Scotia Premium Short-Term Income Fund (JMD & USD)

Sweet Returns

with our new Scotia Premium Short Term Income Funds

_{Handcrafted just for you}

One of the lowest management fees in the industry
Quarterly investment income

_{Have your cake and eat it too}

No early withdrawal penalty
Available in both JMD and USD currency

_{Savour the taste of real income!}

Competitive potential returns on
your investment
No minimum holding period

Fund overview

Scotia Investments introduces our Scotia Premium Short-Term Income Funds, now available in USD and JMD currency. The Fund provides the potential for higher returns on short-term fixed income investments when compared to traditional money market solutions

Fund risk

Fund risk - Low

Reasons to invest

Income
Enjoy an income component which complements the potential modest growth in capital

Safety
Suitable for investors across the risk spectrum, but especially for those with a low risk tolerance

Investment objective

The Funds seek to provide liquidity and quarterly income by investing in JMD and USD-denominated short-term debt instruments including government securities, treasuries, CDs, repurchase agreements, global bonds, and other cash equivalents.

Fund characteristics

View the key features of the fund and the minimum amounts to start investing.

Minimum investment amounts

Fund purchase type	Amount (JMD)	Amount (USD)
Minimum initial investment	150,000	1,000
Minimum subsequent purchase	15,000	100
Pre-authorized contribution	10,000	100

Return potential
In a low-rate environment, adding exposure to longer-tenured securities may enhance yield relative to traditional money market investments

Lower volatility
The Fund is positioned with less risk relative to traditional fixed income investments

Liquidity
Provides investors with regular access to cash when needed

Professional management
Scotia Investments’ Fund Managers have been managing portfolios for over 20 years. They maintain a disciplined approach to fixed income investing that focuses on credit quality, duration and the interest rate cycle.

Pre-authorized contributions
You can set up a Pre-Authorized Contribution (PAC) to regularly invest in Funds. Investing regularly is one of the simplest ways to take advantage of market volatility and reduce the risks of market timing.

Speak with an Investment Advisor today!

Call: 888 429 5745

Disclaimer

Important information about the Funds’ investment goals, risks, charges and expenses is contained in the Funds’ offering circular. Copies are available from the financial institution where you are buying the fund and should be read carefully before investing. Funds are not guaranteed by your local Deposit Corporation, other government deposit insurers, The Bank of Nova Scotia, or its subsidiaries/affiliates. Unit values change frequently, investment returns for the funds will fluctuate and you may not get back the original amount you invested. Always consult your professional tax and legal advisors with respect to your particular circumstances. Nothing herein is intended to constitute an offer or solicitation to transact business for products or services in any jurisdiction where such an offer or solicitation would be unlawful. This does not constitute an invitation to purchase or sell shares of the Funds.