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SENTRY PRIVATE INVESTMENT PROGRAM

Create wealth and enjoy it too.

Welcome to the first high-net-worth investment program to pay equal attention to life before and during retirement.

You can benefit from world-class portfolio management and lower investment fees – whether your primary goal is to build your wealth or enjoy income from it.

BEFORE RETIREMENT

Ten investment pools to help maximize your wealth

Fixed-income private pools

These pools can provide stability to a portfolio and offer a variety of income options.

Pools Fund highlights

Sentry Canadian Fixed Income Private Pool

Conservatively managed portfolio that employs a ‘core plus’ approach. The ‘core’ of the portfolio consists of Canadian investment-grade fixed-income securities – including corporate, and federal and provincial government bonds. The ‘plus’ speaks to the portfolio managers’ ability to complement the core through exposure to global high-yield (up to 25%) and foreign fixed income securities (up to 30%).

Initial distribution: 3%
Risk rating: Low

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Sentry Global Investment Grade Private Pool Class

Diversified portfolio of fixed-income investments issued by governments, or companies of any size, from around the world. While the portfolio managers can invest up to 10% in global high-yield fixed-income securities, the Pool will consist primarily of corporate investment-grade fixed-income securities and will maintain a weighted-average credit quality of A-.

Initial distribution: 3%
Risk rating: Low

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Sentry Global Tactical Fixed Income Private Pool

Employs a ‘free to roam’ global fixed-income strategy so there are no constraints in terms of credit quality or geography. The portfolio managers can invest in both investment-grade and high-yield fixed-income securities issued by governments, or companies of any size, from around the world, including emerging markets.

Initial distribution: 5%
Risk rating: Low to medium

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Sentry Canadian Fixed Income Private Pool

Conservatively managed portfolio that employs a ‘core plus’ approach. The ‘core’ of the portfolio consists of Canadian investment grade bonds – including corporate, and federal and provincial government bonds. The ‘plus’ speaks to the portfolio managers’ ability to complement the core through exposure to global high-yield bonds (up to 25%) and foreign bonds (up to 30%).

Initial distribution: 3%
Risk rating: Low

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Sentry Global Investment Grade Private Pool Class

Diversified portfolio of bonds issued by companies or governments of any size, from around the world. While the portfolio managers can invest up to 10% in global high-yield bonds, the Pool will consist primarily of corporate investment-grade bonds and will maintain a weighted -average credit quality of A-.

Initial distribution: 3%
Risk rating: Low

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Sentry Global Tactical Fixed Income Private Pool

Employs a ‘free to roam’ global bond strategy so there are no constraints in terms of credit quality or geography. The portfolio managers can invest in both investment-grade and high-yield bonds issued by companies or governments of any size, from around the world, including emerging markets.

Initial distribution: 5%
Risk rating: Low to medium

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Equity income private pools

These concentrated pools aim to deliver long-term growth and income with less volatility.

Pools Fund highlights

Sentry Canadian Equity Income Private Pool Class

Invests in Canadian companies of any size, with a primary focus on dividend-paying companies. The Pool offers Canadians, who live, work and spend money in Canada, an opportunity to allocate a portion of their investments to quality Canadian companies that pay Canadian-dollar dividends.

Initial distribution: 4%
Risk rating: Medium

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Sentry U.S. Equity Income Private Pool Class

Invests in U.S. companies of any size, with a primary focus on dividend-paying companies that have multinational exposure. The Pool offers access to the growth potential of the U.S. – the world’s largest economy and home to so many world-class businesses.

Initial distribution: 3%
Risk rating: Medium

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Sentry U.S. Equity Income Currency Neutral Private Pool Class

Currency-neutral version of Sentry U.S. Equity Income Private Pool Class. The Pool offers access to the growth potential of the U.S. market, while mitigating the impact of currency fluctuations on performance.

