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Through our subsidiary mutual fund dealer, Members Mutual Management Corp., we offer the Caldwell Balanced Fund. Some benefits of investing in the Caldwell Balanced Fund are: Professional Management.First, professional investment managers invest money on a full-time basis and therefore have a level of expertise that the general public does not have. Because investment management is their full-time job, you do not have to spend the time making investment decisions on your own. Professional investment managers are also more efficient in gathering and assessing information and research that isn't readily available to individual investors. Diversification.Second, professional investment management facilitates the ownership of a broad range of securities. This is known as diversification. The more diversified a portfolio is, the less likely it will be affected by changes, up or down, in the value of any one individual security included in the portfolio. Who Should Invest in this Fund?The Caldwell Balanced Fund is suitable for investors with a moderate risk tolerance and long-term investment time horizon. Investors who want the stability and income of Canadian government bonds combined with the growth potential of senior Canadian and American corporations should consider investing in this fund. This Fund is not designed for investors with short-term investment time horizons. Is there a Monthly Investment Plan?Yes. An investor can arrange to make regular pre-authorized investments in the Fund by participating in the monthly Investment Plan. The investor must arrange to invest at least $50 in the Fund in regular monthly intervals on the 1st or 15th of the month. The amount chosen is automatically deducted from the investor's credit union account and invested in the Fund. There is no charge to enroll in this Monthly Investment Plan, and the investor may cease to participate in the Plan at any time by giving at least ten business days written notice. Can an investor establish a registered plan to purchase Caldwell Mutual Funds?Yes. Caldwell sponsors Registered Retirement Savings Plans (RRSPs) and such plans can be established by investing as little as $500 in RRSP-eligible investments. An annual fee is charged for administering RRSPs. **Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Principal Distributor: Caldwell Securities Ltd. FOR COMPLETE INFORMATION ON THE CALDWELL BALANCED FUND PLEASE |
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