Sun Life REGATTA GOLD Annuity Investment Model Portfolios

Investment options of Sun Life REGATTA GOLD Annuity

Total Available Funds: 84

Asset Class

Ticker

Description

Others
Moderate Allocation	ABWBX	ABWBX,AllianceBernstein Balanced Wealth Strategy Portfolio (Class B)
World Allocation	MALOX	MDLOW,BlackRock Global Allocation V.I. Fund (Class III)
Moderate Allocation	FBALX	FBALX,Fidelity VIP Balanced Portfolio (Service Class 2)
Target Date 2000-2010	FFFCX	FFFCX,Fidelity VIP Freedom 2010 Portfolio (Service Class 2) (a)
Target Date 2011-2015	FFVFX	FFVFX,Fidelity VIP Freedom 2015 Portfolio (Service Class 2)
Target Date 2016-2020	FFFDX	FFFDX,Fidelity VIP Freedom 2020 Portfolio (Service Class 2)
Conservative Allocation	FKINX	FKINX,Franklin Income Securities Fund (Class 2)
Moderate Allocation	FFALX	FFALX,Franklin Templeton VIP Founding Funds Allocation Fund Class 2 (b)
Moderate Allocation	UEIIX	UEIIX,Invesco Van Kampen V.I. Equity and Income Fund (Series II) (d)
Moderate Allocation	VBINX	VBINX,MFS Global Tactical Allocation Portfolio – S Class
ROOT	CASH	MCMXX,MFS Money Market Portfolio S Class (m)(n)
Moderate Allocation	MSFRX	MSFRX,MFS Total Return Portfolio S Class (h)
Utilities	MMUFX	MMUFX,MFS Utilities Portfolio S Class (h)
Moderate Allocation	OPASX	OPASX,Oppenheimer Balanced Fund/VA (Service Shares) (q)
Moderate Allocation	PAALX	PAALX,PIMCO All Asset Portfolio (Admin) (m)
World Allocation	PGMAX	PGMAX,PIMCO Global Multi-Asset Portfolio (Advisor),A
Moderate Allocation	SIBSX	SIBSX,SC Ibbotson Balanced Fund S Class
Moderate Allocation	PIALX	SIMSX,SC Ibbotson Moderate Fund S Class
ROOT	CASH	SMSXX,Sun Capital Money Market Fund S Class (n),INITIAL CLASS

INTERNATIONAL EQUITY
Foreign Large Growth	AWPBX	AWPBX,AllianceBernstein International Growth Portfolio (Class B)
Foreign Large Value	ABIBX	ABIBX,AllianceBernstein International Value Portfolio (Class B) (a)
Foreign Large Growth	MBIOX	MBIOX,Columbia Marsico International Opportunities Fund, VS Class B
Foreign Small/Mid Value	FEOVX	FEOVX,First Eagle Overseas Variable Fund
WORLD STOCK	MWOFX	MWOFX,MFS Global Growth Portfolio S Class (h)(k)
WORLD STOCK	MWEIX	MMEFX,MFS Global Research Portfolio (Service Class) (j)(h)
Foreign Large Growth	MGRAX	MGRAX,MFS International Growth Portfolio S Class
Foreign Large Value	MGIAX	MGIAX,MFS International Value Portfolio S Class
Foreign Large Blend	MRSAX	MRSAX,MFS Research International Portfolio S Class
WORLD STOCK	OPPAX	OPPAX,Oppenheimer Global Securities Fund/VA Svc
Foreign Large Value	ABIYX	SABSX,SC AllianceBernstein International Value Fund S Class
Foreign Large Value	TEMFX	TEMFX,Templeton Foreign Securities Fund (Class 2) (m)
WORLD STOCK	TEPLX	TEPLX,Templeton Growth Securities Fund (Class 2)

