W E L C O M E T O YO U R
Edward Jones Retirement Plan
PMS 5535
Black
W E LC O M E TO YO U R
Edward Jones Retirement Plan
Dear Associates,
One of the benefits of contributing to a growing and profitable firm is that Associates share in the work and the
profits. At Edward Jones, we also are committed to helping you save for your financial future.
The Edward Jones Retirement Plan has two parts to help you fund your retirement: a Group Registered Retirement
Savings Plan (Group RRSP) and a Deferred Profit Sharing Plan (DPSP).
Some of the benefits of investing through your Edward Jones Retirement Plan are:
•Lower fees than you can get on your own as an individual investor, because of the group’s buying power.
• The convenience of contributing to your RRSP through payroll deductions.
• The tax benefits of pre-tax contributions to your RRSP.
• Great investment options, including asset allocation models, making it easier to diversify your savings.
• A single, robust website to manage all aspects of your retirement accounts.
• Access to your retirement plan any time online or by phone.
• Planning tools and resources to help you manage your investments.
In this guide you will find detailed information about the plan and how you can participate. Please read it carefully.
If you have questions, please call Sun Life Financial’s Customer Care Centre at 1-866-896-6976, any business day
from 8 A.M. to 8 P.M. ET.
For additional information, visit www.edwardjones.com/canadaprofitsharing.
Sincerely,
David Lane
Managing Principal, Canada
Sucharita Maitra
Chairperson, Profit Sharing Committee
1 | E D WA R D J O N E S | Edward Jones Retirement Plan
Your group plan can
make saving easier!
Your Edward Jones Retirement Plan can help make saving for your retirement a lot easier. This guide tells you how.
This guide:
•
•
•
•
•
Provides you with a step-by-step list to get started.
Introduces you to the components of your plan.
Tells you why investing through your Edward Jones Retirement Plan makes saving easier.
Introduces your fund options.
Provides a detailed “how-to” section that you can refer to for step-by-step instructions.
Please read this communication and make plans to get involved.
Edward Jones Retirement Plan | E D WA R D J O N E S | 2
Getting started:
step-by-step
We’ve listed all the steps you’ll need to take, along with an estimate of the time required, below.
TASK
TIME NEEDED TO COMPLETE
WHAT YOU NEED TO KNOW
√Review the information
provided to you in this
document to learn
about your plan and
everything it has to
offer you.
10-15 minutes
Once you’ve reviewed this document, you’ll understand:
• How the RRSP and DPSP work.
•Why you should invest through your Edward Jones
Retirement Plan.
• Which investment funds your plan offers.
• What to do next.
√Complete the Edward
Jones Risk Tolerance
Questionnaire.
10 minutes
The Questionnaire can be found online at
www.edwardjones.com/canadaprofitsharing.
With knowledge of your risk tolerance and your investor life
stage, and using the portfolio objective guidance table, you can
choose the investments that are best for you – the same process
we use with our clients.
√Enrol in the Group RRSP
and choose your RRSP
investments online at
mysunlife.ca/edward
jones.
20 minutes
You’ll find step-by-step enrolment instructions in Appendix B.
√Choose your
investments for your
Deferred Profit Sharing
Plan (DPSP).
10 minutes
You can choose your investments by signing in to your
Sun Life Financial account online.
√Enrol in a Spousal RRSP.
15 minutes
Download and print the form from mysunlife.ca/edwardjones,
or use the copy attached to this brochure (Appendix D) if you
are viewing the brochure online. Your spouse must fill in and
return the form, but you can provide your amount for payroll
deductions online.
√Designate a beneficiary 5 minutes
for your plan assets.
You must designate a beneficiary for both your DPSP and Group
RRSP. Otherwise your beneficiary will default to your estate,
which may not be your wish.
If you don’t choose your investments by the time company
contributions start, your contributions will automatically be
directed to the plan’s default fund, which is the SEI Balanced
60/40 Segregated Fund; this may or may not be the best choice
for you based on your investment risk tolerance. You can, however,
update your investment instructions any time in the future.
You’ll find step-by-step instructions about how to do each of the steps online with Sun Life Financial in the How to section
(Appendix B) of this document.
