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You can find this [under the balances selection on](under the balances selection on mysunlife.ca/Purolator)[ mysunlife.ca/Purolator](under the balances selection on mysunlife.ca/Purolator) (my financial centre > Accounts > Balances) or through the Customer Care Centre at 1-866-881-0583.  \nAsset allocation  \nThe way you divide your investment portfolio between the various asset classes. It is the most important way to diversify your investments, and diversification is the key to lowering your investment risk (by not putting all your eggs in one basket, so to speak) .  \n\n| Asset class |\n| --- |\n| Target date |\n| Money market |\n| Bond/Fixed income |\n| \u003Cbr>Canadian equity U.S. equity International equity |\n| Global equity |\n\nAsset mix  \nDescribes the proportion of your investment fund currently invested in each of the asset classes. For example, a fund might have an asset mix of 30 per cent Canadian equities, 30 per cent foreign equities and 40 per cent fixed income.  \nBeneficiary  \nThe person(s), corporation, trust or charity named in writing by you to receive your plan death benefit.  \nBond funds  \nWhen you buy a bond (also known as fixed income securities), you are actually lending money to a company or the government. The borrower promises to pay back the amount of the loan, plus interest, according to a specific schedule. Bonds are usually less risky than stocks, but the market value of a bond, especially longerterm bonds, can go up and down as interest rates change.  \nThe Bond/Fixed income funds offered in your plan are:  \n\n| Asset class | Funds |\n| --- | --- |\n| Bond/Fixed income | PH&N Bond Segregated Fund\u003Cbr>TDAM Canadian Bond Index Segregated Fund |\n\nCanada Revenue Agency (CRA)  \nThe federal government body with which plans must be registered for contributions to be tax-deductible. Formerly known as Revenue Canada or the Department of National Revenue.  \nCanadian equity funds  \nThese funds invest primarily in stocks of Canadian companies. Because stocks have historically risen higher in value than other types of investments, they may offer the greatest potential for long-term growth. However, with stock prices fluctuating more than other types of investments, investing in stocks is also riskier.  \nThe Bond/Fixed income funds offered in your plan are:  \n\n| Asset class | Funds |\n| --- | --- |\n| Canadian equity | Beutel Goodman Fundamental Canadian Equity Segregated Fund CC&L Group Canadian Equity Segregated Fund\u003Cbr>Jarislowsky Fraser Canadian Equity Segregated Fund |\n\nCompounding/Compound interest  \nInterest credited to the investor at a set rate, on specified dates, and added to the original deposit to earn further interest – essentially the ability of an asset to generate earnings from previous, reinvested earnings. Usually interest compounds annually or semi-annually.  \nDaily cost averaging  \nAn investment strategy to minimize volatility and risk by investing equal amounts of a sum over regular intervals. This reduces the possibility of investing a large sum during a temporary dip in the markets.  \nDefined contribution pension plan (DCPP)  \nThe DCPP is a plan to which both you and Purolator contribute. The pension benefit you receive on retirement depends primarily on how much you’ve saved, as well as your investment returns. Your contributions are taxdeductible; tax on the investment returns you earn is deferred until you withdraw the money.  \nAt termination, retirement or death, you can transfer the account balance to one or a combination of the following (depending on your pension jurisdiction and your age): a l","cbCaif29JSq337cN","https://ap.wps.com/l/cbCaif29JSq337cN","pdf",378026,"English","# Investments 101\n## Glossary of investment terms","[{\"question\":\"How is an account balance calculated?\",\"answer\":\"An account balance is based on the previous business day’s closing value. You can view it in the balances section on the Sun Life Purolator site or through the Customer Care Centre.\"},{\"question\":\"What is the difference between asset allocation and asset mix?\",\"answer\":\"Asset allocation describes how you divide your investment portfolio among asset classes, which is central to diversification and risk reduction. Asset mix describes the proportions of your investment fund currently invested in each asset class.\"},{\"question\":\"What does compounding/compound interest mean for investors?\",\"answer\":\"Compounding interest is credited at a set rate on specified dates and added to the original deposit so the asset can generate earnings on previous, reinvested earnings. Interest typically compounds annually or semi-annually.\"}]","Investments 101 - Glossary of investment terms - one-stop guide | PDF",1790590928,13]