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Renaissance Optimal Income Portfolio



Investment Objective

Renaissance Optimal Income Portfolio seeks to generate income by investing primarily in units of Canadian and global mutual funds.

Fund Specifications

Minimum Initial Investment:
Lump Sum
(Class A) Initial: $500
Subsequent: $100

Distribution of Earnings:
The Fund aims to distribute a consistent amount every month ($0.027 per unit). If the amount distributed exceeds the Fund’s net income and net realized capital gains, such excess will constitute a return of capital. The amount of distribution is not guaranteed and may change from time to time.

Pre-Authorized Chequing Investment (PAC) or Group RRSP:
$50 minimum investment for monthly, quarterly, semi-annual or annual deposit.

Systematic Withdrawal Plan:
With minimum initial account value of $10,000. Withdrawals may be made monthly, quarterly, semi-annually or annually. $50 minimum.

Annual Management Fee (excluding applicable taxes): 1.75%

Management Expense Ratio (including applicable taxes) as at February 28, 2011: 1.90%†

ATL Codes Front-End
Load		 Back-End
Load		 Low
Load
Class A ATL048 ATL050 ATL049
Class-T6 ATL053 ATL055 ATL054
Class-T8 ATL056 ATL058 ATL057
Select Class ATL2401 ATL2403 ATL2402
Select-T6 ATL2407 ATL2409 ATL2408
Select-T8 ATL2413 ATL2415 ATL2414
Elite Class ATL2404 ATL2406 ATL2405
Elite-T6 ATL2410 ATL2412 ATL2411
Elite-T8 ATL2416 ATL2418 ATL2417
Inception Date: November 13, 2007
   
Assets Under Management (000’s)
As at: 12/31/2011		 $689,967

Distribution Chart
Date Amount per Unit
12/31/2010 $0.030
Portfolio Sub-Advisors

Brandywine Global Investment Management, LLC

Established in 1986, Brandywine Global is a mid-sized investment firm based in Philadelphia. They are an independent subsidiary of Legg Mason, Inc., a global asset management holding company founded in 1899. Brandywine Global has more than 140 employees, with offices in Philadelphia, Chicago, San Francisco and Singapore covering more than 300 institutional client relationships.
CIBC Global Asset Management Inc.

CIBC Global Asset Management Inc. is one of Canada's largest asset management firms and provides a broad range of high-quality global investment management solutions to retail and institutional clients.

Domenic Monteferrante
Domenic Monteferrante joined CIBC Global Asset Management Inc. in February 1998. Mr. Monteferrante is a member of the Global Equity group operating from within the firm's Investment Management Platform, and is responsible for the Canadian equity product. He holds a Masters in Business Administration and Bachelor of Arts from Concordia University (Montreal.) Mr. Monteferrante is a CFA charterholder.

John Braive, CIBC Global Asset Management Inc.
John Braive joined CIBC Global Asset Management Inc. in January 1983. Responsible for the management of the firm's fixed income assets for 18 years, John is a member of the Global Fixed Income team, the Investment and Strategy committees, and the Board of Directors.

Mark Kanar, CIBC Global Asset Management Inc.
Mark Kanar joined CIBC Global Asset Management Inc. in 2002 and is the leader of the High Yield Bond Team within the Global Fixed Income Group.

Patrick O'Toole, CIBC Global Asset Management Inc.
Patrick O'Toole joined CIBC Asset Management in May 2004. He is a member of the Global Fixed Income team, operating from within the firm's Investment Management Platform. He holds a Diploma in Business Administration from Algonquin College (Ontario and is also a CFA charterholder and a Certified General Accountant.

RARE Infrastructure Limited

Based in Sydney, Australia, RARE has one of the world’s most experienced global infrastructure investment management teams with more than 70 years combined global infrastructure expertise. RARE’s objective is to provide investors with regular and predictable income, comprised of dividends and capital growth from a portfolio of global infrastructure securities. RARE’s investment process includes the following quantitative and qualitative assessments to select a final concentrated portfolio of stocks from more than 40,000 global listed securities. RARE’s combined experience in this asset class adds value at every step of the process.
Style
Performance and Volatility

Performance
3 mo 6 mo 1 yr 3 yrs 5 yrs 10 yrs YTD Since
Inception
2.7% 0.6% 4.2% 8.8% N/A N/A 4.2% 3.1%

As at: 12/31/2011


Calendar Year Performance (Class A)
2010 2009 2008 2007 2006 2005 2004
9.0% 13.4% (12.3%) N/A N/A N/A N/A


†The MER quoted above is annualized as at February 28, 2011. The MER would have been 2.17% had the manager not waived some management fees and/or absorbed some operating expenses. This will be reviewed annually by the Manager.

The Fund aims to distribute a consistent amount every month. If the amount distributed exceeds the Fund's net income and net realized capital gains, such excess will constitute a return of capital. The amount of distribution is not guaranteed and may change from time to time.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Renaissance Investments family of funds simplified prospectus before investing. The indicated rates of return are the historical annual compounded total returns for the units, including changes in unit value and reinvestment of all distributions, but do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer, nor are they guaranteed. There can be no assurance that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. The values of many mutual funds change frequently. Past performance may not be repeated.