Quick Reference Guide D E C E M B E R 2 016
TRUST
CGF CODES – TRUST UNITS A Name
SC (FE)
RC (DSC)
Counsel Retirement Portfolios
LL
SC (FE)
RC (DSC)
D
DT
I
IT
LL
Counsel Retirement Income Portfolio
241
243
242
244
245
Counsel Retirement Preservation Portfolio
246
248
247
249
250
Counsel Retirement Foundation Portfolio
251
253
252
254
255
Counsel Retirement Accumulation Portfolio
256
258
257
Counsel Strategic Portfolios
259
Counsel Conservative Portfolio
410
413
412
714
Counsel Regular Pay Portfolio
550
553
552
704
Counsel Balanced Portfolio
420
423
422
724
T SC (FE)
RC (DSC)
LL
260
176
504
514
179
170
171
524
172
Counsel Growth Portfolio
430
433
432
744
534
Counsel All Equity Portfolio
440
443
442
764
544
Counsel Managed Yield Portfolio
140
240
340
740
541
Counsel Managed High Yield Portfolio
157
158
159
160
163
Counsel Managed Portfolios
Counsel Income Managed Portfolio
490
493
492
794
Counsel Managed Portfolio
001
100
211
711
554
Counsel World Managed Portfolio
480
483
482
784
584
Counsel Portfolio Components
2
C
Counsel Money Market
004
Counsel Short Term Bond
139
239
339
Counsel Fixed Income
010
210
310
204
304
404
403
402
180
594
183
165
166
167
173
174
175
712
502
739
539
710
510
Counsel High Yield Fixed Income
149
150
151
152
155
Counsel Canadian Dividend
400
405
407
409
418
Counsel Canadian Value
101
111
121
701
501
Counsel Canadian Growth
102
112
122
702
500
Counsel U.S.Value
106
116
126
706
506
Counsel U.S. Growth
107
117
127
707
507
Counsel International Value
103
113
123
703
503
TRUST
CGF CODES – TRUST UNITS Continued A
D
DT
I
IT
SC (FE)
Counsel International Growth
105
115
125
705
505
Counsel Global Dividend
141
142
143
144
147
Counsel Global Trend Strategy
189
190
191
192
194
RC (DSC)
LL
SC (FE)
RC (DSC)
LL
Counsel Global Real Estate
401
406
408
411
419
Counsel Global Small Cap
470
473
472
774
574
Counsel Deposits Counsel Premium Cash Account
3
C
Name
1004
T SC (FE)
RC (DSC)
LL
1005
CLASS
CGF CODES – CLASS SHARES A Name
SC (FE)
RC (DSC)
Counsel Strategic Portfolios
D
I SC (FE)
LL
T
RC (DSC)
LL
Counsel Conservative Portfolio Class
1100
1101
1102
1103
1105
1106
1208
1215
Counsel Balanced Portfolio Class
1107
1108
1109
1110
1112
1113
1209
1216
Counsel Growth Portfolio Class
1114
1115
1116
1117
1119
1120
1210
1217
Counsel All Equity Portfolio Class
1121
1122
1123
1124
Counsel Canadian Dividend Class
1177
1178
1179
1180
1182
1196
1213
1220
Counsel Canadian Value Class
1135
1136
1137
1138
1140
Counsel Canadian Growth Class
1141
1142
1143
1144
1146
Counsel Portfolio Components
Note: Counsel Conservative Portfolio Class, Counsel Balanced Portfolio Class, Counsel Growth Portfolio Class, Counsel All Equity Portfolio Class are not permitted for investment in registered plans. Series D and I of Trust Units and Class Shares are not eligible for client-held RESP accounts.