Where to get help
Sun Life Financial’s Customer Care Centre representatives are available to help you enrol and to help you manage your
account after you’ve enrolled. Representatives are available at 1-866-896-6976, any business day from 8 A.M. to 8 P.M. ET.
Know your responsibilities
As a member of the Edward Jones Retirement Plan, you’re responsible for making investment decisions and for using the tools
and information that have been provided to help you make these decisions. You should also decide if seeking investment
advice from a qualified individual makes sense for you.
Edward Jones Retirement Plan | E D WA R D J O N E S | 4
Introducing your Edward
Jones Retirement Plan
The Edward Jones Retirement Plan offers you two ways to save:
•
•
A Registered Retirement Savings Plan (RRSP), which includes a Spousal RRSP.
A Deferred Profit Sharing Plan (DPSP).
Both plans help you build long-term savings for your future.
Here’s how the RRSP and DPSP work for you.
RRSP
What is it?
DPSP
A registered savings plan in which you can invest
to save for retirement.
A registered plan to which your employer contributes
on your behalf.
A Spousal RRSP is an RRSP that you contribute to
on your spouse’s behalf.
Funds must be removed by December 31st of the year
in which you turn age 71.
Funds must be removed by December 31st of the
year in which you turn age 71.
Who is eligible?
All associates.
The DPSP is available to FAs, BOAs and Home Office
Associates (non-General Partner) only.
When can you
join?
Full-time associates may join the RRSP
immediately upon hire.
All associates are automatically enrolled.
Part-time associates may join the RRSP after having
been compensated for 910 hours in the first year
of employment, or in any subsequent calendar year.
Plan participation is voluntary.
Firm contributions
None.
Discretionary, to a maximum of the annual Canada
Revenue Agency (CRA) DPSP dollar limit.
Profit sharing:
The amount is determined by the firm’s profitability in
the year. You must be hired before July 1st of the plan
year to be eligible, and you must have received
compensation for at least 910 hours during the plan year.
Firm match:
Non-sales associates only. Dollar for dollar up to $500
per year. You must be hired before January 1st of the plan
year to be eligible, must have received compensation
for at least 910 hours during the year, and have made
Group RRSP contributions through payroll deduction.
RRSP
Associate
contributions
Made on a pre-tax basis (see the Why invest
through your Edward Jones Retirement Plan
section for more detail).
DPSP
None.
You can contribute any amount, up to your
Canada Revenue Agency (CRA) personal limit and
up to 75% of any paycheque. You can update your
deferral elections (contributions) any time.
You may also make contributions to a Spousal
RRSP.
You are responsible for ensuring you do not
over-contribute.
Check your CRA Notice of Assessment for the
most recent tax year to confirm your personal
limit information.
You can update your contributions anytime.
Vesting
100% of all contributions are immediately vested (i.e., you own them if you leave your employment at
Edward Jones).
How to contribute
You can contribute through payroll deductions
N/A
from regular paycheques and/or trimester bonus
cheques, or make a lump-sum contribution
through Sun Life Financial anytime during the year.
Investments
You have a variety of funds from which you can choose, in different asset classes. (See Appendix A for details.)
If you do not make an active investment decision for your contributions, they will be directed to the
plan’s default fund, the SEI Balanced 60/40 Segregated Fund. This fund may or may not be the most
suitable for your risk profile.
Withdrawals
You can make a withdrawal any time, subject to
applicable taxes and fees.
In cases of financial hardship only.
You must withdraw RRSP assets first.
If you withdraw funds from the RRSP, Sun Life
Financial will reset your RRSP election to 0% or $0.
After a six-month period is up, you will need to
submit a new election to restart the contributions
to your RRSP.
You can only withdraw firm contributions that have
been in the plan for two years or longer.
If you withdraw funds from the DPSP, Sun Life Financial
will reset your RRSP election to 0% or $0.
After a six-month period is up, you will need to submit
a new election to restart the contributions to your RRSP.
Edward Jones Retirement Plan | E D WA R D J O N E S | 6
Why invest through
your Edward Jones
Retirement Plan?
Your Group RRSP is voluntary, and we know you have many choices about where to invest. But there are two primary advantages to your Group RRSP through Edward Jones that you can’t get anywhere else.
