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Savings & Retirement - Rates & Performance

Segregated Fund Rates of Return & Daily Unit Values

GIA & DIA Rates

Pivotal Select

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Net Returns as of Monday, December 31, 2018 Prices Effective Friday, January 18, 2019
Fund Name 1 Month 3 Months 6 Months 1 Year 3 Years 5 Years 10 Years Total Assets (000's) Unit Value Current Unit Value Previous
Money Market
Equitable Life Money Market Fund Select 0.05 % 0.14 % 0.23 % 0.31 % 0.10 % 0.06 %   $14,886 $10.036 $10.036
Fixed Income
Equitable Life Active Canadian Bond Fund Select 0.97 % 0.54 % -0.78 % -1.17 % -0.06 % 1.51 %   $16,273 $11.156 $11.172
Equitable Life Mackenzie Corporate Bond Fund Select -1.57 % -3.67 % -2.84 % -4.12 % 2.70 % 0.56 %   $5,278 $10.690 $10.667
Equitable Life Templeton Global Bond Fund Select 3.06 % 6.89 % 3.63 % 3.76 % 0.36 % 1.93 %   $14,798 $11.605 $11.604
Balanced and Asset Allocation
Equitable Life Bissett Monthly Income and Growth Fund Select -3.07 % -3.43 % -2.48 % -3.22 % 3.54 % -3.30 %   $8,032 $8.848 $8.817
Equitable Life Dynamic U.S. Monthly Income Fund Select -4.00 % -5.61 % -2.68 % -0.64 %       $3,275 $9.789 $9.738
Equitable Life Dynamic Value Balanced Fund Select -3.36 % -5.44 % -4.98 % -5.50 % -0.54 % 0.57 %   $7,242 $11.156 $11.113
Equitable Life Mackenzie Canadian All Cap Balanced Fund Select -4.08 % -7.32 % -7.36 % -9.44 % 3.49 % 1.78 %   $13,553 $11.897 $11.799
Equitable Life Mackenzie Income Fund Select -1.11 % -2.71 % -3.30 % -3.22 % 1.67 % 2.54 %   $17,430 $11.878 $11.843
Equitable Life Mackenzie Ivy Canadian Balanced Fund Select -5.26 % -6.71 % -6.03 % -7.17 %       $4,800 $9.910 $9.845
Equitable Life Mackenzie Ivy Global Balanced Fund Select -4.36 % -3.80 % -0.28 % -0.46 %       $13,520 $9.879 $9.802
Equitable Life Trimark Diversified Yield Fund Select -5.70 % -12.16 % -12.04 % -13.10 %       $5,636    
Equitable Life Trimark Global Balanced Fund Select -3.66 % -7.12 % -7.02 % -8.01 % 0.81 % 2.80 %   $59,587 $12.822 $12.730
Domestic Equities
Equitable Life Bissett Canadian Equity Fund Select -6.40 % -10.41 % -10.73 % -11.81 % 3.35 % 1.67 %   $15,051 $12.475 $12.400
Equitable Life Bissett Dividend Income Fund Select -5.02 % -7.45 % -6.47 % -7.64 % 3.92 % 1.43 %   $66,922 $12.389 $12.317
