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Group Retirement Program Investment Options for Members Net Worth Employee Benefits Inc. Group Retirement Program Investment Options for Members January 1st 2020 20 Holly Street Toronto, Ontario M4S 3B1 Tel: 416-588-2808 h Toll Free: 1-866-258-4788 h Fax: 416-597-5768 h e-mail: [email protected] VMware Group Retirement Program Overview VMware recognizes the importance of sound financial retirement planning. The VMware Group Deferred Profit Sharing Plan and VMware Group Registered Retirement Savings Plan reflect VMware’s commitment to helping its members to prepare for their financial retirement. Details of the program are set out below: The VMware Group Retirement Program is a voluntary program, composed of a Group Deferred Profit Sharing Plan (DPSP) and a Group Registered Retirement Savings Plan (RRSP). Effective Date The Program was effective April 1, 1996 Eligibility You are eligible to join this program if you are a full time employee and work a minimum of 20 hours per week. Investment Direction Members will direct the investment of their account balances under each of the plans, using the investment options available under the program. Changes to your investment options can be made at any time, free of fees, by calling Manulife at 1-888-727-7766, or by logging in at www.manulife.ca\GRO Default If investment directions are not provided, a member’s account balance will be invested in the appropriate Retirement Date Fund. The appropriate Retirement Date Fund will be determined using the normal retirement date of age 65 Basic Contributions You can make a basic contribution of 1% to 6% of your earnings*to the VMware Group RRSP. * definition of earnings will be (whole percentages only) VMware will match this basic contribution on a dollar-for-dollar basis up to a base salary plus maximum of 6% of earnings (not to exceed $1,120 Cdn per quarter) and will deposit this VMware overtime/bonus/ matching contribution to the VMware Group Deferred Profit Sharing Plan. Your VMware Group RRSP commission/vacation contributions can be directed to an VMware Group personal RSP or a VMware Group spousal RSP. VMware reserves the right to make adjustments to the VMware annual total matching contribution based on profitability and fluctuations in currency. Voluntary You can make voluntary contributions (over and above your basic contributions) to the VMware Group Contributions RRSP. These voluntary contributions to the VMware Group RRSP can be directed to a VMware Group personal RSP or a VMware Group spousal RRSP. VMware will not match any voluntary contributions. Contribution Limits A Overall contributions under the program, by and for each member, are subject to, and may not exceed, the contribution limits set out under the Income Tax Act (Canada). A Your RRSP annual limit is your responsibility to monitor. A Your personal RRSP limit can be determined via your Notice of Assessment from Canada Customs & Revenue Agency. Remittance Schedule VMware will be remitting the contributions to Manulife Financial on a bi-weekly basis Investment A Investment management fees (IMF) relating to the Investment Options are levied as a percentage of Management Fees assets and are paid within the fund (gross rates of return reflect performance before the IMF deduction, while net rates of return reflect performance after the deduction of fees) Fees A Transfers between available investment options are free when using Manulife internet or telephone; otherwise 4 free transfers initiated by letter or fax per calendar year, $25 per occurrence thereafter. A Members requesting interim statements - $5 per statement (Manulife statements are issued quarterly and are mailed to your primary residence); online statements are free of charge A Member requesting duplicate tax forms or receipts - $10 per occurrence; online tax forms or receipts are free of charge A Your RRSP voluntary contributions are fully vested at all times, and may be withdrawn in cash (less applicable withholding taxes); withdrawal of voluntary contributions - 1 free per calendar year, $25 per occurrence thereafter VMware\Investment Options for Members Page 2 Net Worth Employee Benefits Inc. VMware Group Retirement Program Overview The differences between the two components are set out in the following table: Deferred Profit Sharing Plan Registered Retirement Savings Plan Policy Number 30004313 20004313 Administration Fee Paid by VMware Paid by VMware Enrolment Process Not required (generated through MyLife RSP MyLife for a personal RSP activation) MyLife for a spousal RSP (if desired) Employee Basic & VMware matching contributions will be Employee Basic contributions will be directed to the EMC Canada directed to the VMware DPSP VMware RRSP Matching Contributions Employee Basic & VMware matching contributions must remain Employee basic contributions must remain in the VMware Matching in the VMware Group DPSP plan while you are VMware Group RRSP plan while you are employed by Contribution employed by VMware VMware Withdrawals Employee Voluntary not applicable Employee voluntary contributions (over