4
TRUST 5
TRUST UNITS – SERIES A, C & T Name
Series
Counsel Retirement Portfolios Counsel Retirement Income Portfolio Counsel Retirement Preservation Portfolio Counsel Retirement Foundation Portfolio Counsel Retirement Accumulation Portfolio Counsel Strategic Portfolios Counsel Conservative Portfolio Counsel Regular Pay Portfolio Counsel Regular Pay Portfolio
A A A A A A T
Counsel Balanced Portfolio Counsel Growth Portfolio Counsel All Equity Portfolio Counsel Managed Portfolios Counsel Managed Yield Portfolio Counsel Managed High Yield Portfolio Counsel Managed High Yield Portfolio Counsel Income Managed Portfolio Counsel Income Managed Portfolio Counsel Managed Portfolio Counsel World Managed Portfolio
A A A A A T A T A A
Mgmt Fee %
Net MER1 %
1.90 1.90 1.95 2.00
2.67 2.52 2.64 2.68
1.90 1.95 1.95
2.81 2.81 2.81
1.92 2.06 2.12
2.87 3.01 3.11
1.94 1.95 1.95 1.96 1.96 2.04 2.13
2.64 2.76 2.75 2.90 2.91 2.97 3.16
Trailing Commission - Annual Rate % SC (FE)
RC (DCS)
Distribution Frequency
LL
1.00 1.00 1.00 1.00 1.00 1.00 1.00
Year 1 - 6 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Thereafter 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Year 1 - 3 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Thereafter 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Monthly Annually Annually Annually Annually Monthly Monthly2
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Annually Annually Annually Monthly Monthly Monthly2 Monthly Monthly2 Annually Annually
TRUST
TRUST UNITS – SERIES A, C & T Continued Name Counsel Portfolio Components Counsel Money Market Counsel Money Market Counsel Short Term Bond Counsel Fixed Income Counsel High Yield Fixed Income Counsel Canadian Dividend Counsel Canadian Value Counsel Canadian Growth Counsel U.S.Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Dividend Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap Counsel Deposits Counsel Premium Cash Account4 ~
6
No sales commission is paid.
Series
Mgmt Fee %
Net MER1 %
A C A A A A A A A A A A A A A A
0.953 0.703 1.10 1.40 1.80 1.90 1.90 1.90 1.90 1.90 1.99 1.99 2.10 2.00 2.05 1.95
0.643 0.623 1.49 2.01 2.45 2.52 2.60 2.82 2.63 2.87 2.77 2.83 2.80 2.93 2.88 2.93
A
Trailing Commission - Annual Rate % SC (FE) 0.25 0.00 0.50 0.50 0.75 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.25~
RC (DCS) 0.25 0.00 0.25 0.25 0.30 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Distribution Frequency
LL 0.25 0.00 0.50 0.50 0.75 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
0.125 0.00 0.25 0.25 0.30 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
0.25 0.00 0.50 0.50 0.75 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Monthly Monthly Monthly Quarterly Monthly Quarterly Annually Annually Annually Annually Annually Annually Quarterly Annually Annually Annually Monthly
TRUST
TRUST UNITS – SERIES D, DT, I & IT Series D5 Name
Mgmt Fee %
Series I5
Net MER1 %
Trailer %
Mgmt Fee††
Counsel Retirement Portfolios Counsel Retirement Income Portfolio Counsel Retirement Preservation Portfolio
0.85
1.47
0.00
0.85