1. Lower fees than you can get on your own as an individual investor, because of the group’s buying power.
2.The convenience of payroll deductions; when you contribute to your Group RRSP through payroll deductions,
you get an immediate tax benefit, since your contributions are made before income tax is taken off.
By contributing regularly through payroll deductions, you also smooth out the “peaks and valleys” in fund values,
ensuring you aren’t making a lump-sum contribution when the fund value is at its highest.
7 | E D WA R D J O N E S | Edward Jones Retirement Plan
APPENDIX A:
Your investment
options and fees
Your investment options for the RRSP and DPSP are shown in the tables
below, along with their Fund Management Fees (FMFs).
Your plan offers you a wide range of funds to choose from. You can
choose your own combination of funds to suit your risk tolerance and
investor life stage, or you can choose from one of the SEI allocation
funds. These funds are designed to match your results from the Edward
Jones Risk Tolerance Questionnaire.
Online tools to help you choose your
investments
After you complete the Risk Tolerance
Questionnaire and determine your investor
life stage, you can use the portfolio objective
guidance table to help determine the portfolio
objective that is best for you.
You can complete this process at
www.edwardjones.com/canadaprofitsharing.
Read the Building Your Portfolio Strategy
Report and use what you learn as you review
the investment options available to you.
Investment options - RRSP
ASSET CATEGORY
FUND NAME
DESCRIPTION
FMFs*
Aggressive
growth
CC&L Canadian Small Cap Equity
Segregated Fund
Canadian equity
1.09%
Growth
SEI Growth 100 Segregated Fund
Bissett Canadian Equity Segregated Fund
CI Signature Select Canadian Segregated Fund
MFS Global Equity Segregated Fund
Asset allocation – all equity
Canadian equity
Canadian equity
Non-Canadian equity
1.14%
0.85%
1.00%
1.10%
Growth &
income
SEI Growth 80/20 Segregated Fund
SEI Balanced 60/40 Segregated Fund
SEI Balanced 50/50 Segregated Fund
SEI Income 30/70 Segregated Fund
SEI Income 20/80 Segregated Fund
CI Signature Income & Growth Segregated Fund
Trimark Income Growth Segregated Fund
CI Canadian Investment Segregated Fund
Trimark Canadian Segregated Fund
CI Global Value Segregated Fund
Asset allocation – growth focus
Asset allocation – balanced toward growth
Asset allocation – balanced growth and income
Asset allocation – balanced toward income
Asset allocation – income focus
Balanced
Balanced
Canadian equity
Canadian equity
Non-Canadian equity
1.04%
1.07%
1.14%
1.03%
1.13%
0.99%
0.99%
1.00%
0.99%
1.25%
Edward Jones Retirement Plan | E D WA R D J O N E S | 8
FUND NAME
ASSET CATEGORY
Income
Templeton Global Bond Segregated Fund
PH&N Bond Segregated Fund
BlackRock Universe Bond Index
Segregated Fund
Money market
Sun Life Financial Money Market
Segregated Fund
DESCRIPTION
Aggressive income – global
Active fixed income
Passive fixed income
FMFs*
1.10%
0.70%
0.44%
0.29%
*FMFs as at January 31, 2014. The FMFs displayed in this document do not include the applicable sales tax. However, these taxes are charged to
your account. FMFs include, but are not limited to, fund operating expenses and investment management fees.
Investment options - DPSP
ASSET CATEGORY
FUND NAME
DESCRIPTION
FMFs*
Growth
SEI Growth 100 Segregated Fund
Asset allocation – all equity
1.15%
Growth &
income
SEI Growth 80/20 Segregated Fund
SEI Balanced 60/40 Segregated Fund
SEI Balanced 50/50 Segregated Fund
SEI Income 30/70 Segregated Fund
SEI Income 20/80 Segregated Fund
Asset allocation – growth focus
Asset allocation – balanced toward growth
Asset allocation – balanced growth and income
Asset allocation – balanced toward income
Asset allocation – income focus
1.05%
1.08%
1.15%
1.04%
1.14%
Money market
Sun Life Financial Money Market
Segregated Fund
0.29%
*FMFs as at January 31, 2014. The FMFs displayed in this document do not include the applicable sales tax. However, these taxes are charged to
your account. FMFs include, but are not limited to, fund operating expenses and investment management fees.
What are Fund Management Fees?
