Investment options - Amazon S3 Mutual F… · Your investment representative can help you develop a solid financial security plan to meet your investment goals. 3 Quadrus Group of

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Investment options

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Investing isn’t just about making

money; it’s about making the right

choices today to help you achieve your

vision of tomorrow. Your investment

representative can help you develop a

solid financial security plan to meet

your investment goals.

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Quadrus Group of Funds gives you diversity and choiceAs your life changes, Quadrus Group of Funds has the choice and flexibility to meet your evolving needs, whether you want to grow your wealth, draw an income from it, defer tax or leave a legacy. For flexible and diverse investment options, coupled with a strong approach to help you meet those long-term goals, look to Quadrus Group of Funds.

You get a professionally managed, multi-style approach to investing that brings some of the world’s leading investment managers together to provide:

■ Folio funds

■ Corporate class funds

■ Income distribution series

■ Dollar-cost averaging service

■ Automatic rebalancing

■ Charitable giving program

Distributed exclusively through Quadrus Investment Services Ltd.,

Quadrus Group of Funds is managed by Mackenzie Financial Corporation,

one of Canada’s leading mutual fund managers.

www.quadrusgroupoffunds.com

Account types■ Registered

■ Non-registered

■ Tax-free savings account

Features■ Pre-authorized monthly contributions

beginning as low as $25 per month

■ Free switching between funds*

■ No charge transfer to registered retirement income funds (RRIFs)

* A fee exists to detect and deter inappropriate or excessive short-term trading. See the prospectus for details.

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Transition from saving to taking an incomeUsing income distribution series with corporate class funds combines the tax-deferral benefits of income distribution series with the tax-deferral benefits of corporate class funds to provide an even greater opportunity for tax-efficiency when taking an income.

You can grow your assets by investing in corporate class funds now, then, when you are ready to take an income, you can switch into distribution income series corporate class without triggering a disposition or capital gains.

1. Manage riskFolio funds: Complete, diversified portfolios in a single fundEach folio fund is a carefully constructed portfolio of funds designed to match your investment goals and tolerance for risk while protecting you from the extremes of market volatility.

Folio funds help maintain expected returns that range from generating current income to providing long-term growth. All are diversified across investment management style, geographic region and asset class and are automatically rebalanced. Because these funds are engineered to minimize risk, all you have to do is choose the one appropriate for your risk tolerance and professional investment managers take care of the details.

2. Reduce taxesCorporate class funds – a tax-efficient way to investCorporate class funds offer opportunities for tax efficiency for your non-registered investments.

They help you reduce taxes in three ways:

1. Rebalancing or switching among funds in your account does not trigger immediate capital gains.

2. There is the potential to receive lower taxable income.

3. If there is taxable income, you pay less tax on it because of the type of income (capital gains and/or dividend income).

Series options to meet your needsFor those with substantial investments, you have access to series options with fees that may be tax-deductible. This is possible because the management and administration service fees and fund management fees on non-registered accounts are charged separately.

Income distribution series – tax-efficient incomeAlthough you can’t avoid paying income tax, you can invest in income distribution series funds, which allow you to defer tax without sacrificing the growth potential of your non-registered mutual fund investments.

Income distribution series, available with a five or eight per cent annual distribution, generates tax-efficient monthly cash flow without redeeming units. Each distribution is made up mostly of a return of your original investment – a return of capital – plus any income. The return of capital portion of the payment isn’t taxable when you receive it. Instead, your adjusted cost base is reduced, allowing you to defer taxes until some point in the future. Some funds may also make a year-end distribution of taxable income in the form of interest, dividends and/or capital gains.

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To minimize portfolio drift, you need a plan to bring your asset mix back to its original state. The rebalancing service automatically adjusts your asset mix on a quarterly, semi-annual or annual basis, allowing you to sell an asset class that has done well (which may cause a taxable disposition), and purchase those that may currently be undervalued. The result is a buy-low and sell-high approach that brings your portfolio back in line with your personal tolerance for risk. You choose how far your portfolio drifts before it gets rebalanced, from a minimum of two per cent to a maximum of 10 per cent from your original specifications, depending on your comfort level with risk.

Rebalancing is a core investment principle and this rebalancing service is offered to you for free – an easy way to help you stick to your plan.