0.85
1.35
0.00
0.85
Counsel Retirement Foundation Portfolio
0.90
1.42
0.00
0.90
Counsel Retirement Accumulation Portfolio
0.95
1.51
0.00
0.95
Counsel Strategic Portfolios Counsel Conservative Portfolio
0.96
1.37
0.00
0.96
Counsel Regular Pay Portfolio^
0.95
1.34
0.00
0.95
Counsel Balanced Portfolio
1.02
1.42
0.00
1.02
Counsel Growth Portfolio
1.07
1.56
0.00
1.07
Counsel All Equity Portfolio
1.17
1.66
0.00
1.17
0.94
1.43
0.00
0.94
0.95
1.47
0.00
0.95
Counsel Managed Portfolios Counsel Managed Yield Portfolio Counsel Managed High Yield Counsel Income Managed
7
Portfolio•
Portfolio^
0.96
1.41
0.00
0.96
Counsel Managed Portfolio
1.03
1.50
0.00
1.03
Counsel World Managed Portfolio
1.14
1.69
0.00
1.14
TRUST
TRUST UNITS – SERIES D, DT, I & IT Continued Series D5 Name
Series I5
Mgmt Fee %
Net MER1 %
Trailer %
Mgmt Fee††
Counsel Money Market
0.703
0.623
0.00
0.703
Counsel Short Term Bond
0.75
1.09
0.00
0.75
Counsel Fixed Income
0.85
1.23
0.00
0.85
Counsel High Yield Fixed Income
1.05
1.52
0.00
1.05
Counsel Canadian Dividend
0.99
1.36
0.00
0.99
Counsel Portfolio Components
Counsel Canadian Value
1.08
1.49
0.00
1.08
Counsel Canadian Growth
1.13
1.55
0.00
1.13
Counsel U.S.Value
0.90
1.46
0.00
0.90
Counsel U.S. Growth
1.03
1.57
0.00
1.03
Counsel International Value
0.90
1.63
0.00
0.90
Counsel International Growth
1.03
1.61
0.00
1.03
Counsel Global Dividend
1.10
1.57
0.00
1.10
Counsel Global Trend Strategy
1.05
1.69
0.00
1.05
Counsel Global Real Estate
1.05
1.68
0.00
1.05
Counsel Global Small Cap
1.10
1.67
0.00
1.10
^ Also offering Series DT, and IT. The management fee and trailer information is the same as its Series D, or I counterpart. †† Series I has a lower fixed administration fee than other Series.
8
CLASS
CLASS SHARES – SERIES A & T Name
Series
Mgmt Fee %
Net MER1 %
Trailing Commission - Annual Rate % SC (FE)
RC (DCS)
Distribution Frequency
LL
Counsel Strategic Portfolios
Year 1 - 6
Thereafter
Year 1 - 3
Thereafter
Counsel Conservative Portfolio Class Counsel Conservative Portfolio Class
A T
1.90 1.90
2.75 2.69
1.00 1.00
0.50 0.50
1.00 1.00
0.50 0.50
1.00 1.00
Annually Monthly 2
Counsel Balanced Portfolio Class Counsel Balanced Portfolio Class Counsel Growth Portfolio Class Counsel Growth Portfolio Class Counsel All Equity Portfolio Class Counsel Portfolio Components Counsel Canadian Dividend Class Counsel Canadian Dividend Class Counsel Canadian Value Class Counsel Canadian Growth Class
A T A T A A T A A
1.95 1.95 2.00 2.00 2.10
2.74 2.82 2.97 2.90 3.09
1.85 1.85 1.90 1.90
2.50 2.54 2.61 2.60
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Annually Monthly 2 Annually Monthly 2 Annually Annually Monthly 2 Annually Annually
Note: Corporate Class shares may pay ordinary dividends and/or capital gains dividends as determined by the Board of Directors of Counsel Portfolio Corporation. For Series T distributions are paid monthly and will generally be comprised of return of capital. Series T may also receive distributions of ordinary dividends and capital gains dividends, as necessary, from time to time in any calendar year.