Initial distribution: 3%
Risk rating: Medium

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Sentry International Equity Income Private Pool Class

Invests primarily in companies outside of North America. The portfolio managers can invest in companies of any size, with a primary focus on dividend-paying companies. Investors can gain access to the growth potential of international and emerging markets, primarily through the developed markets of Europe and Asia.

Initial distribution: 3%
Risk rating: Medium

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Sentry Global Equity Income Private Pool Class

Invests in companies located anywhere in the world. The portfolio managers can invest in companies of any size, with a primary focus on dividend-paying companies. Investing globally enables investors to diversify their portfolios and gain access to the 97% of the investment opportunities that reside beyond our borders.

Initial distribution: 3%
Risk rating: Medium

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Sentry Canadian Equity Income Private Pool Class

Designed to be a “pure” Canadian portfolio. The portfolio managers can invest in companies of any size, with a primary focus on dividend-paying companies. The Pool offers Canadians, who live, work and spend money in Canada, an opportunity to allocate a portion of their investments to quality Canadian companies that pay Canadian-dollar dividends.

Initial distribution: 4%
Risk rating: Medium

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Sentry U.S. Equity Income Private Pool Class

Designed to be a “pure” U.S. portfolio. The portfolio managers can invest in companies of any size, with a primary focus on dividend-paying companies that have multinational exposure. The Pool offers access to the growth potential of the U.S. – the world’s largest economy and home to so many world-class businesses.

Initial distribution: 3%
Risk rating: Medium

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Sentry U.S. Equity Income Currency Neutral Private Pool Class

Currency-neutral version of Sentry U.S. Equity Income Private Pool Class. The Pool offers access to the growth potential of the U.S. market, while mitigating the impact of currency fluctuations on performance.

Initial distribution: 3%
Risk rating: Medium

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Sentry International Equity Income Private Pool Class

Invests primarily in companies outside of North America. The portfolio managers can invest in companies of any size, with a primary focus on dividend-paying companies. Investors can gain access to the growth potential of international and emerging markets, primarily through the developed markets of Europe and Asia.

Initial distribution: 3%
Risk rating: Medium

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Sentry Global Equity Income Private Pool Class

Invests in companies located anywhere in the world. The portfolio managers can invest in companies of any size, with a primary focus on dividend-paying companies. Investing globally enables investors to diversify their portfolios and gain access to the 97% of the investment opportunities that reside beyond our borders.

Initial distribution: 3%
Risk rating: Medium

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Balanced private pools

These pools offer the benefits of both equities and fixed income in one portfolio.

Pools Fund highlights

Sentry Balanced Yield Private Pool Class

North American focused, built on a foundation of Canadian investment-grade, fixed-income investments complemented by Canadian and U.S. equities. The portfolio managers also invest in global high-yield fixed income in order to enhance diversification and improve yield in different interest-rate environments. Both the equity and fixed income allocations will range from 40% to 60% of the portfolio.

Initial distribution: 4%
Risk rating: Low to medium

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Sentry Global Balanced Yield Private Pool Class

Can invest in equity securities from around the world; it is built on a foundation of global investment-grade, fixed-income investments complemented by exposure to Canadian, U.S. and international equities. The portfolio managers also invest in global high-yield fixed income in order to enhance diversification and improve yield in different interest-rate environments. Both the equity and fixed-income allocations will range from 40% to 60% of the portfolio.

Initial distribution: 4%
Risk rating: Low to medium

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Sentry Balanced Yield Private Pool Class

North American focused, built on a foundation of Canadian investment-grade, fixed-income investments complemented by Canadian and U.S. equities. The portfolio managers also invest in global high-yield fixed income in order to enhance diversification and improve yield in different interest-rate environments. Both the equity and fixed income allocations will range from 40% to 60% of the portfolio.