Equitable Life Canadian Equity Value Fund Select -5.50 % -7.45 % -9.09 % -8.10 % 2.29 % 2.11 %   $9,023 $14.316 $14.208
Equitable Life Canadian Stock Fund Select -5.22 % -9.24 % -9.70 % -6.93 % 3.25 % 3.97 %   $16,340 $15.499 $15.375
Equitable Life Dynamic Equity Income Fund Select -6.44 % -7.82 % -4.89 % -5.57 %       $10,483 $10.367 $10.284
Foreign Equities
Equitable Life Dynamic American Fund Select -5.16 % -9.79 % -0.70 % 12.54 % 8.94 % 11.25 %   $53,482 $19.839 $19.632
Equitable Life Dynamic Global Discovery Fund Select -3.96 % -9.91 % -4.59 % 3.68 % 5.52 % 9.46 %   $34,150 $17.855 $17.731
Equitable Life Mackenzie Global Small Cap Growth Fund Select -6.78 % -17.70 % -19.41 % -18.16 % -1.89 % 1.11 %   $9,640 $13.212 $13.066
Equitable Life Trimark Europlus Fund Select -1.14 % -8.71 % -12.18 % -9.14 % -1.43 % 3.24 %   $10,245 $14.151 $13.995
Equitable Life Trimark Fund Select -5.83 % -10.15 % -8.49 % -5.15 %       $8,660 $10.123 $9.969
Equitable Life Trimark International Companies Fund Select -4.18 % -11.59 % -14.93 % -14.47 % 1.78 % 6.72 %   $54,243 $16.116 $15.883
Portfolio Funds
Equitable Life Active Balanced Growth Portfolio Select -4.33 % -7.64 % -6.20 % -6.32 % 1.88 % 2.76 %   $18,248 $12.411 $12.323
Equitable Life Active Balanced Income Portfolio Select -2.42 % -4.83 % -4.93 % -4.73 % 0.40 % 1.60 %   $7,603 $11.401 $11.362
Equitable Life Active Balanced Portfolio Select -2.94 % -5.58 % -5.03 % -4.97 % 1.26 % 2.19 %   $20,953 $11.839 $11.779
Equitable Life Invesco Intactive Balanced Growth Portfolio Select -2.67 % -6.67 % -7.70 % -8.13 % 1.12 % 1.10 %   $17,959 $11.080 $11.032
Equitable Life Invesco Intactive Balanced Income Portfolio Select -1.67 % -4.98 % -6.16 % -6.27 % 0.77 % 1.26 %   $7,841 $10.981 $10.949
Equitable Life Quotential Balanced Growth Portfolio Select -3.22 % -6.13 % -6.24 % -5.99 % 0.29 % 2.39 %   $40,754 $12.482 $12.403
Equitable Life Quotential Balanced Income Portfolio Select -1.90 % -4.02 % -4.56 % -4.67 % 0.16 % 2.07 %   $19,348 $12.008 $11.961
Equitable Life Quotential Diversified Equity Portfolio Select -5.45 % -9.59 % -9.40 % -7.94 % 0.21 % 3.27 %   $15,589 $13.447 $13.281
Equitable Life Quotential Diversified Income Portfolio Select -0.92 % -2.10 % -2.72 % -3.56 % 0.01 % 1.31 %   $18,055 $11.185 $11.160
Equitable Life Quotential Growth Portfolio Select -4.53 % -8.28 % -8.16 % -7.49 % 0.13 % 2.68 %   $17,616 $12.877 $12.766