9
CLASS
CLASS SHARES – SERIES D & I Series D5 Name
Series I Trailer %
Mgmt Fee %
Net MER1 %
Counsel Conservative Portfolio Class•
0.95
1.37
0.00
Counsel Balanced Portfolio Class•
1.00
1.41
0.00
Counsel Growth Portfolio Class•
1.05
1.54
0.00
Counsel All Equity Portfolio Class
1.15
1.69
0.00
Management Fee6 %
Counsel Strategic Portfolios
Counsel Portfolio Components
10
Counsel Canadian Dividend Class
0.85
1.29
0.00
0.85
Counsel Canadian Value Class
0.85
1.35
0.00
0.85
Counsel Canadian Growth Class
0.95
1.36
0.00
0.95
TRUST 11
COUNSEL RETIREMENT PORTFOLIOS – QUICK VIEW Name
Type
Target %
Underlying Fund/Mandate
Sub-Advisor(s)/Underlying Fund Manager(s)
Risk Rating
Counsel Retirement Income Portfolio
Global Balanced
30.00 20.00 17.00 13.00 10.00 10.00
Alternatives (high inc., pref. shares & real estate) High Yield Fixed Income Global Equity Emerging Market Debt Investment Grade Fixed Income Safety (government fixed income)
Mount Lucas Mgmt LP
low to medium
Counsel Retirement Preservation Portfolio
Global Balanced
26.00 14.00 32.50 5.00 5.00 5.00 10.00 2.50
Counsel Defensive Global Equity Counsel Global Low Volatility Equity Counsel Canadian Core Fixed Income Counsel Global Real Estate Counsel North American High Yield Bond Counsel Money Market Global Government Bonds Emerging Market Debt
Irish Life Investment Managers Limited † Irish Life Investment Managers Limited Mackenzie Investments Timbercreek Asset Management Inc. Putnam Investments Inc. Mackenzie Investments Irish Life Investment Managers Limited Irish Life Investment Managers Limited
low to medium
Counsel Retirement Foundation Portfolio
Global Balanced
40.00 20.00 20.00 5.00 7.50 5.00 2.50
Counsel Defensive Global Equity Counsel Global Low Volatility Equity Counsel Canadian Core Fixed Income Counsel Global Real Estate Counsel North American High Yield Bond Global Government Bonds Emerging Market Debt
Irish Life Investment Managers Limited Irish Life Investment Managers Limited Mackenzie Investments Timbercreek Asset Management Inc. Putnam Investments Inc. Irish Life Investment Managers Limited Irish Life Investment Managers Limited
low to medium
Counsel Retirement Accumulation Portfolio
Global Balanced Equity
50.00 20.00 10.00 5.00 7.50 5.00 2.50
Counsel Defensive Global Equity Counsel Global Low Volatility Equity Counsel Canadian Core Fixed Income Counsel Global Real Estate Counsel North American High Yield Bond Emerging Market Equities Emerging Market Debt
Irish Life Investment Managers Limited Irish Life Investment Managers Limited Mackenzie Investments Timbercreek Asset Management Inc. Putnam Investments Inc. Irish Life Investment Managers Limited Irish Life Investment Managers Limited
low to medium
TRUST 12
COUNSEL STRATEGIC PORTFOLIOS – QUICK VIEW Name
Type
Target %
Underlying Fund/Mandate
Sub-Advisor(s)/Underlying Fund Manager(s)
Risk Rating
Counsel Conservative Portfolio
Canadian Balanced
5.00 55.00 2.50 2.50 3.75 3.75 6.25 6.25 6.00 3.00 6.00
Counsel Short Term Bond Counsel Fixed Income Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
TD Asset Mgmt Inc. Mackenzie†/Putnam†/Franklin Templeton Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
Counsel Regular Pay Portfolio
Canadian Income Balanced
50.00 30.00 10.00 10.00
Income & growth RBC Canadian Dividend Fund Counsel Global Dividend Counsel Global Real Estate
AGF investments Inc. RBC Global Asset Mgmt. Inc. Acadian Asset Management Inc. Timbercreek Asset Management Inc.
low to medium
Counsel Balanced Portfolio
Global Balanced
2.50 37.50 3.75 3.75 5.25 5.25 9.25 9.25 9.00 4.00 10.50
Counsel Short Term Bond Counsel Fixed Income Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
TD Asset Mgmt Inc. Mackenzie/Putnam/Franklin Templeton Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
Counsel Growth Portfolio
Global Balanced Equity
1.50 18.50 5.00 5.00 7.00 7.00 12.00 12.00 12.00 5.50 14.50
Counsel Short Term Bond Counsel Fixed Income Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
TD Asset Mgmt Inc. Mackenzie/Putnam/Franklin Templeton Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
Counsel All Equity Portfolio
Global Equity
6.25 6.25 8.25 8.25 15.00 15.00 15.00 6.50 19.50
Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
medium
TRUST
COUNSEL MANAGED PORTFOLIOS – QUICK VIEW Name
Type
Counsel Managed Yield Portfolio
Canadian Fixed Income Balanced
Counsel Managed High Yield Portfolio
Counsel Income Managed Portfolio
†
13
Global Neutral Balanced
Canadian Tactical Asset Allocation
Target Range %
Neutral Allocation %
0-25 0-20 0-50 0-20
5.00 (Commodities) 10.00 (Inflation linked bonds) 10.00 30.00 10.00
0-25 0-25 0-15
17.50 12.50 5.00
0-25 0-40 0-30 0-25
5.00 (Global fixed income) 10.00 (Inflation linked bonds) 5.00 20.00 12.50
0-25
12.50
0-30 0-30 0-15
15.00 15.00 5.00
0-35 0-40 20-80 0-10
5.00 (Global fixed income) 5.00 (Emerging market equities) 5.00 (Inflation linked bonds) 5.00 25.00 0.00
0-10
0.00
0-80 0-10 0-10 0-10 0-10 0-30 0-15 0-10
40.00 2.50 2.50 2.50 2.50 0.00 5.00 0.00
An affiliated registrant of Counsel Portfolio Services Inc.
