PRIVATE CLIENT FOR ADVISOR USE ONLY
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1 S U N L I F E G L O B A L I N V E S T M E N T S PRIVATE CLIENT I L L U M I N A T I N G FOR ADVISOR USE ONLY
2 A NEW LIGHT.
3
4 A FRESH APPROACH.
5 AFFLUENT CLIENTS WANT A FRESH APPROACH T O INVESTING
6 Affluent investors expect exceptional value, hightouch service and comprehensive investment options from their advisors. They also turn to you for investment solutions that align with their goals and tolerance for risk, while still providing the flexibility needed to respond to changing needs throughout their lifetimes. The affluent market represents a significant opportunity for your business. At Sun Life Global Investments, we offer a comprehensive range of investment solutions with highly competitive management fees, opportunities to consolidate investor assets, best-in class risk management practices and a holistic approach to client service. MARKET FAST FACTS By 2020, pre-retirees and retirees will comprise 87% of the Canadian wealth wallet, representing an estimated $5.4 trillion. * Also by 2020, the number of Canadian millionaires will soar to over 1 million. * * * Investor Economics.: The Fee Based Report (Summer 2013) ** National Bank: Under the Microscope Dissecting Canada s Millionaires (2012) 5
7 THE PRIVATE CLIENT ADVANTAGE Let us show you how Sun Life Global Investments Private Client can shed a new light on investors financial plans. 6
8 Sun Life Global Investments Private Client takes a new approach to investing for affluent investors. Our unique program offers: PORTFOLIO BUILDING Access to a full range of mutual funds with a low per fund minimum requirement. GREATER ACCESS AND CHOICE World class investment solutions from some of the best asset managers from around the world. VALUE Management fee reductions when assets exceed $100,000. HOUSEHOLD EFFECTIVENESS Accounts can be linked to other household accounts to achieve greater savings and provide a consolidated view of household holdings. CONSISTENCY Accounts can be rebalanced to ensure that investors portfolios stay aligned with their objectives and tolerance for risk. TAX EFFICIENCY Corporate class mutual funds provide no-cost, taxdeferred switching. CLARITY Tools to set up new accounts, help clients select their investments, track historical performance and monitor their progress. PREMIUM SERVICE Investors with $500,000 and above receive additional services, including access to the Private Client team for enhanced support. FLEXIBLE COMPENSATION Series E and O mutual funds provide options for your compensation. 7
9 PORTFOLIO BUILDING Unlike many other mutual fund companies, Sun Life Global Investments has a low minimum investment requirement of $500 per fund. This means investors can build a portfolio with multiple funds to meet eligibility requirements for Private Client. Sun Life Global Investments offers a comprehensive fund line-up that brings together multiple outstanding portfolio management teams. Investors have access to BlackRock, MFS, Sentry Investments, Dynamic Funds and other industry-leading fund companies, which may help reduce firm and management-style risk. 8
10 SUN LIFE GRANITE MANAGED PORTFOLIOS Sun Life Granite Managed Portfolios help take the guess work out of investing. Investors can choose from a series of ready-made mutual fund portfolios based on their tolerance for risk, time horizon and investment objectives. SUN LIFE MANAGED INCOME AND MANAGED ENHANCED INCOME PORTFOLIOS The Sun Life Managed Income Portfolio and Sun Life Managed Enhanced Income Portfolio allow for exposure to a broad range of securities, including domestic and international government bonds, dividend-paying equities, real estate investment trusts (REITs) and high-yield corporate bonds. SUN LIFE MILESTONE FUNDS With Sun Life Milestone Funds, investors select a fund with a maturity date that best matches the year they expect to require the money, known as the target maturity date. As long as they remain invested in the fund until maturity, they will receive a guaranteed maturity value. As the target maturity date approaches, and at any time the guaranteed value at maturity increases, the fund is rebalanced to help preserve capital. DIVERSIFIED INCOME FUNDS Diversified income funds seek to generate income by investing across various asset classes, sectors and geographies. Like most income funds, they prioritize income generation over capital appreciation. EQUITY FUNDS Equity funds invest in shares of companies and offer the investor the potential for growth in their investment over time. Equity funds have a variety of management styles. ASSET ALLOCATION AND BALANCED FUNDS Asset allocation and balanced funds are a mix of equities, bonds and cash equivalents. FIXED INCOME FUNDS Fixed income funds invest in bonds and have the potential for growth while providing a source of income. CORPORATE CLASS FUNDS Corporate class funds may be suitable for investors who are looking for a tax-efficient vehicle for their non-registered assets. 9
