People performance progress people performance progress protection Financial Solutions for Life ® November 2004.

people

performance

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people

performance

progress

protection

Financial Solutions for Life®

November 2004

AGENDA

Welcome Annual General Meeting (video) Introducing Personal Investment Portfolio

enhancements McLean Budden Savings and Retirement products in – Windows They’re Back … Break (15 minutes) Franklin Templeton What we’ve done in 2003 How to make more money at RRSP time Conference 2005

AGENDA


enhancements McLean Budden Savings and Retirement products in – Windows They’re Back … Break (15 minutes) AIM Trimark What we’ve done in 2003 How to make more money at RRSP time Conference 2005

AGENDA


enhancements McLean Budden Savings and Retirement products in – Windows They’re Back … Break (15 minutes) Bissett What we’ve done in 2003 How to make more money at RRSP time Conference 2005

Our Vision

“A team of quality employees and independent producers focused

on…delivering competitive products and superior service to target markets… applying technology and continuous

improvement…consistent profit, financial strength and enduring

stability”

The Equitable Life Annual General Meeting

Shortcut goes here

Introducing…


Introducing…


personal investment portfolio

All of the features you liked… Contract-Based Maturity and

Death Benefit Guarantees Internal Dollar Cost Averaging Guaranteed Deposit Accounts and

Segregated Funds in one convenient package

And more…


Some great enhancements effective January 5th, 2004 on both in force and NEW business Seven more segregated funds – bringing our

total to SEVENTEEN! Additional GDA Terms (61 – 119 months) Asset Rebalancing More materials to support your sale

• Investor Profiler

Moved the entire Savings and Retirement Line into a Windows® illustration platform


Equitable Life’s Segregated Fund Selection Process

Fund Manager Selection Philosophy

Funds must be “Brand Name” Fund Managers must be easily recognizable by our

producers

Funds must be considered “Top Performing” Net quarterly returns must have been in the 1st or 2nd

quartile for at least five years

The partnership must be profitable Where we can offer recognizable brand name funds

with competitive Management Expense Ratios

Fund Manager will provide acceptable support Assisting us in achieving our service standards

Possible Fund Region Categories

Canada

United States

Developed MarketsDeveloped Markets

WORLD

North America Europe Asia Pacific

EMU

Emerging MarketsEmerging Markets

Eastern Europe

Latin America

Far EastEurope &

Middle East

Emerging markets, specialty and sector funds are too volatile for Equitable Life and its policyholders. It is advisable to remain within developed market regions (i.e. North America, Europe, EAFE, etc.).

EAFE

Current Individual Fund Offerings

Equity Styles

GrowthStyle

Core/Garp Style

ValueStyle

Fixed Income

Large Cap

Mandate

No Cap Mandate

Small& MidCap

Mandate

Canadian Stock

World

EAFE

Canada

United States

Asset Allocation Money Market

Canadian Bond.

American Growth

US Equity

European

Asian Pacific

International

Int’l. Fixed Income

New Individual Fund OfferingsEquity Styles

GrowthStyle

Core/Garp Style

ValueStyle

Fixed Income

Large Cap

Mandate

No Cap Mandate

Small& MidCap

Mandate

Canadian Stock

World

EAFE

Canada

United States

Asset AllocationMoney Market

Canadian Bond.

American Growth

US

European

Asian Pacific

InternationalInt’l. Fixed Income

Cdn. Dividend Income

Cdn. Equity Growth

European

Global Balanced

US Small Companies

Cdn. Equity Value

Global Growth

New Fund Offerings

The new Segregated Funds, when combined with our existing Segregated Funds and the ability to have Guaranteed Deposit Accounts all in one package, enable you to design a portfolio to meet all of your clients’ unique investment styles and needs.


Strategic Partnerships McLean Budden and Franklin

Templeton are already strategic partners


Mackenzie is a newer strategic alliance (in May with Linked Interest Options)

Aim Trimark and Bissett are brand new strategic partners with Equitable Life.