OveR TIMe ▼▼

RebALAnCe

3. Manage your portfolioDollar-cost averaging service: Make the most of market opportunities

Trying to time your investments to catch market upswings may cause you to miss out on growth opportunities. The dollar-cost averaging service is an easy way for you to apply the discipline of dollar-cost averaging and it removes the guesswork around trying to time the market.

Start by depositing a lump-sum investment into either the Quadrus Money Market Fund or the tax-free savings account (TFSA) high-yield savings account. The service will systematically and regularly move money into your choice of Quadrus Group of Funds over six or 12 months.

Rebalancing service minimizes portfolio driftPortfolio drift is the tendency for the original asset mix of a portfolio to change over time. This shift occurs naturally as markets fluctuate and one asset class or investment manager style outperforms another. The eventual result can be a mix of investments that no longer reflects your original objectives and personal tolerance for risk.

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4. Leave a legacyFacilitate philanthropy with the Quadrus charitable giving programIf you currently donate to your favourite charities, you probably consider how your contributions will be directed and how they’ll be remembered. No doubt you want to make a difference and ensure your favourite social causes are receiving the kind of support you want to give them.

The Quadrus charitable giving program facilitates philanthropy without the administrative responsibilities or costs associated with a private foundation. The program is designed to make giving a regular part of your overall financial security plan, allowing you to maintain control by recommending which charities receive grants each year. It’s a simple and convenient solution that gives you the ability to support your favourite charities now and in the future.

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The fund Managed by Investment style Objective

Asset allocation funds: Folio funds

Conservative Folio Fund

Multiple investment managers1

Multi-style • Seeks to provide regular income with low volatility

• Aims to invest 25 per cent in equities and 75 per cent in fixed income investments

Q, H, L, N

Moderate Folio Fund

Multiple investment managers

Multi-style • Seeks to provide income while also allowing for long-term capital appreciation


Q, D5, H, H5, L, L5, N, N5

balanced Folio Fund


Multi-style • Seeks to provide a balance between income and capital appreciation over the long term


Available on all series

Advanced Folio Fund


Multi-style • Seeks to provide long-term capital appreciation, with some income



Aggressive Folio Fund


Multi-style • Focuses on long-term capital appreciation

• Aims to invest 100 per cent in equity investments


build a portfolio to manage risk All investments have a risk/return tradeoff. You have a specific risk profile that reflects your comfort level with risk and the funds in which you choose to invest should reflect it. As your needs change, so can your fund selection.

You can choose a variety of funds on the spectrum of risk and return. It isn’t a matter of choosing one fund over another, but rather finding the right mix of funds based on your tolerance for risk. This ensures your portfolio is properly diversified, no matter how much you’ve invested.

Create a diversified portfolio based on your risk tolerance, time horizon and goals, by choosing from the suite of 42 funds offered by Quadrus Group of Funds. The result is a combination of investments that comfortably balance risk and return. Whether you want simplicity, tax efficiency, or complements to your other investments, Quadrus Group of Funds has many options.

Series option

1. Managed by Mackenzie Financial Corporation in consultation with Portfolio Solutions Group.

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The fund Managed by Investment style Objective Series option

Cash Management Corporate Class

Laketon Investment Management2

Not applicable • Seeks to provide preservation of capital and a steady flow of income primarily through investments in Canadian money market securities

Q, H, L, N

Quadrus Fixed Income Corporate Class

London Capital Management2

Not applicable • Seeks to gain exposure primarily to Canadian fixed income securities

• May invest directly or indirectly in a range of fixed income securities such as traditional fixed-rate, investment-grade Canadian government and corporate bonds, variable-rate bonds, real-return bonds, high-yield bonds, structured investments, foreign bonds and money market securities

Q, H, L, N

Quadrus Canadian equity Corporate Class

Multiple investment managers1

Multi-style • Pursues long-term capital growth by gaining exposure primarily to equity securities of companies located in Canada


Quadrus north American Specialty Corporate Class


Multi-style • Pursues long-term capital growth by gaining exposure primarily to equity securities of companies located in North America

• The fund achieves its specialty nature by investing in securities with a particular focus, such as small- or mid-capitalization stocks, or securities with a particular sector focus, such as resources or technology

Q, H, L, N

Quadrus U.S. and International equity Corporate Class


Multi-style • Pursues long-term capital growth by investing primarily in equity securities of companies located in the United States and other international markets, including the United Kingdom, Europe, Asia and the Far East


Quadrus U.S. and International Specialty Corporate Class


Multi-style • Pursues long-term capital growth through exposure to equity securities of companies located in the United States and other international markets, including the United Kingdom, Europe, Asia and the Far East

• The fund achieves its specialty nature by investing in securities with a particular focus, such as small- or mid-capitalization stocks, emerging markets worldwide, or securities with a particular sector focus, such as resources or technology

Q, H, L, N

Quadrus corporate class funds

1. Managed by Mackenzie Financial Corporation in consultation with Portfolio Solutions Group.2. A division of GLC Asset Management Group Ltd.