Underlying Fund/Mandate
Sub-Advisor(s)/Underlying Fund Manager(s)
Tactical asset allocation
PanAgora Asset Mgmt Inc.†
Counsel Short Term Bond TD Canadian Bond Fund Counsel North American High Yield Bond Counsel Canadian Dividend Templeton Global Bond Fund Counsel Global Real Estate
TD Asset Mgmt Inc. TD Asset Mgmt Inc. Putnam Investments Inc.
Tactical asset allocation
PanAgora Asset Mgmt Inc.
Counsel Short Term Bond TD Canadian Bond Fund Counsel North American High Yield Bond BlueBay Emerging Markets Corporate Bond Fund Counsel Canadian Dividend Counsel Global Dividend Counsel Global Real Estate
TD Asset Mgmt Inc. TD Asset Mgmt Inc. Putnam Investments Inc.
Tactical asset allocation
PanAgora Asset Mgmt Inc.
Counsel Short Term Bond Fixed income BlueBay Emerging Markets Corporate Bond Fund Counsel North American High Yield Bond RBC Canadian Dividend Fund Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Dividend Counsel Global Real Estate Counsel Global Small Cap
TD Asset Mgmt Inc. TD Asset Mgmt Inc. BlueBay Asset Management LLP
Risk Rating low
Lincluden Investment Management Franklin Templeton Investment Corp. Timbercreek Asset Management Inc. low to medium
BlueBay Asset Mgmt Lincluden Investment Management Acadian Asset Management Inc. Timbercreek Asset Management Inc.
Putnam Investments Inc. RBC Global Asset Mgmt. Inc. Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Acadian Asset Management Inc. Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
TRUST 14
COUNSEL MANAGED PORTFOLIOS – QUICK VIEW Continued Name
Type
Counsel Managed Portfolio
Tactical Balanced
Counsel World Managed Portfolio
Global Tactical Asset Allocation
Target Range %
Neutral Allocation %
Underlying Fund/Mandate
0-35 0-20 20-80 5-65 5-30 1.25-12.50 1.25-12.50 1.25-12.50 1.25-12.50 0-25
5.00 (Emerging market equities) 10.00 30.00 25.00 10.00 5.00 5.00 5.00 5.00 0.00
Tactical asset allocation Counsel Short Term Bond Counsel Fixed Income Counsel Canadian Dividend Canadian small cap Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Dividend
PanAgora Asset Mgmt Inc TD Asset Mgmt Inc. Mackenzie/Putnam/Franklin Templeton Lincluden Investment Management Mackenzie Investments Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Acadian Asset Management Inc.
low to medium
0-25 0-30 20-80 5-25 2.50-25 2.50-25 2.50-25 2.50-25 0-10 5-30
5.00 (Emerging market equities)
Tactical asset allocation Counsel Short Term Bond TD Canadian Bond Fund Counsel Canadian Dividend Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Real Estate Counsel Global Small Cap
PanAgora Asset Mgmt Inc. TD Asset Mgmt Inc. TD Asset Mgmt Inc. Lincluden Investment Management Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
40.00 10.00 7.50 7.50 7.50 7.50 0.00 15.00
Sub-Advisor(s)/Underlying Fund Manager(s)
Risk Rating
TRUST
COUNSEL PORTFOLIO COMPONENTS – QUICK VIEW Name
Target %
Description
Sub-Advisor(s)/Underlying Fund(s)
Risk Rating
Counsel Money Market
100
Money Market
Mackenzie Investments
low
Counsel Short Term Bond
100
Short term fixed income
TD Asset Mgmt Inc.