and above your Contribution basic contributions) can be withdrawn in cash (less Withdrawals applicable withholding taxes), or transferred to another financial institution Vesting - Locking in Immediate Immediate Finding a Personal A financial planner can help you understand financial planning and investment. Check for credentials, such Financial Planner as a Certified Financial Planner (www.cfp-ca.org) designation. Interview your financial planner, ask questions and do your homework, as you would in choosing a family doctor or lawyer. You can also contact the Investment Dealers Association of Canada (www.ida.ca) for a list of registered firms and dealers. Money Managers Investment funds are subject to the cyclical nature of a single investment style. No single investment style is right for all phases of the economic and market cycle. Portfolio risk can be reduced by a multi-manager, multi-style investment strategy featuring diversification by manager style and in turn, investment philosophy. Fund Managers C Beutel, Goodman and Company Ltd (B&G) C Blackrock Asset Management Canada Ltd C Connor Clark & Lunn Investment Management Ltd (CC&L) C Fidelity Investments Canada ULC C Fosyston, Gordon & Payne Inc (FGP) C Invesco Canada: C Jarislowsky Fraser Limited C Manulife Investment Management Ltd (MIM) C Mawer Investment Management Ltd C MFS Investment Management Canada Ltd C Sprucegrove Investment Management Ltd C Wellington Management Company LLP VMware\Investment Options for Members Page 3 Net Worth Employee Benefits Inc. Volatility @ 2020/01/01 Retirement Date Funds Asset Allocation Funds Mutual Funds Guaranteed Interest Accounts A Least 1001 1 year GIA Volatile 1003 A 3 year GIA 1005 A 5 year GIA 0 to 1 Canadian Money Market 3132 A Canadian Money Market (MIM) 2000 A Manulife Retirement 2001 A Conservative Canadian Bond & Fixed Income Income Fund Asset Allocation 4141 A Fidelity Canadian Bond 2020 A Manulife Retirement 2002 A Moderate 4191 A MIM Canadian Bond Index 2 to 4 Date 2020 Asset Allocation 2025 A Manulife Retirement Date 2025 2030 A Manulife Retirement 2003 A Balanced Canadian Balanced 5 Date 2030 Asset Allocation 5011 A Manulife Balanced 2035 A Manulife Retirement 2004 A Growth Canadian Balanced Date 2035 Asset Allocation 5132 A MMF Monthly High Income 6 2040 A Manulife Retirement Date 2040 2045 A Manulife Retirement Canadian Balanced Date 2045 5181 A Invesco Income Growth 2050 A Manulife Retirement Date 2050 7 2055 A Manulife Retirement Date 2055 2060 A Manulife Retirement Date 2060 2005 A Aggressive Canadian Bond & Fixed Income Asset Allocation 4162 A MFS Long Term Fixed Income Canadian & U.S. Large Cap Equity International & Global Equity Canadian Small to Mid Cap Equity 7132 A MIM Canadian Equity Index 7141 A Fidelity Canadian Large Cap 7241 A Jarislowsky Fraser Canadian Equity 7631 A Beutel Goodman Canadian Equity 8321 A BlackRock International Equity Index 8 to 25 7313 A CC&L Group Canadian Q Growth Most 7381 A FGP Small Cap Canadian Equity Volatile 7122 A MMF Growth Opportunities 8361 A Sprucegrove International Equity 8452 A Mawer International Equity 8131 A MIM U.S. Equity Index 8181 A Investco Global Companies 8631 A Beutel Goodman American Equity 8196 A U.S. Diversified Growth Equity (Wellington) 8142 A Fidelity U.S. Focused VMware\Investment Options for Members Page 4 Net Worth Employee Benefits Inc. Code Descriptions of Funds (in numerical order) (#) = Volatility @2020/01/01 1001 1 year Guaranteed Interest Account (0) 1003 3 year Guaranteed Interest Account (0) 1005 5 year Guaranteed Interest Account (0) 2000 Manulife Retirement Date 2000 (4) - The fund has approximately 30% in equities, while the remainder of the fund is invested in fixed income, mortgages and money market investments. 2020 Manulife Retirement Date 2020 (4) - The fund has approximately 30% to 35% in equities, while the remainder of the fund is invested in fixed income, mortgages and money market investments. 2025 Manulife Retirement Date 2025 (4) - The fund has approximately 40% in equities, while the remainder of the fund is invested in fixed income, mortgages and money market investments. The fund’s asset mix will gradually decline to approximately 30% in equities in the year 2025. 2030 Manulife Retirement Date 2030 (5) - The fund has approximately 45% to 50% in equities, while the remainder of the fund is invested in fixed income, mortgages and money market investments. The fund’s asset mix will gradually decline to approximately 30% in equities in the year 2030. 2035 Manulife Retirement Date 2035 (6) - The fund has approximately 55% to 60% in equities, while the remainder of the fund is invested in fixed income, mortgages and money market investments. The fund’s asset mix will gradually decline to approximately 30% in equities in the year 2035. 2040 Manulife Retirement Date 2040 (6) - The fund has approximately 65% to 70% in equities, while the remainder of the fund is invested in fixed income, mortgages and money market investments. The fund’s asset mix will gradually decline to approximately 30% in equities in the year 2040.
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