UNBC

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UNBC Retirement Savings Plan Defined
Contribution Pension Plan (DCPP)
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• why save?
• Getting started
• my plan
• Your plan advantage
• my investments
• Investment review
• Choosing your funds
• my account
• Get involved

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Saving for Retirement
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How much money do you need for retirement?
Canadians need 65 to 80 pre-retirement income
replacement
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Where will your money come from?
Retirement income
supplement
CPP/OAS
Home
secondary
Other Savings
Personal RRSP
primary
UNBC Defined Contribution Pension Plan
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Government benefits
2009 Canada Pension Plan (CPP/QPP) Old Age Security (OAS)
Maximum 908.75 516.96
Average 501.82 489.57
Request your CPP/QPP contributions benefit
statement from www.servicecanada.gc.ca Rates
above as of April 2009
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Benefits of starting early
Assumes a 6 rate of return
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Responsibilities
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DC Plan contribution limits
Lesser of 18 of current years earnings or 22,000

• Includes
• Your contributions
• UNBCs contributions
• Additional voluntary contributions

DC Pension Plan Contributions are part of your
Pension Adjustment, show up on your T4 slip and
affect the amount that you can contribute to your
RRSP
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RRSP contribution limits
Lesser of 18 of previous years earnings or
21,000
Pension Adjustment (PA)
Unused RRSP Room (if any)
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For your information about your personal limits
visit www.cra.gc.ca

• Pension Adjustment (PA) shown on T4.

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2009 Plan Contributions
UNBC Registered Pension Plan
Registered Retirement Savings Plan (RRSP)
UNBC
Employee Compulsory

• 3 of earnings up to the YMPE
• 5 above the YMPE
• Additional Voluntary (no match)
• Transfers-in allowed

• 8 of earnings up to the YMPE
• 10 above the YMPE

2009 YMPE Yearly Maximum Pensionable Earnings
46,300.
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Doing the math
Assumption Mary earns 65,000 annually.
Registered Retirement Savings Plan (RRSP)
Mary 46,300 x 3 1,389.00 Mary 18,700 x
5 935.00 UNBC 46,300 x 8
3,704.00 UNBC 18,700 x 10 1,870.00 Tota
l Benefit 7,898.00
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When do you own the funds?

• Vesting
• Vesting refers to when you own the University
  contributions. You are vested after 2 years of
  continuous service with the University.
• If you leave UNBC prior to 2 years of continuous
  service, contributions are not yours to take with
  you.
• You always own your contributions.
• Locking in
• Once you have been contributing into the DCPP
  for 2 years, the funds become locked in which
  means they are not available for you to use until
  you retire.

Registered Retirement Savings Plan (RRSP)
Mary 44,900 x 3 1,263.00 Mary 7,900 x
5 395.00 UNBC 44,900 x 8
3,368.00 UNBC 7,900 x 10
790.00 Total Benefit 5,816.00
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What happens if you.
What happens if you.
What happens if you

• Leave UNBC
• Transfer your DCPP to
• Locked in account with Sun Life Financial -
  CHOICES
• Locked in account at another financial
  institution
• A new employer (if permitted)
• Retire from UNBC
• Transfer your DCPP to
• A LIF (Life Income Fund) with Sun Life Financial
  - CHOICES
• A LIF at another financial institution
• Purchase an annuity

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You get it all when you save through your company
plan
Your piggy bank Your savings account Your personal RRSPs UNBC
Lower investment management fees
Access to institutional fund managers
University contributions
Regular payroll contributions
Tax deductible tax sheltered investment earnings
Immediate tax relief on your contributions



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Your steps to investing

• Understand the basics
• types of funds
• risk vs. returns
• importance of diversification
• Determine what type of investor you are
• Choose your funds
• refer to the Investment Reports section through
  your online account

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Understand risk vs. return

• Money market
• Federal government debt
• Short term, less than 1 year

• Bonds
• Promise to repay debt
• Receives interest
• Various terms to maturity
• Government and corporate

• Balanced
• Mix of cash, bond and equities
• Automatic diversification

• Equities
• Ownership in company
• Share in company profits
• Canadian or foreign

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Growth of 10,000 (January 1999 December 2008)
18,000
18,000
17,200
17,200
14,400
14,400
12,500
Source Morningstar.ca
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Diversify your investments

• Diversification holding different types of
  investments in your portfolio
• Lower your overall risk by not putting all of
  your eggs in one basket

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Think about investing outside of Canada