low
Canadian core fixed income High yield fixed income Global fixed income
Mackenzie Investments Putnam Investments Inc. Franklin Templeton Investment Corp.
low
High yield fixed income Emerging markets fixed income
Counsel North American High Yield Bond (Putnam) BlueBay Emerging Markets Corporate Bond Fund
low to medium
Counsel Fixed Income
Counsel High Yield Fixed Income
60-80 0-20 20 70 30
Counsel Canadian Dividend
100
Canadian dividend
Lincluden Investment Management
low to medium
Counsel Canadian Value
100
Canadian value equities
Sionna Investment Managers Inc.
medium
Canadian growth equities Canadian quantitative growth equities
Picton Mahoney Asset Mgmt Montrusco Bolton Investments Inc.
medium
Counsel Canadian Growth
80 20
Counsel U.S.Value
100
U.S. value equities
Mount Lucas Mgmt LP
medium
Counsel U.S. Growth
100
U.S. growth equities
Marsico Capital Mgmt, LLC
medium
Counsel International Value
100
International value equities
Mackenzie Investments (Cundill)
medium
Counsel International Growth
100
International growth equities
Mawer Investment Mgmt Ltd.
medium
Counsel Global Dividend
100
Global dividend
Acadian Asset Management LLC
medium
Counsel Global Trend Strategy
100
Global equities
Mount Lucas Mgmt LP
medium
Counsel Global Real Estate
100
Global real estate
Timbercreek Asset Management Inc.
medium
Counsel Global Small Cap
25 25 50
Canadian small cap U.S. small cap International small cap
Mackenzie Investments Invesco Canada Ltd. Wasatch Advisors Inc.
medium to high
100
Premium cash deposit
B2B Trustco
low
Counsel Deposits Counsel Premium Cash Account4
15
TRUST
Counsel Portfolios
Counsel Conservative Portfolio
Counsel Regular Pay Portfolio
Counsel Balanced Portfolio
Counsel Growth Portfolio
Counsel All Equity Portfolio
Counsel Managed High Yield Portfolio
Counsel Strategic Portfolios
Mandate
Canadian fixed income 5.00%
2.50%
1.50%
55.00%
37.50%
18.50%
Counsel Income Managed Portfolio
Counsel Managed Portfolio
Counsel World Managed Portfolio
Counsel Managed Portfolios*
Asset allocation
Canadian short term fixed income
Counsel Managed Yield Portfolio
✓
✓
✓
✓
30.00% (0-50%) 10.00% (0-20%)
20.00% (0-30%) 5.00% (0-40%)
25.00% (20-80%) 5.00% (0-40%)
10.00% (0-20%)
10.00% (0-20%) 12.50% (0-25%)
12.50% (0-25%)
0.00% (0-10%)
30.00% (20-80%)
12.50% (0-25%)
0.00% (0-10%)
✓ (20-80%) 40% (0-30%)
Canadian core fixed income High yield fixed income Global fixed income Emerging markets fixed income Income & growth
50.00%
Canadian value equities
2.50%
3.75%
5.00%
6.25%
Canadian growth equities
2.50%
3.75%
5.00%
6.25%
Canadian dividend
40.00% (0-80%)
30.00% 17.50% (0-25%)
Canadian dividend U.S. value equities
3.75%
5.25%
7.00%
8.25%
U.S. growth equities
3.75%
5.25%
7.00%
8.25%
International value equities
6.25%
9.25%
12.00%
15.00%
International growth equities
6.25%
9.25%
12.00%
15.00%
Global dividend
10.00%
Global equities
6.00%
Global real estate
3.00%
10.00%
9.00%
12.00%
15.00%
4.00%
5.50%
6.50%
5.00% (0-15%)
15.00% (0-30%)
15.00% (0-30%)
2.50% (0-10%) 2.50% (0-10%) 2.50% (0-10%) 2.50% (0-10%) 0.00% (0-30%)
5.00% (0-15%)
5.00% (0-15%)
10.00% (5-25%) 7.50% (2.50-25%) 7.50% (2.50-25%) 7.50% (2.50-25%) 7.50% (2.50-25%)
0.00% (0-10%) 10.00% (5-30%)
Canadian small cap equities U.S. small cap equities
25.00% (5-65%) 5.00% (1.25-12.50%) 5.00% (1.25-12.50%) 5.00% (1.25-12.50%) 5.00% (1.25-12.50%) 0.00% (0-25%)