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Quadrus corporate class funds (continued)

Quadrus eaton vance U.S. value Corporate Class

Eaton Vance Management

Bottom-up, value

• Seeks to provide above average total return by investing primarily in equity securities of U.S. corporations


Quadrus Setanta Global Dividend Corporate Class

Setanta Asset Management Ltd.

Bottom-up, value

• Seeks to achieve long-term investment returns through capital growth and dividend yield by investing primarily in common and preferred shares of companies anywhere in the world


Quadrus Sionna Canadian value Corporate Class

Sionna Investment Managers Ltd.

Bottom-up, value

• Pursues long-term capital appreciation by investing mainly in equity securities of Canadian corporations


Fixed income funds

Quadrus Money Market Fund

Mackenzie Financial Corporation

Not applicable • Seeks to maximize income while preserving capital and maintaining liquidity by investing primarily in Canadian money market instruments such as treasury bills and short-term government and corporate debt

Q, H, L, N, RB

GWLIM Corporate bond Fund

GWL Investment Management2

Not applicable • Seeks to provide a high level of coupon interest income consistent with reasonable safety of capital by investing primarily in investment-grade Canadian corporate bonds

Q, H, L, N

London Capital Canadian bond Fund

London Capital Management

Not applicable • Seeks to provide interest income and the potential for moderate capital appreciation by investing primarily in Canadian government and investment-grade corporate bonds

Q, H, L, N

Quadrus Laketon Fixed Income Fund

Laketon Investment Management

Not applicable • Seeks to maximize income consistent with prudent levels of risk by investing in a combination of Canadian government and corporate bonds of various terms, debentures, notes, mortgages and other income-producing securities

Q, H, L, N

2. A division of GLC Asset Management Group Ltd.

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Canadian equity funds

Balanced funds

London Capital Income Plus Fund


Not applicable • Seeks to provide current income and moderate capital growth by investing primarily in Canadian government debt obligations and investment-grade corporate bonds and, to a lesser extent, in Canadian equity securities

Q, D5, H, H5, L, L5, N, N5

London Capital Diversified Income Fund


Not applicable • Seeks to provide current income with the potential for long-term capital growth by investing in a portfolio of fixed income and/or income-oriented equity investments

Q, D5, H, H5, L, L5, N, N5

Mackenzie Maxxum Canadian balanced Fund


Bottom-up, growth

• Seeks to achieve long-term growth by investing primarily in a combination of Canadian common shares, bonds and debentures to provide a portfolio of diversified investments


Mackenzie Sentinel Strategic Income Class


Bottom-up, value

• Seeks to provide income with the potential for long-term capital growth by investing primarily in fixed income and/or income-oriented equity securities

Q, D5, H, H5, L, L5, N, N5

GWLIM Canadian Growth Fund

GWL Investment Management

Top-down, growth

• Seeks to provide a high level of long-term capital growth by investing primarily in Canadian and foreign stocks and short-term investments


London Capital Canadian Diversified equity Fund


Blend of growth and value styles

• Seeks to provide long-term capital appreciation supplemented with dividend income by investing in a diversified portfolio of equity securities issued by a broad range of Canadian and, to a lesser extent, foreign companies


London Capital Canadian Dividend Fund


Bottom-up, value

• Aims to provide dividend income along with long-term capital growth by investing primarily in equity securities of Canadian corporations


Mackenzie Focus Canada Fund


Bottom-up, blend of growth and value styles

• Pursues long-term capital growth by investing mainly in equity securities of Canadian companies represented in the diverse industry sectors of the Toronto Stock Exchange


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Canadian equity funds (continued)

Mackenzie Maxxum Dividend Fund


Bottom-up, value

• Seeks to achieve superior, long-term investment returns through capital growth and dividend yield with below-average risk by investing primarily in common and preferred shares of Canadian corporations


Mackenzie Maxxum Canadian equity Growth Fund


Bottom-up, growth

• Seeks to provide long-term capital growth by investing primarily in common shares of Canadian-based corporations of any size


Quadrus AIM Canadian equity Growth Fund

Invesco Trimark Ltd.