Fund Management Fees (FMFs) include, but are not limited to, investment management fees as well as operating expenses for
both the segregated fund and its underlying fund.
Investment management fees pay for the services of professional investment managers who pick the investments for the
fund and build the fund’s portfolio. Management activities usually include:
•Visiting companies they are considering investing in and analyzing their financial statements and the risks
associated with the investments; and
• Monitoring all the investments their fund makes and deciding when to sell those investments and buy others.
A fund’s operating expenses are made up mainly of its legal and audit fees and transaction costs. Operating expenses also
include the fund’s administration costs and the costs of its regulatory filings. In some funds, operating expenses also include
embedded fees of the underlying fund.
FMFs are usually calculated yearly and are built into your investment. The yearly percentage is deducted in daily amounts
from the gross value of the fund. (The exceptions are expense-based funds, where the fee is based on your asset holdings
and calculated monthly.)
As well, FMFs pay for keeping records of your account and member servicing costs. Applicable taxes also are charged on the
management fees and on some portions of operating expenses.
FMFs change from time to time as expenses change.
APPENDIX B:
How-to
Getting started
How to access Sun Life Financial online
•You have two options to access Sun Life Financial online: through your Edward Jones Personal & Job Information/
Jones Associate Connection, or through Sun Life Financial’s website at mysunlife.ca/edwardjones.
• Signing in through JonesLink/JonesNet:
Branch Associates:
JonesLink > Working at Jones > Personal & Job Information > Benefits, RRSP/DPSP >
Sun Life Financial’s Member Website.
Home Office Associates:
JonesNet > Associate Info > Jones Associate Connection > Benefits, RRSP/DPSP >
Sun Life Financial’s Member Website.
Click on the Sun Life Financial link. By selecting the link to Sun Life Financial, you are authorizing
Edward Jones to send your personal identifiers, in an encrypted manner, to Sun Life Financial to be
used for authentication and the activation of the Single Sign-On service.
The first time you enter via Personal & Job Information/Jones Associate Connection, you will be asked
to verify your identity and set up an access ID and password. To verify your identify, you will be asked to
enter your Associate ID which can be found in the top, left hand corner of your Personal & Job Information/Jones Associate Connection screen, right below your name and labeled as Employee ID. In the
future, when you enter the site from Personal & Job Information/Jones Associate Connection, you will
not have to use your Sun Life Financial access ID and password. (This access ID and password will allow
you to sign in from any other computer and is used if you contact Sun Life Financial by phone.)
• Signing in through mysunlife.ca/edwardjones: Go to mysunlife.ca/edwardjones from any web browser.
You will need your date of birth and your account number to sign in using this method (and any
time in future when you contact Sun Life Financial’s Customer Care Centre); your account number
is the number 39009 followed by your Edward Jones 7-digit numeric Employee ID (eg. 39009XXXXXXX).
If you forget your account number, you may contact Sun Life Financial’s Customer Care Centre
(1-866-896-6976, any business day from 8 A.M. to 8 P.M. ET) or look for this account number on your
statements, once you start receiving these from Sun Life Financial.
Edward Jones Retirement Plan | E D WA R D J O N E S | 10
How to enrol in your plan
•Sign into the site or enter through your Personal & Job Information/Jones Associate Connection.
• In the my financial future section, select Enrol now.
• Select Let’s get started.
• Choose your Group RRSP account.
• Follow the steps provided.
Note: Don’t forget to designate a beneficiary for your plan assets as part of the enrolment process.
How to designate a beneficiary for your assets
If you are eligible to contribute to the Group RRSP and aren’t already participating, follow
these steps to enrol any time:
•Sign into the site or enter through your Personal & Job Information/Jones
Associate Connection.
• From the my financial future section of the Home page, select my
financial centre.
•From the Quick Links drop-down menu, select Beneficiary info; a fillable form
is available if you choose Beneficiary Designation Form on this page.
• Fill in the form electronically.
• Once you’ve filled in the form, print it and sign it.
• Mail the original completed and signed form to the address provided on the form.
Why is it important to
choose a beneficiary?
By designating a beneficiary, it will ensure your
assets will be distributed
according to your
wishes in the event of
your death. Otherwise,
your beneficiary election
will default to your
estate, which may not
be your wish.
