Pooled Funds

Pooled funds involve investors hiring individual money managers whereby funds which belong to numerous investors are commingled, mainly in an effort to reduce trading costs, management and administrative costs.†

With pooled funds, the †investor manager makes investment decisions based on the investment objectives and mandates of the individual investor, which are set when the account is initially opened.† †Investors similar to WRAP accounts and mutual funds will pay investment management fees.† Fees with pooled funds are based on the amount of funds the individual money manager is managing and there are no front end or back end load charges.† In cases, investors are still responsible for minimal trading costs associated with the buying and selling of securities.†

Investors who use pooled funds do not necessarily earn higher returns than investors who use traditional advisors, brokers, financial planners or mutual funds.

In most cases with pooled funds, investors will have a written investment mandate or investment policy statement.† This investment policy statement allows the money manager or portfolio managers to manage the investments within specific guidelines.†

Because pooled funds have higher minimum investment levels, in many cases, investors receive a higher level of advice and service than they would receive if they were dealing with an individual advisor and investing into regular mutual funds or securities.††

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