Any amount allocated to a segregated fund is invested at the risk of the contract owner and may increase or decrease in value.
<ul class="ann-list"><li id="ann-pnpPerformance"><sup><a class="ann-marker" aria-label="marker id " href="https://funds.sunlifeglobalinvestments.com/seg-funds-list?env=prod&mode=public&view=fundCodes#ann-pnpPerformance-ref"></a></sup> Any amount allocated to a segregated fund is invested at the risk of the contract owner and may increase or decrease in value.</li></ul>
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MER is not available for funds that have yet to complete a financial year.
<ul class="ann-list"><li id="ann-pnpOverviewNoMER"><sup><a class="ann-marker" aria-label="marker id " href="https://funds.sunlifeglobalinvestments.com/seg-funds-list?env=prod&mode=public&view=fundCodes#ann-pnpOverviewNoMER-ref"></a></sup> MER is not available for funds that have yet to complete a financial year.</li></ul>
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The Morningstar RatingTMĀ for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.
<ul class="ann-list"><li id="ann-pnpRatingsCommissions"><sup><a class="ann-marker" aria-label="marker id " href="https://funds.sunlifeglobalinvestments.com/seg-funds-list?env=prod&mode=public&view=fundCodes#ann-pnpRatingsCommissions-ref"></a></sup> The Morningstar RatingTMĀ for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.</li></ul>