of the Sun Life Financial group of companies. Sun Life Global Investments (Canada) Inc., FOR INSTITUTIONAL USE ONLY

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