Note: To request a paper copy of the beneficiary designation form, call Sun Life Financial’s
Customer Care Centre at 1-866-896-6976, any business day from 8 A.M. to 8 P.M. ET.
A representative will be happy to mail one to your home address.
Going forward
How to access your account anytime
•Sign into the site or enter through your Personal & Job Information/Jones Associate Connection.
•From the my financial future section of the Home page, select my financial centre for your Edward Jones
plan. (Note that if you are a previous Sun Life Financial plan member through another plan, you’ll see that plan
here too.)
How to find fund and fee information online
• Sign into the site or enter through your Personal & Job Information/Jones Associate Connection.
• From the my financial future section of the Home page, select my financial centre for your Edward Jones plan.
•To find your fee information: Under the Accounts drop-down menu, select Account fees to find out your
current fees.
•To find out more about your funds: Under the Quick Links drop-down menu, select Investment performance
followed by the Morningstar® link.
11 | E D WA R D J O N E S | Edward Jones Retirement Plan
How to change your investments in the RRSP or DPSP anytime
•Sign into the site or enter through your Personal & Job Information/Jones
Associate Connection.
•On the my financial future section of the Home page, select my financial
centre for your Edward Jones plan.
• From the Requests drop-down menu, select Change investments.
• Select the account for which you’d like to change your investments (i.e., RRSP or DPSP).
• Follow the instructions provided.
Note: You must repeat this process for each account you wish to update (DPSP and
Group RRSP).
How to change your regular paycheque contribution rates
While you can change
your investment
instructions any time,
it’s important to keep
Sun Life Financial’s
short-term trading
policy in mind:
There are no charges
for transfers. However, a
two per cent fee may be
charged if you make a
transfer in to a fund
followed by a transfer
out of the same fund
within 30 calendar days.
•Sign into the site or enter through your Personal & Job Information/Jones
Associate Connection.
• On the my financial future section of the Home page, select your Group RRSP account under the Edward Jones plan.
• From the Requests drop-down menu, select Contribute.
• Choose Payroll deduction then follow the instructions to update your contribution level through payroll.
How to contribute from your trimester bonus cheque
•Sign into the site or enter through your Personal & Job Information/Jones Associate Connection.
• On the Home page, under my financial future, select my financial centre.
• Under the Requests drop-down menu, select Trimester Bonus, then Update.
•The trimester bonus page allows you to enter the dollar amount or percentage you wish to contribute from
your bonus. You can contribute a maximum of 75 per cent. Please enter your chosen amount or percentage, and
select Continue.
• Once you are happy with your choice, choose Submit.
How to get help answering your questions
Sun Life Financial’s Customer Care Centre representatives are available to help you enrol and to help you manage your
account after you’ve enrolled. Representatives are available at 1-866-896-6976, any business day from 8 A.M. to 8 P.M. ET.
ESSENTIAL CONTACTS:
Sun Life Financial:
www.mysunlife.ca/edwardjones
Phone: 1-866-896-6976
Access through JonesLink/JonesNet:
Branch Associates: JonesLink > Working at Jones > Personal & Job Information > Benefits, RRSP/DPSP >
Sun Life Financial’s Member Website
Home Office Associates: JonesNet > Associate Info > Jones Associate Connection > Benefits, RRSP/DPSP >
Sun Life Financial’s Member Website
Edward Jones HR Profit Sharing:
www.edwardjones.com/canadaprofitsharing
Email: [email protected]
Phone: 314-515-9601
Edward Jones Retirement Plan | E D WA R D J O N E S | 12
APPENDIX C: FAQs
Who developed the investment lineup?
The Profit Sharing Committee developed it. The investments are a result of extensive research, analysis and due diligence,
including input from our own Mutual Fund Research department.
Who makes up the Profit Sharing Committee?
The committee is comprised of associates hand selected by the Managing Principal of Canada and includes representatives
from the field and Home Office. The current members are:
•Sucharita Maitra, HO Insurance/Banking Services – Mississauga, ON
•Financial Advisor Robert Henderson – Elliot Lake, ON
•Financial Advisor Geoff MacPherson – Newmarket, ON
•Sr. BOA Alena Strzelecki – Vernon, BC
•Wayne Bolton, HO Compliance/Field Supervision – Mississauga, ON
Why are there no individual mutual funds available in the DPSP fund lineup?