Bottom-up, growth

• Seeks to provide above-average, long-term capital growth by investing primarily in publicly traded common stocks in long-term growth sectors of the market

Q, H, L, N

U.S. equity funds

London Capital U.S. value Fund


Bottom-up, value

• Pursues long-term capital growth by investing primarily in equity securities of mid- to large-capitalization U.S. companies


Mackenzie Universal American Growth Class


Bottom-up, growth

• Seeks long-term growth of capital and a reasonable rate of return by investing primarily in U.S. equities and to a lesser extent, equity securities of companies based outside of North America and in fixed income securities of U.S. and Canadian corporations, and government bodies

Q, H, L, N

Mackenzie Universal U.S. Growth Leaders Fund


Bottom-up, growth

• Seeks to achieve long-term growth of capital by investing in common shares of U.S. companies of any size, from larger, well-established companies to smaller, emerging growth companies

Q, H, L, N

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Global and regional equity funds

GWLIM north American Mid Cap Fund

GWL Investment Management

Top-down, growth

• Seeks to provide above-average, long-term capital appreciation by investing primarily in publicly traded equity securities of small- to mid-capitalization Canadian and U.S. companies with above-average growth potential

Q, H, L, N

Mackenzie Focus Far east Class


Bottom-up, growth at a reasonable price

• Pursues long-term capital growth by investing in a concentrated portfolio of Asian equity securities (excluding Japanese securities)

Q, H, L, N

Mackenzie Ivy european Class


Bottom-up, blend of growth and value styles

• Seeks long-term growth of capital by investing primarily in equity securities of European companies

Q, H, L, N

Mackenzie Universal emerging Markets Class


Bottom-up, growth

• Pursues long-term capital growth by investing primarily in equity securities of companies in emerging markets

Q, H, L, N

Mackenzie Universal Global Growth Fund


Growth • Seeks to achieve long-term growth of capital by investing in common shares of companies of any size throughout the world

Q, H, L, N

Quadrus Templeton International equity Fund

Franklin Templeton Investment Corp.

Bottom-up, value

• Seeks to achieve long-term capital appreciation by investing primarily in equity securities of companies in any country outside of Canada and the United States


Quadrus Trimark Global equity Fund

Invesco Trimark Ltd.

Bottom-up, value

• Seeks to achieve strong capital growth with a high degree of reliability over the long term by investing in equities of companies anywhere in the world

Q, H, L, N

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Sector equity funds

London Capital Global Real estate Fund


Bottom-up, growth

• Seeks to provide long-term capital growth by investing primarily in equity securities of companies, real estate investment trusts (REITs) and other trusts and entities around the world whose primary business is related to the ownership, management and/or development of real property


Mackenzie Universal Canadian Resource Fund


Blend of top-down and bottom-up styles

• Pursues above-average capital growth primarily through equity securities of Canadian companies engaged in the energy and natural resource industries

Q, H, L, N

Mackenzie Universal Precious Metals Fund


Blend of top-down and bottom-up styles

• Pursues long-term capital growth primarily by investing directly in precious metals and in equity securities of companies that produce or supply precious metals

Q, H, L, N

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Prominent investment managers bring diversification Quadrus Group of Funds brings together the expertise of prominent investment managers from around the world to manage your money. They continually research and monitor market trends and the companies in which they invest on your behalf. Our investment manager review process monitors how each manager fulfills his or her specific investment mandate, so you can be sure your investment expectations are met.

Building a diversified portfolio means investing in a number of funds to reduce overall risk. The same principle applies to using a number of investment managers within your portfolio. Each investment manager has a different management style to investing, including bottom-up, top-down, growth, and value, and each style can react differently under the same market conditions. Portfolios containing multiple management styles can provide more long-term consistency in performance over different market cycles.

Top-down

Focus their outlook on the economy as a whole. They identify regions or industries expected to perform well and select the best companies within those regions or industries.

bottom up

Focus on the fundamentals of specific companies and give less consideration to region or industry. Like all active managers, they analyze financial statements and interview company management and then select the best companies based on their research. Regional and industry weightings are the result of individual stock selection.

