Fund changes in your Choices

Retirement Savings Plan

Sun Life regularly reviews the investments available in our Choices plan.
To ensure your plan continues to help you save for a bright financial future,
we have added a new fund to give you a bigger mix of investment options.

We can’t always guess how well investments will do or how steady they’ll be. That’s why it’s important to have
a mix of different funds. We call this diversification. When you diversify, you lower your risk. That’s because the
positive performance of some of the funds could help make up for any negative performance of other funds.

Group Retirement Services are provided by Sun Life Assurance Company of Canada, a member of the Sun Life group of companies.
© Sun Life Assurance Company of Canada. All rights reserved.
Here are some more details about the new fund
Target risk funds establish and maintain a specific level of risk in each portfolio over time.
In September 2023, Sun Life added the Sun Life Granite Conservative Retirement and Sun Life Granite
Aggressive Retirement Segregated Funds to your Choices plan. Your plan(s) also offer the Sun Life Granite
Retirement Segregated Fund (“Granite Retirement”) with Moderate risk level. However, its name currently
doesn’t explicitly state the “Moderate” risk level.
For clarity and consistency, we will be adding the Sun Life Granite Moderate Retirement Segregated Fund
(“Granite Moderate Retirement”) on April 2, 2024. This fund will have fund management fees (FMFs) similar
to other funds in the series. For a full list of fund management fees for your plan, log in to mysunlife.ca and
select Manage plan  my plan  Plan Overview  Account fees.

Want to add new funds to your investments? Find out how on the last page.

What are fund management fees (FMFs)?

In your workplace plan, you pay FMFs. We include these fees in the unit price of each fund you’re investing in.
FMFs include investment management fees (IMFs) and operating expenses. IMFs pay professional investment
managers to research, select and manage a fund’s investments. Operating expenses cover fund management
costs like legal, audit, transaction, administration and regulatory filing fees. FMFs also pay for keeping records
of your account and member servicing costs.

2 | Sun Life
 Explore my plan
Sign in and select Manage plan  my plan

Use my plan to find out

What you’re investing in right now
Select Check on account  Balances

How the funds in your plan are doing

See the funds available in your plan, along with
their performance info. You can also explore more
advanced Morningstar® tools by selecting a tab at
the top of the page.
Select Plan overview  View available investments

Updating your How much money you need to retire

Select Tools  Retirement planner

investments is easy Which investments are right for you?

Sign in to mysunlife.ca Complete the Asset allocation tool to find out how
Select Manage plan  my plan  Make a change  much risk you’re willing to take when it comes to
Change investments investing. This can help you choose the right funds
for you.
Live support Select Tools  Asset allocation
Call 1-877-893-9893, Monday to Friday,
If you make a short-term trade, you may be charged a 2% fee. A short-term
8 a.m. to 8 p.m. ET. trade happens when you transfer money into a fund and then out of the same
fund within 30 calendar days. Short-term trades increase administrative and
transaction costs. This can potentially lower fund returns for investors in the
Trouble signing in? fund. This fee goes back into the fund to help make up for the potential lost
Head to mysunlife.ca for links to help you take earnings. We don’t charge this fee on guaranteed and money market fund
transactions. We also don’t charge this fee for fund changes we made.
action regularly.

Get info anytime

Fast, mobile support Visit us online
Download the my Sun Life mobile app on Google Play Head to sunlife.ca/contact-us.
or the Apple App Store. And sign in to mysunlife.ca for tools, articles and videos.
Chat with us online for additional support.

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