The firm contributes a significant amount to the profit sharing plan to help associates build toward their retirement. With
such a large commitment, the firm and the Profit Sharing Committee feels responsible to help all associates maintain a
properly diversified portfolio to reduce risk, while delivering the type of long-term returns participants expect. Historically, a
more conservative approach has been taken with retirement dollars contributed by the firm.
Why were asset allocation funds from SEI selected?
The Profit Sharing Committee decided the process employed by SEI aligned well with the firm’s retirement plans and the
needs of a serious, long-term investor. The committee was particularly impressed with the due diligence used in selecting
investment managers for a fund, the ongoing monitoring and adjusting of investment managers and the approach used for
manager allocations and rebalancing.
The investment options in the DPSP and Group RRSP are segregated funds, what is a
segregated fund?
A segregated fund contains the assets of a retirement plan that are held by an insurance company for investment. The assets
in such funds are held in a separate account of the insurance company and, as such, are segregated from the insurance
company’s other assets. Neither the value of the assets nor the rate of return is guaranteed. The assets are only available to
satisfy the claims of members participating in those funds.
13 | E D WA R D J O N E S | Edward Jones Retirement Plan
Are the segregated funds in the plan like variable annuities?
Legislation uses the term “segregated fund” in two contexts. One is described in the question above. Another is in terms of
individual insurance contracts that include guarantees against loss of principal. Segregated funds under individual insurance
contracts are different than those offered in our plan. The segregated funds in the DPSP and Group RRSP do not carry with
them any minimum guarantees.
Why are there no U.S. investment options in the Group RRSP?
To simplify fund selection for participants, global funds are offered as opposed to separate U.S. and international funds.
The committee deemed an appropriate level of U.S. exposure would be provided by the professional money manager of a
global fund.
How do I know which investment options to select?
After you complete the Risk Tolerance Questionnaire and determine your Investor Life Stage, you can use the portfolio
objective guidance table to help determine the portfolio objective that is best for you. You can complete this process at
www.edwardjones.com/canadaprofitsharing. Read the Building Your Portfolio Strategy Report and use what you learn
as you review the investment options available to you.
Where can I get help selecting my new investments?
In addition to the online resources noted in the prior question, you may wish to speak with your financial advisor or another
trusted financial professional for guidance.
What happens if I don’t make an investment selection for the DPSP?
If you don’t make an investment selection, you will automatically be assigned to the default option, SEI Balanced 60/40, and
your future allocations will be directed to that investment.
If my account defaults, can I change my elections?
Yes. You can change elections at any time. You can make changes through the plan website.
The first time I sign into the Sun Life Financial site through Personal & Job Information/Jones
Associate Connection, it asks for my associate ID. Where do I find that number?
Your associate ID can be found in the top, left hand corner of your Personal & Job Information/Jones Associate Connection
screen. It is labeled as Employee ID and appears right below your name.
If I change how much I contribute, when will I see the new deduction amount on my paycheque?
egular paycheques: Any changes must be filed two Thursdays before the pay date, to reflect on your paycheque.
R
For example, if the pay date is Friday the 15th, the changes must be entered by Thursday the 7th.
•Trimester bonus cheques: The pay date for trimester bonus cheques varies with each trimester. We recommend
having trimester bonus deferral elections entered on the Sun Life Financial system at least 10 business days prior
to the paycheque date.
•
Edward Jones Retirement Plan | E D WA R D J O N E S | 14
APPENDIX D:
Spousal RSP Enrolment Form
Spousal Retirement Savings Plan (RSP)
enrolment form
Sun Life Financial, Group Retirement Services
PO Box 2025 Stn Waterloo, Waterloo ON N2J 0B4
www.sunlife.ca
Please PRINT clearly.
Nota : La version française de ce document est également disponible.
RSP account type
Spousal RSP – Your spouse will be the owner and annuitant under the spousal account.
Your spouse, as owner, completes sections 2, 4, 7 and 8. Section 5 is optional.
You, as contributor, complete sections 3 and 6.
1
Plan sponsor information
This section is to be completed by
the plan sponsor.