US EQUITY
LARGE GROWTH	NMTBX	NMTBX,Columbia Marsico 21st Century Fund, VS Class B
LARGE GROWTH	NGIBX	NGIBX,Columbia Marsico Growth Fund, VS Class B
LARGE GROWTH	FCNTX	FCNTX,Fidelity VIP Contrafund Portfolio (Service Class 2)
Mid-Cap Growth	FMCSX	FMCSX,Fidelity VIP Mid Cap Portfolio (Service Class 2)
SMALL VALUE	FRVLX	FRVLX,Franklin Small Cap Value Securities Fund (Class 2)
LARGE VALUE	ACSTX	ACSTX,Invesco Van Kampen V.I. Comstock Fund (Series II) (c)
MID-CAP VALUE	UMCCX	UMCCX,Invesco Van Kampen V.I. Mid Cap Value Fund (Series II) (e)
LARGE BLEND	LDFVX	LDFVX,Lord Abbett Series Fund – Fundamental Equity Portfolio VC (g)
Mid-Cap Growth	LMGAX	LMGAX,Lord Abbett Series Fund – Growth Opportunities Portfolio VC
LARGE BLEND	MUEAX	MUEAX,MFS Blended Research Core Equity Portfolio S Class (j)(h)
LARGE BLEND	MRGAX	MRGAX,MFS Core Equity Portfolio S Class
LARGE GROWTH	MFEGX	MFEGX,MFS Growth Portfolio S Class (j)(h)
LARGE GROWTH	MIGFX	MIGFX,MFS Massachusetts Investors Growth Stock Portfolio S Class (j)
Mid-Cap Growth	OTCAX	MFS Mid Cap Growth Portfolio S Class (k)
Small Growth	MNDAX	MNDAX,MFS New Discovery Portfolio S Class (j)(h)
LARGE VALUE	MEIAX	MEIAX,MFS Value Portfolio S Class (h)
Mid-Cap Growth	DGRAX	DGRAX,Morgan Stanley UIF Mid Cap Growth Portfolio (Class II) (o)
LARGE VALUE	TESIX	TESIX,Mutual Shares Securities Fund (Class 2) (p)
LARGE GROWTH	OPTFX	OPTFX,Oppenheimer Capital Appreciation Fund/VA Svc
LARGE BLEND	MSIGX	MSIGX,Oppenheimer Main Street Fund/VA (Service Shares) (a)
SMALL BLEND	OPMSX	OPMSX,Oppenheimer Main Street Small Cap Fund/VA (Service Shares) (j)
SMALL VALUE	CSCZX	SDSSX,SC Columbia Small Cap Value Fund S Class (r)
LARGE BLEND	NYVTX	SVVSX,SC Davis Venture Value Fund S Class
MID-CAP VALUE	GSMCX	SCGMX,SC Goldman Sachs Mid Cap Value Fund I Class
MID-CAP VALUE	GSMSX	SGMCX,SC Goldman Sachs Mid Cap Value Fund S Class
LARGE BLEND	GRAAX	SIGSX,SC Ibbotson Growth Fund S Class
Small Growth	GTSVX	SASSX,SC Invesco Small Cap Growth Fund S Class (s)
LARGE BLEND	LWSYX	SCLGX,SC Lord Abbett Growth & Income Fund I Class
LARGE BLEND	SCLSX	SCLSX,SC Lord Abbett Growth & Income Fund S Class
LARGE BLEND	SOCSX	SOCSX,SC Oppenheimer Large Cap Core Fund S Class
LARGE BLEND	IOMIX	SCOMX,SC Oppenheimer Main Street Small Cap Fund S Class
Mid-Cap Growth	SBCMX	SBLSX,SC WMC Blue Chip Mid Cap Fund S Class
LARGE GROWTH	SLGSX	SLGSX,SC WMC Large Cap Growth Fund S Class

FIXED INCOME
Multisector Bond	FRSTX	FRSTX,Franklin Strategic Income Securities Fund (Class 2)
Intermediate-Term Bond	MFBFX	MFBFX,MFS Bond Portfolio S Class
Intermediate Government	MFGSX	MFGSX,MFS Government Securities Portfolio S Class
High Yield Bond	MHOAX	MHOAX,MFS High Yield Portfolio S Class (m)
Multisector Bond	MFIOX	MFIOX,MFS Strategic Income Portfolio S Class (k)
Emerging Markets Bond	PELPX	PEBAX,PIMCO Emerging Markets Bond Portfolio (Admin)
Inflation-Protected Bond	PARRX	PARRX,PIMCO Real Return Portfolio (Admin) (a)
Intermediate-Term Bond	PTRAX	PTRAX,PIMCO Total Return Portfolio (Admin) (a)
Inflation-Protected Bond	BPRIX	SBISX,SC BlackRock Inflation Protected Bond Fund S Class
SHORT GOVERNMENT	GSTGX	SGSDX,SC Goldman Sachs Short Duration Fund I Class
Muni National Short	GSFSX	SGSSX,SC Goldman Sachs Short Duration Fund S Class
High Yield Bond	IPIMX	SCPSX,SC PIMCO High Yield Fund S Class
Intermediate-Term Bond	IPTSX	SPTSX,SC PIMCO Total Return Fund S Class
Intermediate-Term Bond	SGBSX	SGBSX,Sun Capital Investment Grade Bond Fund S Class

