FUND FACTS SHEET
Make the most of the 30% tax credit1 available on an investment in Golden Opportunities Fund
shares by using top investment strategies:
Back Office: Prometa Fund Support Services Inc.
Unit 220 – 155 Carlton Street | Winnipeg, MB R3C 3H8 | Phone: 1-866-261-5686 | Fax: 1-866-585-5657
Email: [email protected]
Corporate Head Office:
Suite 830, 410-22nd Street East | Saskatoon, SK, S7K 5T6 | Phone: (306) 652-5557
Email: [email protected] | www.goldenopportunities.ca
Who is this Fund for?
A Word About Tax
Investors who:
• Are seeking a tax efficient investment in a diversified portfolio focused on local, small and medium-sized companies
• Are able to invest for a longer term and are comfortable with the Fund’s 8-year tax credit clawback period
• Understand the value of their investment may fluctuate over time and are able to tolerate volatility
Saskatchewan residents who purchase Golden Opportunities Fund shares receive a 15% Federal
tax credit, a 20% Provincial tax credit, PLUS regular RRSP savings. For example, a $5,000 investment:
44%
RRSP Tax
Savings
$2,200
Before you invest in any Fund you should consider how it fits with your investment portfolio and your tolerance for risk.
How risky is it?
21%
Net Cost
$1,050*
When you invest in a Fund the value of your investments can go down as well as up. The Fund does not have any guarantees
and is subject to risk factors. You may not get back the amount of money you invest. For a description of specific risks see the
Fund’s Prospectus.
15%
Federal
Tax Credit
*
$750
What if I change my mind?
Under the securities law, you have the right to:
• Withdraw from an agreement to buy mutual fund units within two days after you receive a Prospectus, or
• Cancel your purchase within 48 hours after you receive confirmation of the purchase.
How much does it cost?
The following tables show the fees and expenses you could pay to buy, own and sell Golden
Opportunities Fund.
1. Sales Charges
What you pay
In percent (%)
In dollars ($)
How it works
Class A, Class i, Class R
Deferred Sales
Charges
If you sell within:
1 year of buying
8%
2 years of buying
7%
3 years of buying
6%
4 years of buying
5%
5 years of buying
4%
6 years of buying
3%
7 years of buying
2%
8 years of buying
$0 to $80 on every
$1,000 you sell
• This deferred sales charge is
calculated on, and deducted
from the value of your
investment when you sell in
the first 8 years.
• When you purchase the Fund,
your representative’s firm will
receive a commission of 6%.
Any deferred sales charge goes
to the Fund.
0%
Class A-F, Class i-F, Class R-F
Deferred Sales
Charges
F Series share classes are not subject to
deferred sales charges (early redemption
fees).
• The F Series is intended for
fe e - b a s e d c o m p e n s a t i o n
models and does not pay sales
commissions.
20%
Provincial
Tax Credit
$1,000
*Example assumes a marginal tax bracket of 44% (a minimum taxable income of $138,587) and a $5,000 RRSP investment. The 35% tax credit is
available on investments up to $5,000 annually. As a result of the 2016 Federal Budget’s restoration of the federal tax credit, the full 35% in tax credits apply
to the 2016 and subsequent tax years. Subject to the 2016 Federal Budget receiving Royal Assent and coming into force.
2. Fund Expenses
• You do not pay these expenses directly, they affect you because they reduce the Fund’s returns.
As of the Fund’s August 31, 2015 Annual Report, the Fund’s expenses were as follows:
• Golden Opportunities Fund’s MERs reflect the
Annual Rate (as a % of the Fund’s value)
additional cost in actively managing a Fund
Class A
Class i
Class R
portfolio of primarily private companies, and a
retail offering of a relatively smaller Mutual Fund
Management Expense Ratio (MER)
4.90%
5.05%
5.23%
(excluding the IPA and estimated contingent IPA)
sold through a diverse brokerage network.
• Trailing Commission is an ongoing commission
Management Expense Ratio (MER)
7.31%
6.00%
7.72%
paid to the dealer for as long as you own the Fund
for the services and advice that you receive. It is
Trading Expense Ratio (TER)
.01%
0%
0%
paid by the Fund and is based on the value of your
investment.
3. Other Fees
• There are no transaction-based fees (ie. switches)
associated with Golden Opportunities Fund.
• Tax Credits will be clawed-back if you sell your
investment within 8 years of purchasing it. The
Fund is required to withhold the tax credits you
received when you purchased the Fund and
remit this amount to the Provincial and Federal
Governments.