Name of plan sponsor
Client ID
Plan
Contract number
Edward Jones
C0ORX
01
79194-G
Classifications
2
Payroll ID
User field
001
N/A
N/A
Owner information
Note: The term “owner” has the
same meaning as the term
“annuitant” in subsection 146(1)
of the Income Tax Act (Canada).
*By submitting this form you
authorize your social insurance
number (SIN) to be used for the
purposes of tax reporting and
administration of benefits and
where applicable, you also
authorize the use of your SIN as
your identification number until
such time as it is replaced with a
number that is not your SIN.
3
Subdivision
First name
Date of birth (dd-mm-yyyy)
–


Middle initial Last name
Social Insurance Number*
Male
Female
Identification number (not applicable for Spousal RSP)
–
Address (street number and name)
City
Apartment or suite
Province
Postal code
Telephone number (day)
–
Email address
–
Telephone number (evening)
–
–
Contributor information
This section is to be completed by
the contributor to the account.
First name
Social Insurance Number
Page 1 of 4
C0ORX - RSP 272-068 - 08-12 LA
Middle initial Last name
Identification number
For SLF use:
ENRLMNT
4
Beneficiary designation
Complete this section to designate a
primary beneficiary for your
account.
In the absence of a beneficiary
designation, and if not payable to
your spouse as prescribed by law,
death benefits will be paid to your
estate. It is important for you to
ensure that you specify in your will
to whom the death benefit should be
paid.
The following caution is required by
Manitoba law. It may also be
applicable in other jurisdictions.
Caution: Your designation of a
beneficiary by means of a
designation form will not be
changed or revoked automatically
by any future marriage or divorce.
Should you wish to change or
revoke your beneficiary in the event
of a future marriage or divorce, you
have to do so by means of a new
designation.
If you have a spouse when you die, the law may stipulate that all or part of the death benefit be paid to your
surviving spouse, unless where provided, the spouse waives the death benefit. A beneficiary designation
other than your spouse would only apply to those death benefits which are not, according to the law, payable
to your surviving spouse. If you wish to ensure that your spouse receives all benefits, please designate your
spouse here.
I revoke any previous beneficiary designations and name as beneficiary for benefits due on my death:
Beneficiary’s first name
Middle
Last name
initial
Relationship to you*
Percentage
of benefits
%
%
%
*Quebec: if you name your spouse as beneficiary, please indicate if this person is your common-law spouse.
Otherwise we will deem this person to be your legal spouse.
Important where Quebec law applies: a legal (married or civil union) spouse beneficiary is irrevocable
unless you indicate otherwise.
If you have an irrevocable beneficiary, you may not change your beneficiary designation and may not be able
to withdraw/transfer your assets out of the plan unless you provide Sun Life Financial with the irrevocable
beneficiary's written consent.
To avoid this restriction and make your beneficiary designation revocable
 Revocable Beneficiary
you must check here:
Note: To appoint a trustee for a beneficiary who is a minor, please complete the ‘Appointment of trustee for a minor
beneficiary’ form. In Quebec, any amount payable to a minor beneficiary during his/her minority will be paid to the
parent(s) or legal guardian on his/her behalf.
5
Contingent Beneficiary designation
Complete this section to appoint a
contingent (secondary) beneficiary
for your account
If there is no surviving beneficiary at the time of my death, I declare that the following contingent
beneficiary shall receive all benefits due on my death in accordance with any applicable legislation. If there
is no surviving contingent beneficiary at the time of my death, the proceeds shall be paid to my estate.
I revoke all previous contingent beneficiary appointments.
Contingent beneficiary’s first name
Middle
initial
Last name
Relationship to you
Percentage
of benefits
%
%
%
6
Contributions
This section is to be completed by
the contributor to the account.
I authorize my employer to deduct a total RSP contribution of ________ % or $ _________ per pay.
Please select either Option A or B to allocate the total contribution amount to your RSP and/or your Spousal RSP.
Reminder: choose only ONE option below.

Option A – Split contribution between member and spousal RSP
________% of the total payroll deduction amount to my RSP plus
________% of the total payroll deduction amount to my Spousal RSP
The total of the two percentages entered in Option A must equal 100%

Option B – Allocate 100% of the amount deducted from my pay to my Spousal RSP
Signature of contributor (for Spousal RSP)
X
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7
Investment instructions
Choose funds from one or more of
the following investment
approaches.