Segregated Fund Family Fixed Income Funds

• Money Market Fund (100% RRSP Eligible)

• Canadian Bond Fund (100% RRSP Eligible)

• Equitable Life Templeton Global Bond Fund (formerly the International Fixed Income Fund, name change effective January 5, 2004) (Eligible as foreign content only)

Balanced and Asset Allocation• Asset Allocation Fund (100% RRSP Eligible)

• Equitable Life Trimark Global Balanced Fund (effective January 5, 2004) (Eligible as foreign content only)


Segregated Fund Family Domestic Equity

• Canadian Stock Fund• Equitable Life AIM Canadian Premier Fund*• Equitable Life Bissett Dividend Income Fund*

• Equitable Life MB Canadian Equity Value Fund*

Foreign Equity• Asian-Pacific Equity Fund• Equitable Life Templeton Growth Fund* • Equitable Life Trimark Europlus Fund*• European Equity Fund• International Fund *Effective January 5, 2004


Segregated Fund Family U.S. Equity

• American Growth Fund• Equitable Life Mackenzie Universal US

Emerging Growth Fund*• U.S. Equity Fund

*Effective January 5, 2004


Guaranteed Deposit Accounts Currently offer Terms of 12 – 60

months and 10 years Effective January 5, 2004, clients

can select terms from 61 – 119 months as well!


Asset Rebalancing Option Helps ensure your clients’ asset mix

remains consistent with their financial objectives

Internal transfers are performed on the elected funds to restore the asset mix chosen by the client

Can be performed on as many or as few funds as your client elects

Available on the Segregated Funds only


Opening Value

SelectedRebalancePercentage

PercentageEnd of Year

Valueat Endof Year

ValueAfter

Rebalance

PercentageAfter

Rebalance

Fund 1

Fund 2

Fund 3

Fund 4

$3,000

$2,000

$5,000

$1,500

30%

20%

50%

N/A

$3,200

$1,900

$5,700

$1,580 N/A

29.6%

17.6%

52.8%

$3,240

$2,160

$5,400

$1,580 N/A

30%

20%

50%

Example: Your client has elected to rebalance 3 of their 4 funds on an annual basis

In this example, $300 is transferred from Fund 3 ($40 to Fund 1 and $260 to Fund 2) on the rebalancing date. Fund 4 has been excluded.


Investment Profiler Studies suggest that Asset Allocation

accounts for 90% of the variability or returns in a portfolio

Equitable Life’s Investor Profiler questionnaire assists in matching the portfolio that is unique to your client based on time frame, risk tolerance and financial objectives

The results assist in determining which asset classes should be allocated to your client’s portfolio and in which proportions.


Strategic Asset Allocation Creates a portfolio consistent with time

horizon, risk tolerance and financial goalsDynamic Asset Allocation

Systematic rebalancing of a portfolio to maintain the original Strategic Asset Allocation

Tactical Asset Allocation Equitable’s actively managed Segregated

Funds shift their holdings based on changes in market cycle shifts or other opportunities


With the Asset Rebalancing option and the assistance of the Investment Profiler you can meet all of your clients’ unique portfolio requirements

Investment Profiles: Conservative

• 100% Guaranteed (Guaranteed Deposit Accounts)


Moderate Conservative - 50% Guaranteed, 30% Balanced/Fixed Income, 20% Equity

Balanced – 20% Guaranteed, 30% Balanced/ Fixed Income, 50% Equity

Moderate Aggressive – 30% Balanced/Fixed Income, 70% Equity

Aggressive – 10% Balanced/Fixed Income, 90% Equity


Equitable’s Investments Conservative BalancedModerate

ConservativeModerate

AggressiveAggressive

Guaranteed•Guaranteed Deposit Accounts(Terms 12 – 120 months)

Domestic Equity:•Canadian Stock•Equitable Life AIM Canadian Premier•Equitable Life Bissett Dividend Income•Equitable Life MB Canadian Equity ValueForeign Equity:•Asian Pacific Equity•Equitable Life Templeton Growth Fund•Equitable Life Trimark Europlus Fund•European Equity Fund•International FundU.S. Equity•American Growth Fund•Equitable Life Mackenzie Universal US Emerging Growth•U.S. Equity Fund

•Canadian Bond•Equitable Life Templeton Global Bond•Asset Allocation•Equitable Life Trimark Global Balanced•Money Market

Investment Profile Categories:

Balanced/Fixed

Income

Equity

100% 50%

30%

20%

20%

30%

50%

30% 10%

70% 90%

Investor Profiler

More Marketing Materials

Financial Advisors GuideEquitable Life Investment

Management Team BrochurePersonal Investment Portfolio

Client BrochureProtection For Your EstateMore to come…


Moved the Illustrations system from DOS to Windows® for all Savings and Retirement Products

People performance progress people performance progress protection Financial Solutions for Life ® November 2004.

Documents