Specialty Funds

Specialty mutual funds primary invest in stocks and securities in a specific geographic region, sector or industry.† Specialty funds can be both actively and passively managed, and may be available in both Canadian and U.S. dollars.†

Specialty funds for specific geographic regions include Far East Funds including Japanese Equity Funds, China Funds, in addition to European Funds and Emerging European funds, and Emerging Market Funds.†† For example, sector funds include funds which invest primarily in utilities or energy.† In addition to these types of sector funds, others exist which primarily invest in real estate, healthcare, financial services, technology and communications, and even precious metals.

In most cases, due to the added research, trading and portfolio management costs, the management expense ratios (MERs) associated with specialty funds are significantly higher than standard equity funds or dividend type funds.††

Most specialty funds have an early trading charge to discourage investors from trading the funds like individual stocks or securities.† Specialty funds tend to be more riskier and volatile than lower risk funds like dividend funds, standard equity funds and income funds.

Mutual funds in Canada are highly regulated, and performance data is easy to acquire. Mutual funds are issued by prospectus and it is important to note that returns are not guaranteed and principal is not guaranteed.† Unit values fluctuate in value and investors may pay commissions to buy and/or redeem and sell mutual funds.† Investors should always read the prospectus prior to making an investment into a mutual fund.

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