Percentages must be in whole
numbers and total 100%.
I request Sun Life Assurance Company of Canada to allocate contributions to the plan as follows. This
instruction applies to all future contributions.
Pick the target risk fund that
matches your Investment Risk
Profile.
built FOR me – target risk funds
Pick from any of the funds listed on
this form to build your own
portfolio that matches your
Investment Risk Profile.
Percentage
allocation
%
SEI Growth 100 Fund (PZ8)
SEI Growth 80/20 Fund (K0A)
SEI Balanced 60/40 Fund (K0B)
SEI Balanced 50/50 Fund (PZ6)
SEI Income 30/70 Fund (PZ7)
SEI Income 20/80 Fund (PZ9)
%
%
%
%
%
built BY me
Sun Life Financial Money Market Segregated Fund (K0G)
%
BlackRock Universe Bond Index Segregated Fund (K0H)
%
PH&N Bond Segregated Fund (K0I)
%
Templeton Global Bond Segregated Fund (K0J)
%
CI Canadian Investment Segregated Fund (K0K)
%
CI Global Value Segregated Fund (K0L)
%
CI Signature Income & Growth Segregated Fund (K0M)
%
Trimark Canadian Segregated Fund (K0N)
%
Trimark Income Growth Segregated Fund (K0O)
%
Bissett Canadian Equity Segregated Fund (K0P)
%
CC&L Canadian Small Cap Segregated Fund (K0R)
%
MFS Global Equity Segregated Fund (K0Q)
%
Total
100 %
If the total % does not equal 100%, or if this information is not completed, Sun Life Assurance Company of
Canada reserves the right to invest the difference/total in the default fund chosen for the plan by your plan
sponsor, which is the SEI 60/40 Balanced Fund.
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8
Your authorization and signature
I apply for a RSP to be established under the terms of the Group Annuity Policy issued by Sun Life
Assurance Company of Canada.
I request that Sun Life Assurance Company of Canada apply for registration of the RSP as a registered
retirement savings plan (RRSP) under the Income Tax Act (Canada) and, if applicable, under the Quebec
Taxation Act.
I appoint the plan sponsor named in this Application to act as my agent for the purpose of the Plan, including
payroll deductions, if applicable.
I agree to be bound by the terms of the Group Plan and, if applicable, any locking-in endorsement.
I require that all future communications, including this application and Group Plan documents, be provided
in English.
I authorize Sun Life Assurance Company of Canada, its agents and service providers, to obtain, use and
transmit to my plan sponsor, its agents and service providers, my personal information for the purpose of
plan administration.
I also authorize Sun Life Assurance Company of Canada, its agents and service providers to transmit my
personal information to the advisor appointed by my plan sponsor, if any, or to my personal advisor for the
purpose of enabling in-plan advisory services.
Unless I select ‘No’ below, I agree that my information may be collected, used and shared with the members
of the Sun Life Financial group of companies*, their agents and service providers to inform me of other
financial products and services that they believe meet my changing needs.
 No, I refuse permission.
*The companies in the Sun Life Financial group of companies mean only those companies identified in Sun Life Financial’s Privacy
Policy for Canada which is available on the Sun Life Financial website, www.sunlife.ca.
Owner signature
Date (dd-mm-yyyy)
X
9
–
–
Acceptance of application
Sun Life Assurance Company of Canada’s acceptance of application.



Authorized signatures:
10
Keeping your information confidential
Chief Executive Officer
Secretary
Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, is
committed to keeping your information confidential. We may leverage our strengths in our worldwide
operations and in our negotiated relationships with third party providers and reinsurers who, in some
instances, may be located in jurisdictions outside Canada. Your personal information may be subject to the
laws of those foreign jurisdictions. Sun Life Financial’s operations worldwide and our third party providers
are required to protect the confidentiality of your personal information in a manner that is consistent with
our privacy policy and practices.
To find out about our Privacy Policy, visit our website at www.sunlife.ca, or to obtain information about
our privacy practices, send a written request by email to [email protected], or by mail to Privacy
Officer, Sun Life Financial, 225 King St. West, Toronto, ON M5V 3C5.
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Notes
Notes
Notes
PMS 5535
PMS 5535
PMS Black
Black
PMS White
02/14-pb-jc