Emerging Market
DIVERSIFIED EMERGING MKTS	LZEMX	LZEMX,Lazard Retirement Emerging Markets Equity Portfolio S Class (f)
DIVERSIFIED EMERGING MKTS	MEMAX	MEMAX,MFS Emerging Markets Equity Portfolio S Class
DIVERSIFIED EMERGING MKTS	TEDMX	TEDMX,Templeton Developing Markets Securities Fund (Class 2) (m)

COMMODITIES
COMMODITIES BROAD BASKET	PCRRX	PCRRX,PIMCO CommodityRealReturn

REAL ESTATE
REAL ESTATE	SRESX	SRESX,Sun Capital Global Real Estate Fund S Class

Investment model portfolios

We provide two types of investment model portfolios for Sun Life REGATTA GOLD Annuity participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Sun Life REGATTA GOLD Annuity Strategic Asset Allocation – Optimal Moderate	NA	24.52%	3.31%	7.13%	5.65%	6.47%	6.07%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Sun Life REGA… Moderate	-0.96	24.52	3.31	7.13	5.65	6.47	6.07	…	…	NA	0.20	6.15	12.76	-12.72	3.69	18.58	17.28	-4.04	8.54	4.99	0.46	0.22	9.88	12.28	-2.15	14.83	26.30	-27.10	9.18	13.03	11.13	12.80	25.85	-1.69	3.75	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Sun Life REGA… Moderate	NA	0.06	-0.21	0.23	0.38	NA	NA	…	…	NA	0.02	-0.05	1.09	-1.14	0.39	1.18	2.64	-0.60	1.74	0.63	0.05	0.04	1.65	1.73	-0.17	1.39	1.54	-1.31	0.69	1.29	1.63	1.72	3.65	-0.32	0.18	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.74	1.20	0.63	0.75	NA	NA	…	…	1.34	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Sun Life REGA… Moderate	NA	9.22	10.00	11.24	9.51	NA	NA	…	…	NA	6.30	9.30	7.84	12.33	9.42	15.55	6.01	8.86	4.55	7.61	8.97	5.38	5.96	7.07	12.86	10.60	16.98	21.38	8.93	7.56	5.48	6.90	6.90	8.67	7.97	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.41	14.92	16.96	18.14	NA	NA	…	…	14.11	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Sun Life REGA… Moderate	NA	8.45	18.42	20.55	20.55	NA	NA	…	…	NA	0.60	8.44	6.68	18.80	6.10	20.55	2.98	10.62	3.45	6.45	7.46	5.86	6.57	6.40	14.74	8.49	17.52	38.68	7.04	9.33	4.78	7.79	6.44	13.07	11.08	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Sun Life REGA… Moderate	NA	4.70	5.92	5.19	3.85	NA	NA	…	…	NA	NA	0.50	4.91	6.32	5.97	5.55	2.39	3.70	0.30	1.24	3.40	4.25	2.78	3.19	3.73	3.84	2.04	5.60	9.14	6.21	6.37	3.50	2.83	2.67	4.16	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.16	1.57	1.51	2.82	3.95	3.54	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.45	5.95	4.32	4.60	4.42	4.27	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, Common starting date is 12/31/2000

