Title: Investment Products Ideal Segregated Funds Term Funds Annuities
1Investment ProductsIdeal Segregated FundsTerm
FundsAnnuities
- Ideal Segregated Funds and Term Funds are offered
under Standard Lifes savings and retirement
income plans, which are insurance products. A
description of the key features of Standard
Lifes Ideal Segregated Funds is contained in the
information folder. Subject to any applicable
death and maturity guarantee, any part of the
premium or other amount allocated to an Ideal
Segregated Fund is invested at the risk of the
policyholder and may increase or decrease in
value according to fluctuations in the market
value of the assets of the Ideal Segregated Fund. - The Standard Life Assurance Company of Canada
- March 2005
2Term Fund Plus
- Minimum Deposit 25,000
- Customized Terms of 5 to 10 years
3Ideal Segregated Funds
- The Standard Life Advantage
- Low management fees guaranteed not to exceed 3
- 5 year Back End Schedule
- Standard Life Investment Management
institutional portfolio managers with a proven
track record for core investment management - Easy to do business with
- Ideal Solutions by phone 1-888-841-6633 NO
PAPERWORK! - Client Info
- Coming soon new client statements
4Who are segregated fund policies appropriate for?
- Business owners Creditor Protection
- Retirement Market Estate Planning, Probate
Avoidance 50 - Risk adverse investors who want exposure to
equity and bond markets investment guarantees - RSP Investors Asset Allocation Funds
5Segregated Fund Policy Advantages
NON-REGISTERED MUTUAL FUND SEG FUND
Potential Creditor Protection (1) No Yes
Death Benefit Guarantee No Yes
Maturity Guarantee No Yes
Probate Fee avoidance (2) No Yes
Estate Fees avoided No Yes
Privacy No Yes
Quick proceeds at death No Yes
Non-registered Successor Annuitant No Yes
There are important limitations with respect to this protection, particularly in the province of Quebec, and this summary is of a very general nature and does not include all possible considerations. You should consult your legal advisor with respect to your particular circumstances to find out if you are eligible for this kind of protection and the limits of such protection. Not applicable in Quebec as notarial wills do not need to be probated by the court and, for non-notarial wills, probate fees are nominal. There are important limitations with respect to this protection, particularly in the province of Quebec, and this summary is of a very general nature and does not include all possible considerations. You should consult your legal advisor with respect to your particular circumstances to find out if you are eligible for this kind of protection and the limits of such protection. Not applicable in Quebec as notarial wills do not need to be probated by the court and, for non-notarial wills, probate fees are nominal. There are important limitations with respect to this protection, particularly in the province of Quebec, and this summary is of a very general nature and does not include all possible considerations. You should consult your legal advisor with respect to your particular circumstances to find out if you are eligible for this kind of protection and the limits of such protection. Not applicable in Quebec as notarial wills do not need to be probated by the court and, for non-notarial wills, probate fees are nominal.
6Low Fee StructureCore Funds MERs Shown
Source Bellcharts, June 30, 2004
7Standard Life Investments Inc. (Canada)
- Providing investment management services in
Canada since 1973 - Global expertise
- Team of 38 investment professionals
- Average of 15 years investment experience, 8
years with Standard Life - Actively managed assets were over 24 billion
Cdn
As of December 2004
8Consistent Portfolio Management for all Mandates
SLI TEAM
Mutual Funds Segregated Funds
Endowments
Pension Funds
9Investment philosophy
- We believe that proprietary fundamental research
and risk management is the key driver of
consistent performance - Use a multi-factor approach
- We employ a team based approach across asset
classes, business areas and regional offices - Active Manager Focus on Change
- What are the key drivers?
- What is changing?
- What expectations are implied in the price?
- Why will the market change its mind about these
expectations? - What is the trigger?
10Standard Lifes 16 Ideal Segregated Funds
- Fixed Income Funds
- Ideal Money Market Fund
- Ideal Canadian Bond Fund
- Ideal Corporate High Yield Bond Fund
- Ideal International Bond Fund
- Balanced Funds
- Ideal Income Balanced Fund
- Ideal Balanced Fund
- Ideal Monthly Income Fund
- Equity Funds
- Ideal Canadian Dividend Growth Fund
- Ideal Global Dividend Growth Fund
- Ideal Canadian Equity Fund
- Ideal Canadian Small Cap Fund
- Ideal U.S. Equity Fund
- Ideal SP 500 Index Fund
- Ideal Tactical U.S. Equity Fund
- Ideal International Equity Fund
- Ideal Tactical Global Equity Fund
- This fund invests in an underlying Standard
Life Mutual Fund.
114 Ideal PortfoliosAll-in-one solution
Efficient Frontier
Aggressive Portfolio
Growth Portfolio
Moderate Portfolio
Conservative Portfolio
- Mix of fixed and variable investment vehicles
- Based on Investor Profiles
- Optimization along the efficient frontier
- General guideline for advisors using stand-alone
funds
The Efficient Frontier represents the portfolios
that will provide the highest return for a given
level of risk.
This presentation is not intended to be
communicated or otherwise passed on to investors
12Canadian Dividend Growth Fund Investment Strategy
- Track record of Tax Efficiency has been
exceptional - Low turnover, buy and hold, large cap style
- Conservative approach suitable for older age
market - Dividends expected to be in favor
13Dividend Growth Fund
14Income Balanced
15Ideal Global Dividend Growth Fund Investment
Mandate
- Complement to our Canadian Dividend Growth Fund
and is a good foreign fund of blue chips for
more conservative investors - The objective is to provide stable performance in
up or down markets - The portfolio is diversified by country, sector
and market capitalization - The nature of the mandate should result in a
volatility of returns lower than that of the
MSCI-World Index
16Holding Report
For advisors only
- Current dividend yield is 2.2 (MSCI World
1.6) - Currently overweighed in Canada Europe
As of Oct. 31st, 2004
This presentation is not intended to be
communicated or otherwise passed on to investors
12
17Dividend Achievers
For advisors only
- Index developed by Mergent composed solely of
stocks of some 300 companies that have
continuously increased their dividends for the
past 10 years at minimum.
Source www.mergent.com
This presentation is not intended to be
communicated or otherwise passed on to investors
5
18Hedge in a Down Market
For advisors only
Source www.mergent.com
This presentation is not intended to be
communicated or otherwise passed on to investors
6
19The Time is Right for Dividends
For advisors only
- Investor focus has shifted
- Lessons of the bear market
- Increased corporate governance
- Taxes are down
- US Dividend taxes now at par with capital gains
- Profit growth stronger than anticipated
- SP 500 (Q2/2004) earnings from continuing
operations rose 26 vs. estimated 14.9 - More companies are making big payouts
- For the first half of 2004, there were 895
dividend increases, a 13.6 increase from 2003
and a 19.8 increase from the same period in 2002 - 370 companies in the SP 500 are now paying
dividends (435 in 1994, 351 in 2002)
Source Business Week, March 1, 2004 Thomson
First Call, August 2004
This presentation is not intended to be
communicated or otherwise passed on to investors
7
20In Summary
For advisors only
- Alternative for investors concerned about market
volatility - Investors should highly consider dividend paying
stocks in todays market - Potential for long-term capital appreciation
- Aim to deliver stable and attractive returns
- Global investment for Increased portfolio
diversification - Both are managed by the award-winning team of
Standard Life Investments
This presentation is not intended to be
communicated or otherwise passed on to investors
18