Fund Performance: Returns under 1 year are simple rates of return. All others are annual compound rates of return. All returns are net returns, i.e. they reflect changes in unit values, reinvested distributions, management fees and, where applicable, administration fees. Past performance does not guarantee future results.

ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACTHOLDER AND MAY INCREASE OR DECREASE IN VALUE.


Pivotal Solutions/Pivotal Solutions DSC & Personal Investment Portfolio+

Net Returns as of Monday, December 31, 2018 Prices Effective Friday, January 18, 2019
Fund Name 1 Month 3 Months 6 Months 1 Year 3 Years 5 Years 10 Years Total Assets (000's) Unit Value Current Unit Value Previous
Money Market
Equitable Life Money Market Fund 0.04 % 0.11 % 0.17 % 0.19 % 0.06 % 0.04 % 0.03 % $12,191 $13.963 $13.963
Fixed Income
Equitable Life Active Canadian Bond Fund 0.93 % 0.45 % -0.96 % -1.46 % -0.38 % 1.19 % 1.78 % $20,020 $21.570 $21.601
Equitable Life Templeton Global Bond Fund 3.02 % 6.80 % 3.45 % 3.37 % 0.01 % 1.55 % 2.72 % $12,278 $19.137 $19.136
Balanced and Asset Allocation
Equitable Life Asset Allocation Fund -2.61 % -5.22 % -5.68 % -3.88 % 1.72 % 3.47 % 4.72 % $15,296 $28.001 $27.855
Equitable Life Dynamic Value Balanced Fund -3.37 % -5.48 % -5.10 % -5.75 % -0.85 % 0.23 %   $3,478 $11.182 $11.139
Equitable Life Mackenzie Canadian All Cap Balanced Fund -4.12 % -7.39 % -7.54 % -9.70 % 3.20 % 1.46 %   $2,154 $12.008 $11.909
Equitable Life Trimark Diversified Yield Fund -5.74 % -12.29 % -12.27 % -13.53 % -0.86 % -1.76 % 2.16 % $4,008 $10.033 $9.964
Equitable Life Trimark Global Balanced Fund -3.69 % -7.22 % -7.22 % -8.40 % 0.42 % 2.41 % 5.61 % $8,515 $16.256 $16.141
Domestic Equities
Equitable Life Bissett Canadian Equity Fund -6.44 % -10.53 % -10.95 % -12.19 % 1.27 % 0.20 % 1.57 % $6,810 $7.633 $7.588
Equitable Life Bissett Dividend Income Fund -5.04 % -7.51 % -6.57 % -7.86 % 3.68 % 1.23 % 6.03 % $67,334 $19.532 $19.418
Equitable Life Canadian Equity Value Fund -5.52 % -7.51 % -9.19 % -8.33 % 2.06 % 1.85 % 5.64 % $16,007 $35.427 $35.160
Equitable Life Canadian Stock Fund -5.25 % -9.31 % -9.83 % -7.21 % 3.00 % 3.77 % 6.07 % $29,495 $37.099 $36.801
Equitable Life Invesco Canadian Premier Growth Fund -5.37 % -11.35 % -13.37 % -11.62 % -1.84 % 1.76 % 5.47 % $6,564 $21.970 $21.786
Foreign Equities
Equitable Life American Growth Fund -6.38 % -8.23 % -4.39 % -0.11 % 4.66 % 9.58 % 9.63 % $13,143 $20.183 $19.953
Equitable Life Dynamic Far East Value Fund -0.62 % -5.90 % -12.55 % -12.12 % 1.29 % 4.60 % 9.54 % $6,001 $17.190 $17.052
Equitable Life Dynamic Power Global Growth Fund -7.01 % -20.54 % -23.49 % -16.77 % 3.45 % 8.12 % 12.28 % $12,700 $30.706 $30.273
Equitable Life Mackenzie Global Small Cap Growth Fund -6.83 % -17.81 % -19.61 % -18.54 % -2.36 % 0.66 % 8.37 % $4,898 $17.749 $17.554
Equitable Life Templeton Growth Fund -5.97 % -10.55 % -9.56 % -8.81 % 0.98 % 4.12 % 6.97 % $4,484 $15.106 $14.982
Equitable Life Trimark Europlus Fund -1.18 % -8.84 % -12.38 % -9.59 % -1.95 % 2.71 % 7.02 % $4,165 $19.469 $19.256
Equitable Life Trimark International Companies Fund -4.22 % -11.74 % -15.17 % -14.92 % 1.45 % 6.35 % 7.96 % $5,990 $14.657 $14.445
Portfolio Funds
Equitable Life Active Balanced Portfolio -2.95 % -5.59 % -5.05 % -5.02 % 1.17 % 2.09 %   $3,233 $12.499 $12.435
Equitable Life Quotential Balanced Income Portfolio -1.92 % -4.06 % -4.65 % -4.85 % -0.05 % 1.86 % 4.67 % $18,427 $14.694 $14.635
Equitable Life Quotential Balanced Growth Portfolio -3.25 % -6.24 % -6.44 % -6.38 % -0.13 % 1.96 % 5.31 % $53,051 $14.978 $14.883
Equitable Life Quotential Diversified Equity Portfolio -5.48 % -9.71 % -9.59 % -8.31 % -0.21 % 2.86 % 6.23 % $17,749 $15.086 $14.901
Equitable Life Quotential Diversified Income Portfolio -0.93 % -2.13 % -2.77 % -3.66 % -0.08 % 1.21 % 3.99 % $23,901 $14.705 $14.673
Equitable Life Quotential Growth Portfolio -4.57 % -8.34 % -8.33 % -7.82 % -0.24 % 2.23 % 5.90 % $24,554 $15.033 $14.904

Fund Performance: Returns under 1 year are simple rates of return. All others are annual compound rates of return. All returns are net returns, i.e. they reflect changes in unit values, reinvested distributions, management fees and, where applicable, administration fees. Past performance does not guarantee future results.

ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACTHOLDER AND MAY INCREASE OR DECREASE IN VALUE.