Growth

Look for companies with strong sales and earnings growth potential and are comfortable paying a premium for strong growth potential. They expect the market price of the stock to increase when its sales and earnings growth estimates materialize.

value

Select companies with a stock price that doesn’t reflect its true value. They expect the market price of the stock to increase when other investors realize that value exists.

Growth at a reasonable price

Invests in stocks with growth potential, but only when the stocks are reasonably priced relative to the overall market. They generally search for a favourable combination of earnings growth (higher is better) and price-to-earnings ratio (lower is better).

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eaton vance Managed Investments Eaton Vance is one of the oldest financial services firms in the United States and has a history dating back to 1924. Reflecting the traditional values of its home in Boston, Massachusetts, Eaton Vance has an established reputation as an investment manager offering a conservative approach to managing money and an uncompromising commitment to integrity and quality. Eaton Vance Corp. has US$200 billion* assets under management.

* At June 30, 2011

Fidelity InvestmentsFidelity Investments Canada ULC is part of the Fidelity Investments organization of Boston, one of the world’s largest providers of financial services. In Canada, Fidelity manages over C$67 billion* in mutual fund and institutional assets. This includes $14 billion in assets for instutitional clients including public and corporate defined benefit pension plan, endowments, foundations and other corporate assets on behalf of clients across Canada.

* At June 30, 2011

Franklin Templeton Investments Corp.Franklin Templeton Investments is a wholly owned subsidiary of Franklin Resources, Inc., a global investment organization operating as Franklin Templeton Investments. In Canada, Franklin Templeton Investments provides global and domestic investment advisory services to the Franklin, Templeton, Bissett and Mutual Series funds, and institutional accounts. With global assets under management of C$707.8 billion* and Canadian assets totaling C$33.9 billion*, Franklin Templeton Investments has more than 700 employees in Canada providing services to more than 1.4 million unitholder accounts and more than 140 pension funds, foundations and other institutional investors.

* At June 30, 2011

■ Templeton Investment Management Templeton was established in 1954 and follows a distinct value investment style. The investment team uses bottom-up analysis to search the world for securities that are selling below their assessed value. Templeton’s disciplined, long-term investment approach favours holding stocks for five years or more and is applied across Templeton’s diverse range of value solutions to enhance long-term returns and reduce risk. This time-tested valuestyle is backed by a rich history and has successfully endured numerous bull and bear markets.

■ bissett Investment Management For over 25 years, Bissett Investment Management has applied a disciplined team approach to its equity, income and balanced portfolios. Bissett’s equity team employs a bottom-up, growth at a reasonable price investment style to identify well-valued companies with a history of sustainable, replicable growth.

These investment managers are available through Quadrus Group of Funds:

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GLC Asset Management Group Ltd.GLC Asset Management Group Ltd. is a leading investment manager in Canada, whose singular focus is on providing their clients with superior, long-term investment performance. GLC manages $30 billion in assets* for Canadian investors and offers a broad range of investment mandates through three distinct investment management divisions: GWL Investment Management, London Capital Management and Laketon Investment Management.

GLC is a Canadian portfolio management subsidiary of The Great-West Life Assurance Company. Great-West Life has $199.9 billion in assets under administration (at June 30, 2011) and is a subsidiary of Great-West Lifeco Inc. and a member of the Power Financial Corporation group of companies.

* At Jan. 1, 2011

■ GWL Investment Management GWL Investment Management is a top-down, growth oriented, all-cap manager. In combination with comprehensive analysis of broad economic trends, the GWLIM investment team blends their top-down view with stock-level fundamental and technical analysis to seek out attractive growth investments.

■ London Capital Management London Capital Management is a bottom-up, growth-at-a-reasonable-price, large cap manager. Capitalizing on the risk/reward relationship between price and earnings growth, London Capital’s investment team uses a bottom-up investment process combining fundamental and quantitative analysis at both the stock and portfolio level to build well-diversified, large-cap portfolios.

InvescoWith more than US$650 billion* in assets under management and offices in more than 20 countries, Invesco is a leading independent global investment management company, dedicated to helping people worldwide build their financial security.

Invesco provides a comprehensive array of enduring investment solutions for retail, institutional and high-net-worth clients across Canada and around the world, delivering the combined power of our distinctive investment management capabilities through the Invesco and Trimark investment products.