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Sun Life REGATTA GOLD Annuity Tactical Asset Allocation Moderate	NA	-1.82%	6.93%	3.90%	2.59%	5.88%	7.32%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.98%	9.75%	10.95%	11.06%	12.38%	9.19%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.25%	1.69%	4.40%	4.69%	6.67%	5.54%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Sun Life REGA… Moderate	-0.25	-1.82	6.93	3.90	2.59	5.88	7.32	…	…	NA	NA	0.60	4.97	-1.23	11.81	10.67	3.69	-7.14	7.61	10.01	-7.17	-1.45	14.85	14.32	-2.74	6.83	34.27	-6.30	20.46	14.93	8.14	18.22	35.50	11.96	5.47	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	-1.25	9.98	9.75	10.95	11.06	12.38	9.19	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	-0.67	6.25	1.69	4.40	4.69	6.67	5.54	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Sun Life REGA… Moderate	NA	0.05	0.27	0.46	0.27	NA	NA	…	…	NA	NA	0.04	0.10	-0.30	0.86	0.94	0.43	-1.13	1.33	1.64	-1.39	-0.23	2.08	2.64	-0.29	0.57	4.10	-0.67	1.61	1.24	0.78	1.92	5.91	2.13	0.62	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.74	1.20	0.63	0.75	NA	NA	…	…	1.34	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Sun Life REGA… Moderate	NA	7.76	10.17	9.72	8.09	NA	NA	…	…	NA	NA	8.52	7.43	8.70	13.67	11.07	5.37	7.48	5.23	6.00	5.18	6.37	7.12	5.40	9.49	11.76	8.34	10.84	10.88	9.40	7.69	9.01	5.88	5.09	5.12	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.41	14.92	16.96	18.14	NA	NA	…	…	14.11	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Sun Life REGA… Moderate	NA	5.89	12.18	17.37	21.77	NA	NA	…	…	NA	NA	2.24	5.89	8.74	10.89	17.37	4.14	12.94	3.10	4.23	9.05	7.26	6.28	4.01	11.34	10.51	4.38	17.03	9.87	13.21	6.03	10.94	2.55	4.63	4.13	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Sun Life REGA… Moderate	NA	3.98	9.24	7.25	5.50	NA	NA	…	…	NA	NA	0.00	4.14	8.29	15.83	6.15	2.46	3.16	0.36	4.58	5.04	5.69	3.96	4.44	6.28	2.52	5.60	4.64	7.70	6.65	5.46	2.62	5.77	5.71	9.13	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.16	1.57	1.51	2.82	3.95	3.54	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.45	5.95	4.32	4.60	4.42	4.27	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2023, Common starting date is 12/31/2000

Asset Allocation Composite Model Portfolio

The following model portfolio is based on the MyPlanIQ Asset Allocation Composite (AAC) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Sun Life REGATTA GOLD Annuity Asset Allocation Composite Moderate	4.37%	17.88%	12.98%	4.70%	7.16%	6.33%	7.36%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	0.66%	18.70%	21.52%	13.49%	15.39%	13.55%	10.70%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	3.88%	18.57%	14.30%	6.87%	8.64%	7.15%	6.36%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Sun Life REGA… Moderate	0.10	17.88	12.98	4.70	7.16	6.33	7.36	…	…	4.37	14.47	11.24	10.79	-12.75	1.67	7.10	22.03	-2.74	11.12	9.01	-1.58	2.26	14.24	16.38	-3.90	13.68	22.64	0.39	4.50	14.87	3.87	13.68	30.48	8.28	6.81	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	-0.42	18.70	21.52	13.49	15.39	13.55	10.70	…	…	0.66	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	0.25	18.57	14.30	6.87	8.64	7.15	6.36	…	…	3.88	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Sun Life REGA… Moderate	NA	2.07	0.97	0.23	0.56	NA	NA	…	…	0.21	1.15	0.90	0.86	-1.50	0.15	0.47	2.81	-0.40	1.86	1.42	-0.24	0.41	2.24	2.21	-0.28	1.39	2.94	-0.09	0.13	1.40	0.24	1.52	4.16	1.87	0.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.74	1.20	0.63	0.75	NA	NA	…	…	1.34	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Sun Life REGA… Moderate	NA	8.89	9.31	9.31	9.67	NA	NA	…	…	11.25	10.08	8.50	8.26	9.44	11.01	14.57	7.33	10.23	5.62	6.17	6.83	5.49	6.34	7.39	14.26	9.75	7.67	6.30	10.75	8.16	6.69	8.38	7.15	3.81	4.95	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.41	14.92	16.96	18.14	NA	NA	…	…	14.11	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Sun Life REGA… Moderate	NA	7.25	13.74	17.23	23.11	NA	NA	…	…	7.25	13.74	5.06	6.76	13.64	7.30	23.11	3.34	12.48	2.43	4.01	7.44	4.45	4.63	5.86	15.86	9.12	4.37	5.63	7.21	8.46	6.50	8.48	3.62	2.19	4.13	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Sun Life REGA… Moderate	NA	4.71	4.42	4.23	3.95	NA	NA	…	…	NA	NA	0.63	4.79	1.44	6.94	3.69	4.13	4.70	3.88	4.77	0.64	4.93	4.14	3.07	2.36	4.46	4.57	2.91	6.17	5.33	3.10	3.26	4.81	5.09	8.58	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.16	1.57	1.51	2.82	3.95	3.54	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.45	5.95	4.32	4.60	4.42	4.27	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 02/27/2026, Common starting date is 12/31/2000

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