Investor Presentaiton
NATIONAL
BANK
INVESTMENTS
NBI Quebec Growth Fund
Investor Series
How has the fund performed?
This section tells you how Investor Series units of the fund have performed over the past 10 years. Returns are after expenses have been deducted. These
expenses reduce the funds' returns.
Year-by-year returns
This chart shows how Investor Series units of the fund performed in each of the past 10 years. The fund dropped in value in 2 of the 10 years. The range of
returns and change from year to year can help you assess how risky the fund has been in the past. It does not tell you how the fund will perform in the
future.
50%
40%
37.3%
30%
21.9%
20%
22.8%
18.7%
12.3%
15.3%
17.3%
10%
5.7%
0%
-10%
-20%
-11.5%
-6.4%
-30%
-40%
-50%
2013
2014 2015
2016 2017 2018
2019 2020
2021
2022
Best and worst 3-month returns
This table shows the best and worst returns for Investor Series units of the fund in a 3-month period over the past 10 years. The best and worst
3-month returns could be higher or lower in the future. Consider how much of a loss you could afford to take in a short period of time.
Best Return
Worst return
Return
3 months ending
17.8%
June 30, 2020
-24.8%
March 31, 2020
If you invested $1,000 at the beginning of the period
Your investment would rise to $1,178.
Your investment would drop to $752.
Average return
The annual compounded return of Investor Series units of the fund was 12.38% over the past 10 years. If you had invested $1,000 in this fund 10 years ago,
your investment would now be worth $3,213.
Who is this fund for?
Investors who:
are looking to invest for the long term (at least five years);
⚫ are seeking to participate in Quebec's economic growth within a
diversified portfolio.
Don't buy this fund if you need a steady source of income from
your investment.
How much does it cost?
A word about tax
In general, you'll have to pay income tax on any money you make on a
fund. How much you pay depends on the tax laws where you live and
whether or not you hold the fund in a registered plan, such as a Registered
Retirement Savings Plan (RRSP) or a Tax-Free Savings Account (TFSA).
Keep in mind that if you hold your fund in a non-registered account, fund
distributions are included in your taxable income, whether you get them in
cash or have them reinvested.
The following tables show the fees and expenses you could pay to buy, own and sell Investor Series units of the fund. The fees and expenses - including
any commissions - can vary among series of the fund and among funds. Higher commissions can influence representatives to recommend one investment
over another. Ask about other funds and investments that may be suitable for you at a lower cost.
1. Sales Charges
There are no charges when you purchase your units through NBI or National Bank Direct Brokerage (a division of National Bank Financial Inc.). Other
representative's firm may charge you a fee.
2. Fund expenses
You don't pay these expenses directly. They affect you because they reduce the fund's returns. As of December 31, 2022, the fund's expenses were 2.49% of
its value. This equals $24.90 for every $1,000 invested.
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