Schneider Electric Canada Defined Contribution Pension Plan

Schneider Electric Canada

Defined Contribution

 About Manulife Financial

 Defined Contribution (DC) Pension Plan

 Investment Selection

 Manulife Tools, Resources and Support Services

 Next Steps

About Manulife Financial

 Canada’s largest life insurance company

 Fourth-largest life insurer in the world

 Strong independent financial ratings (S&P, Moody’s, A.M. Best, etc.)

Financial strength Overall operations

Enrolment Guide

 Use your Enrolment Guide as a reference as we move through this presentation.

Defined Contribution (DC)

Pension Plan

 This is a voluntary plan

 All permanent full-time and permanent part-time

employees are eligible to join the plan on the first day of the month following their date of hire.

 Schneider Electric does not make base contributions to the plan.

 You may contribute between 1-5% of your earnings.

Contributions must be in whole percentages

Earnings include annual base salary, incentives, bonuses and overtime (overtime is capped at 10%).

 Schneider Electric will match 100% of your contributions up to 5% of your earnings.

 You may also make additional voluntary contributions exceeding 5% of your earnings.

 You may transfer funds from other registered plans.

These funds are not matched by Schneider Electric

 Withdrawals from the plan and lump-sum contributions are not permitted.

Contributing to your

DC Pension Plan

Sources of Retirement Income

 Canadians generally rely on three distinct sources of income:

Government Pensions

 CPP $1,012.50 (Monthly maximum)

 OAS $546.07 (Monthly maximum)

Schneider Electric Canada

 DC Pension Plan

Personal Savings

 RRSPs, TFSAs, GICs, and Mutual Funds

 Home equity

Effect of Paying Lower Fees

 Take advantage of your group’s purchasing power

Lower fees leave more of your money in your account to grow for your retirement. A difference of $3,313

Decide How to Invest

If you chose two or more from

The best investment for you is

Look for this symbol…

Column A A Target Date Fund Column B Individual funds

Portfolio Options

Option B

Build Your Own

Option A

Option A – Target Date Funds

 What are Target Date Funds?

A balanced investment portfolio inside a single fund Each fund represents a future retirement date

Automatically rebalances to become more conservative as retirement date approaches

It’s important to only select one Target Date Fund – closest to your projected retirement date.

BlackRock LifePath Portfolios

Target Date Solutions

Portfolio Options

Option B

Build Your Own

Option A

Option B –

Build Your Own Portfolio

 Complete the 8-question Investor Strategy Worksheet

 Match your investor style to the suggested asset mix

 Use the suggested asset mix to build your portfolio

If your score is between 8-22, you’re a Moderate Investor.

You want your money to grow but are more concerned about protecting it.

Retirement may be in your near future, or you may prefer to be cautious with your investment and preserve your money.

Option B –

Build Your Own Portfolio

Cash &

Equivalents Fixed Income Canadian Equity

U.S./Int’l/Global Equity  MLI MFC Global Pooled US Index Fund  McLean Budden American Equity  MFC Pooled Canadian Index

 MLI Beutel Goodman Canadian Equity Fund  MFC Pooled Canadian Bond Index  MLI Canadian Money Market Potential Risk P ot e nt ia l Re tur n

For illustrative purposes only.

Option B –

Build Your Own Portfolio

 When selecting funds, refer to the Rates of

Return Overview in your guide to see how funds have been performing.

 This information can also be found online after you log in to your account at www.manulife.ca/GRO

Option B –

Build Your Own Portfolio

Default Investment

 If you do not choose fund(s) for your contributions, your money will be invested in the ‘plan default’ fund until you provide instructions.

 Contributions will be deposited into the plan’s default

investment fund - MLI BlackRock LifePath Index Fund -closest to the year you will turn 65.

 If you do not provide your date of birth at enrolment, your

contributions will be deposited to the MLI Canadian Money Market Fund.

Your plan default investment is the MLI BlackRock LifePath Index Fund

Manulife Tools, Resources

and Support

The Steps Retirement Program

(Steps)

 An easy, online retirement planning tool that will help you…

Set a retirement income goal Track your savings progress Determine whether you are on track to meet your

retirement savings goal

Steps also shows you an estimate of your annual retirement income.

Easy-to-Read Statements

 Sent to your home semi-annually

 Includes…

Personalized messaging Customized newsletters Personal rates of return

Your estimated annual retirement income (set using Steps)

Customer Service Centre

 Contact Manulife toll-free at 1-888-727-7766

Customer Service Representatives

 Monday to Friday, 8 a.m. to 8 p.m. ET

 For account inquiries and administrative assistance Financial Education Specialists

 Monday to Friday, 9 a.m. to 5 p.m. ET

 For assistance with investment information Transition Solution Specialists

 Monday to Friday, 9 a.m. to 5 p.m. ET

 For assistance with retirement planning  Email: gromail@manulife.com

Enrolment Guide

 Enroll in the plan

DC Pension Plan

 Policy Number: 10000987

 Access code: SEC07

 Enrolment information can be found on page 4 of

your guide.

 Follow the steps provided to enroll online.