• Canada Revenue Agency now allows 100 foreign
  content in your registered accounts
• Canada represents only 2-3 of the world stock
  market
• Some foreign markets have historically
  outperformed Canada over the long-term
• Consider investing outside of Canada as one way
  to diversify

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Your investment options
Asset Class Fund Name Risk Fund Management Style
Money Market/ Guaranteed Sun Life 1, 3 5 Year Guaranteed Sun Life Money Market Low Low N/A N/A
Fixed Income/Bond BGI Bond Index PHN Bond Fund Low Moderate Low Moderate Passive Active
Balanced Beutel Goodman Balanced BonaVista Balanced McLean Budden Balanced Growth Moderate Moderate Moderate Active - Value Active - Value Active - Growth
Canadian Equities BGI SP/TSX Composite Index Beutel Goodman Canadian Equity McLean Budden Canadian Equity McLean Budden Canadian Equity Growth Beutel Goodman Small Cap Moderate High Moderate High Moderate High Moderate High High Passive Active -Value Active - Blend Active - Growth Active - Value
US Equities BGI US Equity Index CI American Value McLean Budden US Equity Moderate High Moderate High Moderate High Passive Active - Value Active - Growth
Foreign Equities McLean Budden Global Equity Moderate High Active - GARP

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Investment Manager approaches
Active Objective is to outperform a market index
based on research of current market conditions
and company prospects Actively buys and sells
securities in individual funds
Passive or Index Simply buys and sells assets to
match characteristics of an index, fund
performance should be similar to the index, i.e.
SP TSX
Fund Manager applies an Investment style to
their approach BonaVista, Beutel Goodman McLean
Budden, PHN, CI
Fund Management Fees tend to be lower than an
Active Fund Manager BGI
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Investment styles
Value Focuses on stocks that a fund manager
thinks are currently undervalued in price and
will eventually have their worth recognized by
the market
Growth Believes that the single most important
thing driving stock prices is rapidly rising
corporate earnings -- and that's what they look
for
If the manager is right, the stock will increase
in price as others in the market recognize the
true value of the stock CI, BonaVista, Beutel
Goodman
If the manager is right, the companys stock will
increase in price as the company achieves
business and earnings growth McLean Budden
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Investment styles
GARP Growth at a reasonable price - looks for
stocks of growth companies that they can buy for
a reasonable price
This is a combination of value and growth
investing McLean Budden Global
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Dollar cost averaging
Dollar cost averaging
Month Amount Price Units purchased
1 250 10 25
2 250 10 25
3 250 11 22.72
4 250 12 20.83
5 250 11 22.72
6 250 13 19.23
7 250 14 17.86
8 250 13 19.23
9 250 14 17.86
10 250 12 20.83
11 250 10 25
12 250 14 17.86
Total 3,000 Avg. price 11.80 254.14
Market Value 3,557.96 Rate of Return 18.59
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my money Investment Risk Profiler
Your guide to choosing funds

• Complete the questionnaire in the Investment Risk
  Profiler online
• www.sunlife.ca/member
• Review your fund choices
• online through Morningstar
• Select your funds according to your
• risk tolerance

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Your investment options
Asset Class Fund Name Risk Fund Management Style
Money Market/ Guaranteed Sun Life 1, 3 5 Year Guaranteed Sun Life Money Market Low Low N/A N/A
Fixed Income/Bond BGI Bond Index PHN Bond Fund Low Moderate Low Moderate Passive Active
Balanced Beutel Goodman Balanced BonaVista Balanced McLean Budden Balanced Growth Moderate Moderate Moderate Active - Value Active - Value Active - Growth
Canadian Equities BGI SP/TSX Composite Index Beutel Goodman Canadian Equity McLean Budden Canadian Equity McLean Budden Canadian Equity Growth Beutel Goodman Small Cap Moderate High Moderate High Moderate High Moderate High High Passive Active -Value Active - Blend Active - Growth Active - Value
US Equities BGI US Equity Index CI American Value McLean Budden US Equity Moderate High Moderate High Moderate High Passive Active - Value Active - Growth
Foreign Equities McLean Budden Global Equity Moderate High Active - GARP