6.00%
10.50%
14.50%
0.00% (0-10%)
19.50%
15.00% (5-30%)
International small cap equities Other**
5% Commodities
5% G lobal fixed income
10% Inflation linked bonds
10% Inflation linked bonds
5% G lobal fixed income 5% E merging market equities 5% Inflation linked
bonds
5% Emerging market equities
5% Emerging market equities
* The asset allocation weights depicted below represent the neutral allocations. The target allocation range is reflected in brackets. The allocations may comprise a combination of investments in equities and fixed income securities; and in securities that are designed to track a market index or in other securities that are executed by the tactical asset allocation specialist. 16
** This portion of the portfolio may be invested in securities that are designed to track a market index, including inflation-linked bonds, other securities or commodities. They may also invest in cash.
CLASS 17
COUNSEL STRATEGIC PORTFOLIOS – CLASS SHARES – QUICK VIEW Name
Type
Target %
Underlying Fund
Sub-Advisor(s)/Underlying Fund Manager(s)
Risk Rating
Counsel Conservative Portfolio Class
Canadian Balanced
5.00 55.00 2.50 2.50 3.75 3.75 6.25 6.25 6.00 3.00 6.00
Counsel Short Term Bond Counsel Fixed Income Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
TD Asset Mgmt Inc. Mackenzie†/Putnam†/Franklin Templeton Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
Counsel Balanced Portfolio Class
Global Balanced
2.50 37.50 3.75 3.75 5.25 5.25 9.25 9.25 9.00 4.00 10.50
Counsel Short Term Bond Counsel Fixed Income Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
TD Asset Mgmt Inc. Mackenzie/Putnam/Franklin Templeton Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
Counsel Growth Portfolio Class
Global Balanced Equity
1.50 18.50 5.00 5.00 7.00 7.00 12.00 12.00 12.00 5.50 14.50
Counsel Short Term Bond Counsel Fixed Income Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
TD Asset Mgmt Inc. Mackenzie/Putnam/Franklin Templeton Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
low to medium
Counsel All Equity Portfolio Class
Global Equity
6.25 6.25 8.25 8.25 15.00 15.00 15.00 6.50 19.50
Counsel Canadian Value Counsel Canadian Growth Counsel U.S. Value Counsel U.S. Growth Counsel International Value Counsel International Growth Counsel Global Trend Strategy Counsel Global Real Estate Counsel Global Small Cap
Sionna Investment Managers Inc. Picton Mahoney/Montrusco Bolton Mount Lucas Mgmt LP Marsico Capital Mgmt, LLC Mackenzie Investments (Cundill) Mawer Investment Mgmt Ltd. Mount Lucas Mgmt LP Timbercreek Asset Management Inc. Mackenzie/Invesco/Wasatch
medium
CLASS
COUNSEL PORTFOLIO COMPONENTS – CLASS SHARES – QUICK VIEW Name
Description
Primarily invests in
Sub-Advisor(s)
Risk Rating
Counsel Canadian Dividend Class
100
Canadian dividend
Counsel Canadian Dividend
Lincluden Investment Management
low to medium
Counsel Canadian Value Class
100
Canadian value equities
Counsel Canadian Value
Sionna Investment Managers Inc.
medium
Canadian growth equities Canadian quantitative growth equities
Counsel Canadian Growth
Picton Mahoney Asset Mgmt Montrusco Bolton Investments Inc.
medium
Counsel Canadian Growth Class
18
Target %
80 20
COUNSEL SERIES DESCRIPTION Series
Minimum Investment
A
$1,000
T
$1,000
D
$1,000
DT
$1,000
I
$1,000
IT
C
Series Description
Advisor Compensation
For all investors.