Trailing Commission
Class A
Class i
Class R
In percent (%)
0.5% a year of the value of your
investments paid quarterly
In dollars ($)
$5 each year on every $1,000 of
value
Class A-F
Class i-F
Class R-F
F Series share classes do not pay
trailer fees
Leading Fund Manager ranked as Top 12 Most Active Private Equity Investors in Canada in 2015!**
**Canadian Venture Capital & Private Equity Association’s 2015 Canadian Private Equity Market Overview.
FUND FACTS SHEET
Make the most of the 30% tax credit1 available on an investment in Golden Opportunities Fund
shares by using top investment strategies:
STRONG DEMAND with over 28,000 Shareholders now invested in the Fund!
TOP PERFORMING provincial Retail Venture Capital (RVC) Fund share class in Saskatchewan!+
Quick
Facts
Fund Code(s):
Launch Date:
Class A
GOF 501
Class A-F
March 1, 1999
Total NAV:
GOF 507
February 2, 2016
Class i
GOF 503
Class i-F
January 9, 2009
$260M
GOF 509
Class R
February 2, 2016
GOF 505
Class R-F
January 4, 2013
$24M
GOF 511
February 2, 2016
$8M
Fund Manager:
Westcap Mgt. Ltd.
Minimum Initial
Investment:
$25.00 (pre-authorized or payroll contributions) / $250.00 (lump sum)
What does the Fund invest In? The chart below gives you a snapshot of the Fund’s investments, these will change. Golden Opportunities Fund’s share classes each have a
unique value proposition designed to meet investor preferences while providing a 35% tax credit.
Top Portfolio Holdings
Portfolio Holdings** (Class i/Class i-F)
Solido Design Automation Inc.
Prairie Plant Systems Inc.
Dyna Holdings LP
Superior Group of Companies
Yolbolsum Canada Inc.
Med-Life Discoveries LP
Librestream Technologies Inc.
Phenomenome Discoveries Inc.
FTI Consulting Inc.
MATRRIX Energy Technologies Inc.
Top 10 Holdings* (Class A/Class A-F)
Warman Home Centre LP
Golden Health Care Inc.
Credence Resources LP
Prairie Plant Systems Inc
Field Exploration LP
Med-Life Discoveries LP
Dyna Holdings LP
H.J.R. Asphalt LP
Western Building Centres Limited
Avalon Oil & Gas Ltd.
Portfolio Holdings** (Class R/Class R-F)
Credence Resources LP
Credence Resources II LP
Avalon Oil & Gas Ltd.
Field Exploration LP
Burgess Creek Exploration Inc.
Lex Energy Partners LP
Millennium Stimulation Services Ltd.
Villanova 4 Oil Corp.
Investment Mix
Includes Fund’s 4 pillars of focus
TOP PERFORMING provincial
RVC share class in Saskatchewan!+
All of the UPSIDE GROWTH
plus loss protection!***
RESOURCE PORTFOLIO focused on
light oil opportunities!
Fund Performance
1 Year
1.67%
501
3 Year
3.10%
5 Year
0.72%
10 Year
0.74%
1 Year
2.30%
503
3 Year
1.86%
5 Year Since Inception
1.40%
1.06%
1 Year Since Inception
(5.83%)
(1.53%)
505
Class A-share, based on 3 year returns as at February 29, 2016 per Globefund.com.
*Based on invested capital in the Fund’s 4 pillars of focus and fair value as at March 11, 2016.
**Based on fair value as at March 11, 2016.
***See Prospectus under “Investment Objectives” for more important information.
SOLD BY PROSPECTUS ONLY. Please read the Prospectus, which contains important detailed information, before investing. A free copy is available from your Financial Advisor or the Principal Distributor, National Bank Financial
Inc., a Member of the Canadian Investor Protection Fund, at info.nbfinancial.com. Commissions, trailing commissions, management fees and expenses all may be associated with Retail Venture Capital (RVC) Fund investments
which may not be suitable for all investors. The indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends and do not take into account sales,
redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. RVCs are not guaranteed, their values change frequently and past performance may not be repeated.
Tax credits are available to eligible investors on investments up to $5,000 annually, provided that the shares are held for at least eight years from the date of purchase. Redemption restrictions may apply. As a result of the 2016
Federal Budget’s restoration of the federal tax credit, the full 35% in tax credits apply to the 2016 and subsequent tax years. Subject to the 2016 Federal Budget receiving Royal Assent
and coming into force.
Client Acknowledgement
March 2016
+