Specialized investment teams with distinct perspectives deliver diversified investment strategies ranging from major equity and fixed-income asset classes to alternative asset classes including real estate, private equity and commodities. Our single focus on asset management means that our investment professionals are dedicated to achieving the strongest, most consistent investment performance over the long term.

Invesco’s extensive global footprint, high level of diversification and full range of investment capabilities enable us to quickly and effectively meet the diverse needs of our clients, wherever they reside.

* Assets under management US$653.7 at June 30, 2011.

■ Laketon Investment Management Laketon Investment Management is a bottom-up, large-cap, growth manager. With an emphasis on concentrated portfolios, Laketon’s investment team seeks out high quality companies with strong growth prospects by applying a bottom-up investment approach that includes both quantitative and qualitative inputs.

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Mackenzie InvestmentsMackenzie Investments was founded in 1967, and is a leading investment management firm providing investment advisory and related services. With C$68.3 billion in assets under management*, Mackenzie Investments distributes its services through a diversified network of third-party financial advisors. It offers more than 100 mutual funds under such well-recognized names as Cundill, Universal, Ivy, Sentinel, Maxxum, Symmetry, Focus and Saxon. Mackenzie Investments is a member of the IGM Financial Inc. group of companies.

IGM Financial is one of Canada’s premier financial services companies with more than C$123 billion* in total assets under management.

* At June 30, 2011

■ Maxxum offers a core solution for investors,

characterized by a focus on dividends and capital

appreciation.

■ Saxon is characterized by a disciplined all-capital

value investment style across a wide range of

mandates and geographic regions.

■ Ivy funds follow a blended management style

centered on bottom-up, fundamental investment

research and business analysis, characterized by

ownership in select businesses, patiently acquired.

■ Universal funds offer a wide range of approaches

and mandates, from global to regional to sector and

specialty.

■ Sentinel Income-oriented funds including domestic

bond, global bond, tax-efficient and money market

funds; they’re managed using a disciplined fixed

income value investing approach.

■ Cundill The Cundill philosophy is based on

fundamental deep-value investing; preserving

invested capital is the hallmark of the managers’

contrarian value approach.

■ Focus Multi-managed equity funds featuring the

best ideas of represented portfolio managers.

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Setanta Asset Management LimitedSetanta Asset Management was established in 1998 and manages more than C$7.1 billion* from its base in Dublin, Ireland. Setanta does not believe the market is efficient. Their aim is to purchase and own assets at a price below a reasonable assessment of their worth. As value managers, this is where they focus their resources. Their process is akin to assessing a part ownership of a business rather than trading a security. This assessment of value must always encompass a thorough understanding of where this value is derived. Risk management is central to their analysis and they seek to identify this risk in three areas:

■ Financial risk: Detect financial weaknesses that might destabilise the investment

■ Operational risk: Identify factors which could cause a loss of earnings power

■ Valuation risk: Avoid over-paying for an investment

Setanta Asset Management Limited is a wholly owned subsidiary of The Canada Life Assurance Company.

* At June 30, 2011

Sionna Investment Managers Inc.Sionna is an independent investment counselling firm established in September 2002, and 100 per cent owned by senior employees. Sionna has C$3.2 billion in assets*. Sionna provides investment management services to institutional clients, mutual funds, separately managed account programs and high-net-worth individuals. Institutional clients include pension, foundation and endowment, government/sovereign, and corporate funds.

* At June 30, 2011

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Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated.

Overall, while corporate class funds provide tax-deferral advantages, taxes may still be payable in the future, as these funds only delay realizing a taxable capital gain. Corporate class funds don’t allow you to avoid incurring tax liabilities. When clients redeem funds from the corporate class fund family a capital gain or loss is created. Funds may realize capital gains from trading activity (switches) that may potentially increase capital gains dividends distributed to investors.

The information provided is accurate to the best of our knowledge as of the date of publication, but rules and interpretations may change. This information is general in nature, and is intended for educational purposes only. For specific situations you should consult the appropriate legal, accounting or tax expert.

Quadrus Investment Services Ltd. and design, Quadrus Group of Funds and Fusion are trademarks of Quadrus Investment Services Ltd. In Quebec, Quadrus Investment Services Ltd. is a firm in financial planning and a mutual fund dealer firm. 40-5015-10/11

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Investment options - Amazon S3 Mutual F… · Your investment representative can help you develop a solid financial security plan to meet your investment goals. 3 Quadrus Group of