Sales Charge Purchase Option (Front-end) Redemption Charge Purchase Option (DSC) Low-Load Purchase Option
The same as Series A but for investors who want to receive a monthly cash flow at an annualized rate of up to 8% per year.
Sales Charge Purchase Option (Front-end) Redemption Charge Purchase Option (DSC) Low-Load Purchase Option
Generally for fee based accounts.
No trailing commission. Investors pay a negotiable advisory or asset based fee of up to 1.5%.
The same as Series D but for investors who want to receive a monthly cash flow at an annualized rate of up to 8% per year.
No trailing commission. Investors pay a negotiable advisory or asset based fee of up to 1.5%.
Generally for fee based accounts.
No trailing commission. Investors pay a negotiable advisory or asset-based fee in addition to a management fee.
$1,000
The same as Series I but for investors who want to receive a monthly cash flow at an annualized rate of up to 8% per year.
No trailing commission. Investors pay a negotiable advisory or asset-based fee in addition to a management fee.
$1,000
Series C Counsel Money Market is only for investors making investments using the Counsel Advisor Directed Rebalancing Service.
Sales Charge Purchase Option (Front-end) Redemption Charge Purchase Option (DSC) Low-Load Purchase Option
Subsequent regular purchases through pre-authorized debit (PAD) plans for all Counsel investment solutions can be made with a minimum investment of $50. To set up a systematic withdrawal plan (SWP), investors must have more than $5,000 in their account. Series P can only be purchased if enrolled in the IPC Private Wealth Program.
19
Counsel Portfolio Services 5015 Spectrum Way, Suite 300, Mississauga, ON L4W 0E4 Tel: (905) 625-9885, Toll Free: (877) 625-9885 Fax: (844) 378-6244
Counsel Client Services 180 Queen Street West, Toronto, ON M5V 3K1 Tel: (416) 934-7002, Toll Free: (877) 216-4979 Fax: (416) 922-5660, Toll Free Fax: (866) 766-6623
1. MER as at September 30, 2016. The management expense ratio (MER) is made up of the management fee plus fixed rate administration fee plus fund costs. The fixed rate administration fee includes all of the variable operating expenses, other than certain expenses know as fund costs. Fund costs includes expenses such as interest, applicable taxes, the fees and expenses of the Independent Review Committee, fees and expenses of holding and transacting in securities directly or indirectly in foreign markets and the costs of complying with any new regulatory requirement. The administration fee and fund costs are charged separately from the management fee of each series of an investment solution. MERS are marked with ‘new’ if the investment solution has not yet reported a management expense ratio. 2. Series T, DT and IT pay monthly distributions at an annualized rate of up to 8% which will generally consist of return of capital. Please read the Simplified Prospectus for details. 3. The MER for these series is lower than the stated management fees and administration fees, as Counsel has waived a portion of management fees during the period. Counsel may stop waiving these fees in the future which could result in a higher MER. 4. Counsel Premium Cash Account is only available for purchase under a Tax-Free Savings Account. 5. The negotiable advisory fee or asset based fee is up to a maximum annual rate of 1.5% paid quarterly for all series with the exception of Series I and IT whereby paid monthly.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts and Simplified Prospectus before investing, available at www.counselservices.com. Mutual funds are not guaranteed, and their values change frequently and past performance may not be repeated. This document represents a quick reference summary of the information that appears in the Counsel Portfolio Services Inc. Simplified Prospectus and Annual Information Form. The document is not intended to solicit the purchase or sale of investment funds and does not constitute an offer to purchase. While great care has been taken to ensure the accuracy of the information within this document, Counsel Portfolio Services does not warrant its completeness or accuracy and does not assume any liability. DEALER USE ONLY
1060.AE.12/16