11 ILLUMINATING W E A L T H IN A WHOLE NEW LIGHT 10
12 11
13 VALUE Management fee reductions (MFRs) provide an incentive for clients to consolidate assets with you. MFRs increase on a tiered basis according to the amount of investible assets in the account. Assets in individual account < 100K > 100K - 250K >250K - 500K > 500K - 1M > 1M - 3M > 3M - 5M > 5M Tiered management fee reductions 0 bps 5 bps 10 bps 20 bps 30 bps 35 bps 40 bps ELIGIBILITY An investor qualifies for automatic MFRs when their account exceeds the minimum balance of $100,000. MFRs may also apply to qualifying linked accounts.* PURCHASE MINIMUMS A $500 minimum applies to subsequent purchases for an existing Private Client account, as well as pre-authorized chequing (PAC) and dollar cost averaging (DCA). * If the minimum book value or market value is not maintained and the account is not linked to a household group, Sun Life Global Investments reserves the right to have the investor s securities re-designated as series A of the same fund. 12
14 HOUSEHOLD EFFECTIVENESS Householding allows clients to combine multiple Sun Life Global Investments account balances to take advantage of greater MFRs and potentially have access to enhanced services. The linking of Private Client accounts can also give you the ability to help families plan and coordinate investment decisions toward common, long-term goals. ELIGIBILITY Eligible Sun Life Global Investments Private Client accounts include: 1) those held by an investor, his or her spouse, children and/or parents, all residing at the same address; or 2) A corporate account (i.e. corporation, partnership, trust) where one or more of the members within the Private Client Household Group have a combined ownership of at least 50% voting equity. Documentation showing proof of voting equity must be provided. (i.e. corporate resolution, articles of incorporation, partnership agreement, trust documentation). INVESTMENT REQUIREMENTS Only series E or O units are available for householding. MANAGEMENT FEE REDUCTIONS When the Account Linking Agreement is received in good order, the MFR will be based on the total assets of all accounts in the household group. Any added or deleted accounts may affect the pricing tier and related management fee reduction. ACCOUNT BALANCE REQUIREMENTS A household balance is calculated by linking the assets of all eligible Private Client accounts. A master account must be selected and have a minimum $100,000 balance. The total combined balance of the master account and linked account(s) must be at least $250,000 to qualify. 13
15 TAX EFFICIENCY Corporate class funds allow for tax-deferred switching between classes of the same mutual fund corporation held in a non-registered portfolio. Distributions may be lower because expenses can be shared between classes. These distributions may be taxed at a lower rate. CONSISTENCY Private Client accountholders have the ability to opt-in to a portfolio rebalancing service. Clients set the variance for rebalancing (between 2.5% -10%, in increments of.5%) and can choose from the following rebalancing schedule options: Monthly Quarterly (March, June, September and December) Semi-annually (June and December) All assets in the account will be switched* into the funds listed on the Rebalancing Service Form. If one or more fund holdings vary from the target allocation by more than the selected variance, Sun Life Global Investments will automatically switch the investments back to the initial target allocation. *All switches, including rebalancing transactions are subject to the switch rules explained in the applicable simplified prospectus for each fund. 14
16 CLARITY Sun Life Global Investments provides tools that make it easier for you to set up new accounts and help clients select their investments, monitor their progress and track their success. APPLICATION FORMS The following forms are available to order online from the Advisor site: Private Client Application Form Private Client Account Linking Form Private Client Rebalancing Form Private Client Dealer Service Fee Agreement Form for Series O Units/Shares ENHANCED QUARTERLY REPORTING All Private Client investors receive an enhanced quarterly statement that contains: Consolidated household reporting (if applicable) Individual account details Chief Investment Officer commentary Fund performance INVESTMENT ILLUSTRATION This online tool provides historical performance data, asset allocation and pricing information. A personalized, professional quality output can be produced for client reference. 15
