Schneider Electric Canada Defined Contribution Pension Plan

Schneider Electric Canada Defined Contribution Pension Plan

Agenda About Manulife Financial Defined Contribution (DC) Pension Plan Investment Selection Manulife Tools, Resources and Support Services Next Steps

About Manulife Financial

About Manulife Financial Canada s largest life insurance company Fourth-largest life insurer in the world Strong independent financial ratings (S&P, Moody s, A.M. Best, etc.) Financial strength Overall operations Ability to meet its obligations to its customers

Use your Enrolment Guide as a reference as we move through this presentation. Enrolment Guide

Defined Contribution (DC) Pension Plan

About the DC Pension Plan This is a voluntary plan All permanent full-time and permanent part-time employees are eligible to join the plan on the first day of the month following their date of hire.

Contributing to your DC Pension Plan Schneider Electric does not make base contributions to the plan. You may contribute between 1-5% of your earnings. Contributions must be in whole percentages Earnings include annual base salary, incentives, bonuses and overtime (overtime is capped at 10%). Schneider Electric will match 100% of your contributions up to 5% of your earnings. You may also make additional voluntary contributions exceeding 5% of your earnings. You may transfer funds from other registered plans. These funds are not matched by Schneider Electric Withdrawals from the plan and lump-sum contributions are not permitted.

Sources of Retirement Income Canadians generally rely on three distinct sources of income: Government Pensions CPP $1,012.50 (Monthly maximum) OAS $546.07 (Monthly maximum) Schneider Electric Canada DC Pension Plan Personal Savings RRSPs, TFSAs, GICs, and Mutual Funds Home equity Other investments

Effect of Paying Lower Fees Take advantage of your group s purchasing power A difference of $3,313 Assumption: $5,000 initial investment, 6% rate of return Lower fees leave more of your money in your account to grow for your retirement.

Investment Selection

Decide How to Invest If you chose two or more from Column A Column B The best investment for you is A Target Date Fund Individual funds ( Build your own portfolio ) Look for this symbol

Portfolio Options Option A Target Date Option B Build Your Own

Option A Target Date Funds What are Target Date Funds? A balanced investment portfolio inside a single fund Each fund represents a future retirement date Automatically rebalances to become more conservative as retirement date approaches It s important to only select one Target Date Fund closest to your projected retirement date.

BlackRock LifePath Portfolios Target Date Solutions

Portfolio Options Option A Target Date Option B Build Your Own

Option B Build Your Own Portfolio Complete the 8-question Investor Strategy Worksheet Tally your score to learn your investor style

Option B Build Your Own Portfolio Match your investor style to the suggested asset mix Use the suggested asset mix to build your portfolio If your score is between 8-22, you re a Moderate Investor. You want your money to grow but are more concerned about protecting it. Retirement may be in your near future, or you may prefer to be cautious with your investment and preserve your money.

Option B Build Your Own Portfolio Cash & Equivalents Fixed Income Canadian Equity U.S./Int l/global Equity MLI MFC Global Pooled US Index Fund McLean Budden American Equity Potential Return MFC Pooled Canadian Bond Index MFC Pooled Canadian Index MLI Beutel Goodman Canadian Equity Fund MLI Canadian Money Market Potential Risk For illustrative purposes only.

Option B Build Your Own Portfolio When selecting funds, refer to the Rates of Return Overview in your guide to see how funds have been performing. This information can also be found online after you log in to your account at www.manulife.ca/gro

Default Investment If you do not choose fund(s) for your contributions, your money will be invested in the plan default fund until you provide instructions. Your plan default investment is the MLI BlackRock LifePath Index Fund Contributions will be deposited into the plan s default investment fund - MLI BlackRock LifePath Index Fund - closest to the year you will turn 65. If you do not provide your date of birth at enrolment, your contributions will be deposited to the MLI Canadian Money Market Fund.

Manulife Tools, Resources and Support

The Steps Retirement Program (Steps) An easy, online retirement planning tool that will help you Set a retirement income goal Track your savings progress Determine whether you are on track to meet your retirement savings goal Steps also shows you an estimate of your annual retirement income.

Easy-to-Read Statements Sent to your home semi-annually Includes Personalized messaging Customized newsletters Personal rates of return Your estimated annual retirement income (set using Steps)

Customer Service Centre Contact Manulife toll-free at 1-888-727-7766 Customer Service Representatives Monday to Friday, 8 a.m. to 8 p.m. ET For account inquiries and administrative assistance Financial Education Specialists Monday to Friday, 9 a.m. to 5 p.m. ET For assistance with investment information Transition Solution Specialists Monday to Friday, 9 a.m. to 5 p.m. ET For assistance with retirement planning Email: gromail@manulife.com

Next Steps

Enrolment Guide Enroll in the plan DC Pension Plan Policy Number: 10000987 Access code: SEC07 Enrolment information can be found on page 4 of your guide. Follow the steps provided to enroll online.

Questions