Initial distribution: 4%
Risk rating: Low to medium

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Sentry Global Balanced Yield Private Pool Class

Can invest in equity securities from around the world; it is built on a foundation of global investment-grade, fixed-income investments complemented by exposure to Canadian, U.S. and international equities. The portfolio managers also invest in global high-yield fixed income in order to enhance diversification and improve yield in different interest-rate environments. Both the equity and fixed-income allocations will range from 40% to 60% of the portfolio.

Initial distribution: 4%
Risk rating: Low to medium

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DURING RETIREMENT

Technology and investments to help optimize your income

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Sentry Real Income Engine™

Advanced retirement software that helps your financial advisor develop your personal retirement income strategy and manage your evolving retirement needs

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Sentry Real Income Managed Portfolios and Custom Solution

Innovative investment solutions that are designed to maximize your sustainable, inflation-adjusted retirement income

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Sentry Real Income Engine™

Advanced retirement software that helps your financial advisor develop your personal retirement income strategy and manage your evolving retirement needs

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Sentry Real Income Managed Portfolios and Custom Solution

Innovative investment solutions designed to maximize your client’s sustainable, inflation-adjusted retirement income.

All-in-one portfolios | $100,000+

Sentry Real Income Managed Portfolios

Select a portfolio based on your year of birth. Each portfolio is set to generate the maximum amount of inflation-adjusted income through age 90.

Sentry Real Income 1951-55 Class

Purchase options Initial income1
1955 (62)
1954 (63)
1953 (64)
1952 (65)
1951 (66)
No income
$39,000
$40,000
$41,000
$42,000
$43,500
$0
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Sentry Real Income 1946-50 Class

Purchase options Initial income1
1950 (67)
1949 (68)
1948 (69)
1947 (70)
1946 (71)
No income
$45,500
$47,000
$49,500
$51,000
$54,000
$0
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Sentry Real Income 1941-45 Class

Purchase options Initial income1
1945 (72)
1944 (73)
1943 (74)
1942 (75)
1941 (76)
No income
$57,000
$60,000
$63,000
$66,500
$70,000
$0
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1Based on $1,000,000 initial investment.

Real Income stream for a 69-year-old who purchases Sentry Real Income 1946-50 Class2

Sentry Real Income
1646-50 Class

2 The assets and redemption amounts are not guaranteed to last to, or through, the age of 90. The graph above is provided for illustrative purposes only and should not be construed as a forecast, projection or estimate of possible results. If your redemptions exceed what the portfolio is earning, you will eventually deplete your original investment and you will no longer receive income. For Sentry Real Income Managed Portfolios, the forecasted returns and volatility, along with an initial income level for each purchase option birth year, were used to generate 1,000 simulations of potential outcomes over time. The initial income level for each purchase option birth year was chosen in order to provide a 95% probability (95% of the 1,000 simulations) that the inflation-adjusted income, would last to, and through, 90 years old. The probability of income payments lasting decreases with each subsequent year beyond age 90.
3 Assuming a 2% annual inflation rate.

Custom-built portfolios | $250,000+

Sentry Real Income Custom Solution

Using software called the Real Income EngineTM , your financial advisor can design and build a customized portfolio that reflects your individual real income target, longevity assumption, risk profile and other factors.

Sentry Real Income Pools (Neutral mix)



For more information, visit the Sentry Real Income Investor, or the Sentry Real Income Advisor.

SUPERIOR VALUE

Preferred pricing for you and your family

Your savings start with an investment of $100,000

The fees associated with Sentry Private Pools and Portfolios are expressed as a percentage of the value of your portfolio. The minimum initial investment per pool or portfolio is $100,000, with further price reductions available at $250,000, $500,000, $1,000,000, $2,500,000 and $5,000,000.

Household savings start with an investment of $250,000

If you or members of your household collectively invest $250,000 with Sentry, including Sentry Private Pools and Portfolios, the $100,000 minimum investment per pool or portfolio is waived. This allows you to enjoy enhanced savings even on your smaller accounts.

Is the Sentry Private Investment Program right for you?

Start by having a conversation with your financial advisor.

Want to learn more?

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