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Building your own asset mix
Example A score of 36 to 85 points - Moderate
Investment Type Investment Option
15 U.S. Equity BGI US Equity Index Fund McLean Budden US Equity Fund CI American Value Fund
15 International Equity McLean Budden Global Equity
20 Canadian Equity Beutel Goodman Small Cap Fund Beutel Goodman Canadian Equity Fund BGI SP/TSX Composite Index Fund McLean Budden Canadian Equity Growth Fund McLean Budden Canadian Equity Fund
40 Bond/ Fixed Income PHN Bond Fund BGI Bond Index Fund
10 Guaranteed/ Money Market Sun Life Financial Money Market Fund Sun Life Financial 1,3 5 year Guaranteed Fund
10 Money Market
15 Intl. Equity
15 U.S. Equity
40 Fixed Income
20 CDN. Equity
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Rebalance often to match your risk tolerance
Starting point
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35 Bonds
45 Bonds
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45 Stocks
International Equity
Canadian Equity
Bonds
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Fund Asset Mix
Dec. 31st 2008 Balances of Investment Dec. 31st 2007 Balances of Investment
Balanced 9,809,893.97 28.95 12,358,144.03 30.75
Beutel Goodman Balanced Fund BonaVista Balanced Fund McLean Budden Bal. Growth Fund PHN Balanced Pension Fund 1,071,584.71 7,388,732.80 1,349,576.46 0.00 3.16 21.80 3.98 0.0 815,189.49 0.00 1,234,922.29 10,308,032.25 2.03 0.00 3.07 25.65
Canadian Equity 10,326,454.21 30.47 15,545,558.23 38.68
Beutel Goodman Canadian Equity Fund Beutel Goodman Small Cap Fund BGI SP/TSX Composite Index Fund McLean Budden Canadian Equity Fund McLean Budden Cdn Eq Growth Fund 745,642.55 1,657,499.07 1,204,374.07 5,565,262.97 1,153,675.55 2.20 4.89 3.55 16.42 3.40 1,002,926.87 2,304,544.48 1,781,376.34 8,534,858.68 1,921,851.86 2.5 5.73 4.43 21.24 4.78
Fixed Income 4,190,081.88 12.36 3,472,371.60 8.64
BGI Bond Index Fund PHN Bond Fund 309,748.27 3,880,333.61 0.91 11.45 0.00 3,472,371.60 0.00 8.64
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Fund Asset Mix
Dec. 31st 2008 Balances of Investment Dec. 31st 2007 Balances of Investment
Foreign Equity 2,875,770.92 8.49 3,572,203.81 8.89
BGI US Equity Index Fund CI American Value Fund MB Global Equity Fund MB US Equity Fund 276,836.22 616,557.96 1,830,660.12 151,716.62 0.82 1.82 5.40 0.45 308,862.97 746,955.02 2,430,889.57 85,496.25 0.77 1.86 6.05 0.21
Guaranteed/Money Market 6,686,075.38 19.73 5,241,977.12 13.04
SLA 1 YR Guaranteed Fund SLA 3 YR Guaranteed Fund SLA 5 YR Guaranteed Fund Sun Life Money Market Fund 614,264.65 563,966.38 1,076,924.61 4,430,919.74 1.81 1.66 3.18 13.08 375,439.68 494,678.12 766,575.20 3,605,284.12 0.93 1.23 1.91 8.97
Total 33,888,276.36 100.00 40,190,254.79 100.00
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Fund Performance
Fund 2008 2007 2006 2005 2004
Sun Life Money Market Fund DEX 91 Day TBill Index 3.6 3.3 4.5 4.4 4.0 4.0 2.6 2.6 2.2 2.3
BGI Bond Index Fund PHN Bond Fund DEX Universe Bond 6.0 3.8 6.4 3.6 3.2 3.7 4.1 4.4 4.1 6.5 7.0 6.5 7.1 7.3 7.2
Beutel Goodman Balanced Fund Beutel Balanced Benchmark -10.0 -14.9 0.5 2.6 13.6 12.2 10.1 11.2 10.9 9.3
BonaVista Balanced Fund BonaVista Balanced Benchmark -18.3 -15.0 1.1 3.5 14.4 12.0 15.3 12.5 12.9 9.9
McLean Budden Balanced Growth Fund McLean Budden Balanced Benchmark -17.5 -16.4 2.1 2.6 13.6 12.5 11.4 12.0 8.5 9.5
Data through 31 Dec 2008
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Fund Performance
Fund 2008 2007 2006 2005 2004
BGI SP/TSX Composite Index Fund Beutel Goodman Canadian Equity Fund McLean Budden Canadian Equity Fund McLean Budden Cdn Eq Growth Fund SP/TSX Capped Composite -32.5 -22.2 -31.9 -38.0 -33.0 9.9 6.3 8.3 11.6 9.8 17.4 16.6 18.3 21.3 17.3 24.0 17.7 21.2 22.9 24.1 14.6 14.3 12.2 11.9 14.5
Beutel Goodman Small Cap Fund BMO Small Cap Blended (Weighted) -28.3 -46.6 3.0 2.0 22.3 16.6 11.2 19.7 14.7 14.1
BGI US Equity Index Fund SP 500 Index ( Cdn ) -21.5 -21.2 -10.8 -10.5 15.1 15.3 2.0 2.3 2.5 2.8
CI American Value Fund McLean Budden US Equity Fund SP 500 C- Bank of Canada -22.8 -21.6 -21.9 -1.6 -4.8 -10.6 18.7 14.9 15.7 5.2 3.0 1.6 12.2 3.9 3.3
McLean Budden Global Equity Fund MSCI World C -21.8 -25.4 -7.9 -7.1 19.6 20.2 5.7 7.3 5.5 6.9
Data through 31 Dec 2008
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Understanding Fees
Fund Management Fee (expressed as a of fund
assets you hold)
Fees in your plan range High 1.64 Low 0.41
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Fund Management Fees at February 28, 2009
Fund Name Total Fund Management Fee
Sun Life GICs None
Sun Life Financial Money Market Fund 0.41
BGI Bond Index Fund 0.46
PHN Bond Fund 0.69
Beutel Goodman Balanced Fund 0.76
BonaVista Balanced Fund 1.64
McLean Budden Balanced Growth Fund 0.68
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Fund Management Fees at February 28, 2009
Fund Name Total Fund Management Fee
BGI SP/TSX Composite Index Fund (P) 0.48
McLean Budden Canadian Equity Growth Fund 0.68
McLean Budden Canadian Equity Fund 0.68
Beutel Goodman Canadian Equity Fund 0.78
Beutel Goodman Small Cap Fund 0.78
CI American Value Fund 1.31
BGI US Equity Index Fund (P) 0.48
McLean Budden US Equity Fund 0.74
McLean Budden Global Equity Fund 0.70
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Low Fund Management Fees (FMF) make a difference
Assumes a 5.75 real rate of return
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Retirement Planning Tools
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Plan Member Website