17 PREMIUM SERVICE Sun Life Global Investments offers you the option for ongoing support from its dedicated Private Client team. This group of knowledgeable professionals can help you attract, maintain and service high net worth investors. EDUCATION AND RELATIONSHIP BUILDING The Private Client team is well-versed in the competitive landscape and can provide insights and information for you to present to clients either on your own, or with their support. The Private Client team can also give an in-depth analysis of clients Sun Life Global Investments mutual fund holdings to help reinforce the value of your role as an advisor. ELIGIBILITY All Sun Life Global Investments Private Client accounts with a minimum balance of $500,000. The Private Client team is also available to discuss opportunities for clients who are considering investing with Sun Life Global Investments. 16
18 FLEXIBLE COMPENSATION SERIES E FUNDS The management fee, operating expenses and dealer service fee (trailing commission) is embedded in the daily NAV of the fund. Management fee rebates are distributed to investors via the purchase of additional units/shares. SERIES O FUNDS The management fee and dealer service fee is charged externally through redemption of units/shares, and is assessed at the account level. Operating expenses and trading costs are embedded in the calculation of each fund s net asset value. The Series O dealer service fee is a negotiated fee between you and the client and can range from 0% to 1.25%. A Dealer Service Fee Agreement for Series O Units/Shares must be completed. Both Series E and O funds are available with an initial sales charge (ISC) option. The range is 0% to 5%. Deferred service charge (DSC) and low load (LL) options are not available. 17
19 CONTACT YOUR WEALTH SALES DIRECTOR FOR MORE INFORMATION ON THE ADVANTAGES OF SUN LIFE GLOBAL INVESTMENTS PRIVATE CLIENT 18
20 19
21 The information contained in this brochure is intended for advisors for general informational use only and is compiled from sources believed to be reliable, but no representation or warranty, express or implied, is made as to its accuracy. The material contained herein is not intended to provide specific financial, tax, insurance, investment, legal or accounting advice and should not be relied upon in that regard and does not constitute a specific offer to buy and/or sell securities. The Sun Life Global Investments Corporate Class mutual funds each represent a separate class of shares of Sun Life Global Investments Corporate Class Inc., a mutual fund corporation. The Sun Life Granite Managed Portfolios invest in other funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund values change frequently and past performance may not be repeated. Mutual funds are not generally guaranteed, although the Sun Life Milestone Funds benefit from the guarantee described below. We have structured each Sun Life Milestone Fund so that it will have sufficient assets to pay the Guaranteed Value per unit on its respective maturity date. If the net asset value per unit on the maturity date of a Sun Life Milestone Fund is less than the Guaranteed Value per unit, then Sun Life Assurance Company of Canada, as sub-advisor to the Sun Life Milestone Funds, ( Sun Life, or the guarantor ) has agreed to pay the shortfall to the Sun Life Milestone Fund. Any shortfall payment is subject to the financial health and creditworthiness of Sun Life. The respective maturity dates for the Sun Life Milestone Funds is June 30 of the year in the corresponding fund s name. The maturity date for a Sun Life Milestone Fund may be accelerated in certain circumstances, in which case an accelerated Guaranteed Value will be calculated. In such a case, the applicable Sun Life Milestone Fund will pay the greater of the net asset value per unit on the accelerated maturity date and the net present value per unit of the Guaranteed Value. If you redeem your securities of the Sun Life Milestone Funds prior to their respective maturity dates, your redemption will be processed at the current net asset value per security, less any applicable redemption fees, and you will not benefit from the Guaranteed Value at maturity. Additional information, including specific risks associated with the Sun Life Milestone Funds, can be found in the prospectus. MFS Institutional Advisors, Inc. of Boston, Massachusetts and MFS Investment Management Canada Limited of Toronto, Ontario (collectively referred to herein as MFS ) are each portfolio sub-advisors to Sun Life Global Investments Mutual Funds and affiliates of Sun Life Global Investments (Canada) Inc. Dynamic Funds is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P. 20
22 SUN LIFE GLOBAL INVESTMENTS (CANADA) INC. 225 King Street West, Toronto ON M5V 3C5 Phone:
23 SUN LIFE GLOBAL INVESTMENTS PRIVATE CLIENT Visit to register for online access to your account Sun Life Global Investments (Canada) Inc., 2014 Sun Life Global Investments (Canada) Inc. is a member of the Sun Life Financial group of companies.
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