Pivotal Solutions II+

Net Returns as of Monday, December 31, 2018 Prices Effective Friday, January 18, 2019
Fund Name 1 Month 3 Months 6 Months 1 Year 3 Years 5 Years 10 Years Total Assets (000's) Unit Value Current Unit Value Previous
Money Market
Money Market 0.04 % 0.11 % 0.17 % 0.19 % 0.06 % 0.04 % 0.03 % $12,191 $13.963 $13.963
Fixed Income
Active Canadian Bond Fund B 0.88 % 0.28 % -1.29 % -2.18 % -1.06 % 0.51 % 1.22 % $936 $20.214 $20.242
Balanced and Asset Allocation
Equitable Life Trimark Diversified Yield Fund B -5.79 % -12.39 % -12.46 % -13.90 % -1.28 % -2.18 % 1.78 % $1,179 $9.588 $9.522
Equitable Life Trimark Global Balanced Fund B -3.73 % -7.31 % -7.42 % -8.79 % -0.01 % 2.01 % 5.29 % $748 $15.668 $15.557
Domestic Equities
Equitable Life Bissett Canadian Equity Fund B -6.46 % -10.60 % -11.10 % -12.51 % 0.93 % -0.13 % 1.18 % $2,073 $7.284 $7.240
Equitable Life Bissett Dividend Income Fund B -5.06 % -7.54 % -6.69 % -8.16 % 3.34 % 0.88 % 5.74 % $2,442 $18.857 $18.747
Equitable Life Canadian Equity Value Fund B -5.54 % -7.60 % -9.35 % -8.65 % 1.67 % 1.50 % 5.33 % $1,372 $34.125 $33.869
Equitable Life Invesco Canadian Premier Growth Fund B -5.38 % -11.43 % -13.52 % -11.96 % -2.23 % 1.37 % 5.16 % $1,404 $21.179 $21.002
Foreign Equities
American Growth Fund B -6.32 % -8.24 % -4.49 % -0.45 % 4.27 % 9.08 % 9.30 % $1,037 $19.409 $19.188
Equitable Life Dynamic Far East Value Fund B -0.67 % -5.98 % -12.67 % -12.41 % 0.92 % 4.24 % 9.24 % $876 $16.597 $16.464
Equitable Life Dynamic Power Global Growth Fund B -7.07 % -20.63 % -23.64 % -17.08 % 3.08 % 7.82 % 12.04 % $4,036 $29.830 $29.410
Equitable Life Mackenzie Global Small Cap Growth Fund B -6.95 % -17.96 % -19.81 % -19.00 % -2.67 % 0.43 % 8.35 % $433 $17.613 $17.420
Equitable Life Templeton Growth Fund B -5.99 % -10.62 % -9.71 % -9.49 % 0.53 % 3.74 % 6.70 % $497 $14.654 $14.534
Equitable Life Trimark Europlus Fund B -1.19 % -8.84 % -12.42 % -9.67 % -2.03 % 2.63 % 6.99 % $993 $19.318 $19.107
Equitable Life Trimark International Companies Fund B -4.30 % -11.86 % -15.33 % -15.32 % 0.95 % 5.99 % 7.65 % $470 $14.135 $13.931
Portfolio Funds
Equitable Life Quotential Balanced Growth Portfolio B -3.28 % -6.31 % -6.58 % -6.65 % -0.42 % 1.68 % 5.06 % $11,306 $14.532 $14.441
Equitable Life Quotential Balanced Income Portfolio B -1.95 % -4.17 % -4.83 % -5.19 % -0.40 % 1.54 % 4.38 % $2,644 $14.181 $14.125
Equitable Life Quotential Diversified Equity Portfolio B -5.48 % -9.72 % -9.63 % -8.41 % -0.32 % 2.76 % 6.15 % $5,765 $14.904 $14.721
Equitable Life Quotential Diversified Income Portfolio B -0.96 % -2.23 % -2.96 % -4.00 % -0.42 % 0.89 % 3.69 % $1,303 $14.183 $14.151
Equitable Life Quotential Growth Portfolio B -4.59 % -8.41 % -8.45 % -8.03 % -0.49 % 1.98 % 5.69 % $7,150 $14.639 $14.513

Fund Performance: Returns under 1 year are simple rates of return. All others are annual compound rates of return. All returns are net returns, i.e. they reflect changes in unit values, reinvested distributions, management fees and, where applicable, administration fees. Past performance does not guarantee future results.

ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACTHOLDER AND MAY INCREASE OR DECREASE IN VALUE.


Guaranteed Interest Account (GIA)

Rates effective 12:01AM Thursday, January 17, 2019
Daily Interest Account 0.050 %
GIA   Band 1 Band 2 Band 3
1 year 1.600 % 1.600 % 1.600 %
2 years 1.700 % 1.700 % 1.700 %
3 years 2.000 % 2.000 % 2.000 %
4 years 2.050 % 2.050 % 2.050 %
5 years 2.200 % 2.200 % 2.200 %
6 years 2.200 % 2.200 % 2.200 %
7 years 2.200 % 2.200 % 2.200 %
8 years 2.200 % 2.200 % 2.200 %
9 years 2.200 % 2.200 % 2.200 %
10 years 2.250 % 2.250 % 2.250 %
15 years * 2.250 % 2.250 % 2.250 %
** Note Simple Interest: The rate for monthly payment of interest is equal to the posted rate less 0.25%
Banding: Band 1: $500-$24,999; Band 2: $25,000-$49,999; Band 3: $50,000+
*for compound interest only

Personal Investment Portfolio (PIP)+

Rates effective 12:01AM Thursday, January 17, 2019
Daily Interest Account 0.050 %
GIA   Band 1 Band 2 Band 3
1 year 1.600 % 1.600 % 1.600 %
2 years 1.700 % 1.700 % 1.700 %
3 years 2.000 % 2.000 % 2.000 %
4 years 2.050 % 2.050 % 2.050 %
5 years 2.200 % 2.200 % 2.200 %
6 years 2.200 % 2.200 % 2.200 %
7 years 2.200 % 2.200 % 2.200 %
8 years 2.200 % 2.200 % 2.200 %
9 years 2.200 % 2.200 % 2.200 %
10 years 2.250 % 2.250 % 2.250 %
** Note Band 1: $500-$24,999; Band 2: $25,000-$49,999; Band 3: $50,000+


Retirement Income Fund (RIF), Life Income Fund (LIF), Interest Income Fund (IIF)+

Note: Interest Income Fund (IIF) is no longer available for new sales

Rates effective 8PM Thursday, January 17, 2019
Daily Interest Account 0.050 %
GIA   Annual   Compound
  Band 1 Band 2 Band 3   Band 1 Band 2 Band 3
1 year 1.600 % 1.600 % 1.600 % 1 year 1.600 % 1.600 % 1.600 %
2 years 1.700 % 1.700 % 1.700 % 2 years 1.700 % 1.700 % 1.700 %
3 years 2.000 % 2.000 % 2.000 % 3 years 2.000 % 2.000 % 2.000 %
4 years 2.050 % 2.050 % 2.050 % 4 years 2.050 % 2.050 % 2.050 %
5 years 2.200 % 2.200 % 2.200 % 5 years 2.200 % 2.200 % 2.200 %
6 years 2.200 % 2.200 % 2.200 % 6 years 2.200 % 2.200 % 2.200 %
7 years 2.200 % 2.200 % 2.200 % 7 years 2.200 % 2.200 % 2.200 %
8 years 2.200 % 2.200 % 2.200 % 8 years 2.200 % 2.200 % 2.200 %
9 years 2.200 % 2.200 % 2.200 % 9 years 2.200 % 2.200 % 2.200 %
10 years 2.250 % 2.250 % 2.250 % 10 years 2.250 % 2.250 % 2.250 %
TDA
RIF & LIF ONLY (NOTE: Compound Interest Not Available)
  Band 1 Band 2 Band 3
10 years 2.250 % 2.250 % 2.250 %
15 years 2.250 % 2.250 % 2.250 %
** Note Band 1: $500-$24,999; Band 2: $25,000-$49,999; Band 3: $50,000+
The rate for Monthly Payment of Interest = Annual Payment rate less .25%
+Pivotal Solutions/Pivotal Solutions DSC, Personal Investment Portfolio (PIP), Pivotal Solutions II, and Interest Income Fund (IIF) are no longer available for new sales.
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