• Select Resource Centre
• Click on My Money Tools

Sign in to www.sunlife.ca/member
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my money retirement planner

• my information
• This is the first screen of the retirement
  planner
• Some of the information on this screen is
  pre-populated

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my money retirement planner

• my assets
• Enter any additional assets or income you have
• You can include pensions from previous employers

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my money retirement planner

• my lifestyle
• A lifestyle is suggested based on your personal
  information
• You can view information on other lifestyles
• Select your lifestyle and receive your personal
  action plan

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my money retirement planner
Your personal action plan
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Keeping you involved
Read your personal statements

• Quarterly (Available Online)
• Easy to read
• Personal rates of return
• Summary of all plans
• Transaction history
• Plan information
• Bulletin board

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Keeping you involved
Internet www.sunlife.ca/member
Customer Care Centre 1-866-733-8612

• Receive up-to-date account balances
• View transaction history
• Make investment changes
• Link directly to investment reports
• View online member statements

• 24 hour automated phone account access
• Representatives available every business day (8
  am to 8 pm ET)
• Account updates
• 150 languages supported

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Getting information about your funds
(Morningstar)

• Investment Information
• Capital market performance
• Individual fund performance
• Investment style, fund and manager updates
• Portfolio X-Ray
• Analyze different combinations of funds as a
  single portfolio including the effect of asset
  allocation changes to the portfolio
• Fund Compare
• Compare and analyze funds in your plan with the
  full list of available funds
• Performance Reports
• Generate investment performance reports for your
  plans funds

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Keeping you involved
Do your financial planning online


Withdrawal calculator
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Capital Gains vs. RRSP calculator
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Mortgage vs. RRSP calculator
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RRSP Loan calculator
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Keeping you involved
Do your financial planning online
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Annuity calculator
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OAS claw-back calculator
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RRIF calculator
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Your action plan

1. Use the Investment risk profiler to determine
   your recommended portfolio allocation
2. Use the Retirement planner to evaluate if your
   current contributions will meet your retirement
   goals
3. Review your current portfolio
4. Update your future investment instructions as
   required
5. Update your existing portfolio as required
6. Update any personal information that is out of
   date (ie. Beneficiary)

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Questions?