payroll investment plan (pip) - golden opportunities · pdf filepayroll investment plan invest...

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SOLD BY PROSPECTUS ONLY. Please read the Prospectus, which contains important detailed information, before investing. A free copy is available from your Financial Advisor or the Principal Distributor, National Bank Financial Inc., a Member of the Canadian Investor Protection Fund, at info.nbfinancial.com. Commissions, trailing commissions, management fees and expenses all may be associated with Retail Venture Capital (RVC) Fund investments which may not be suitable for all investors. RVCs are not guaranteed, their values change frequently and past performance may not be repeated. Tax credits are available to eligible investors on investments up to $5,000 annually, provided that the shares are held for at least eight years from the date of purchase. Redemption restrictions may apply. As a result of the 2016 Federal Budget’s restoration of the federal tax credit, the full 35% in tax credits apply to the 2016 and subsequent tax years. Subject to the 2016 Federal Budget receiving Royal Assent and coming into force. March 2016 For more information on Golden Opportunities Fund Inc., complete the online reply form at gopayrollplan.ca or contact your Financial Advisor. Choose your investment... 1 See Prospectus under “Investment Objectives” for more important information. 2 Fraser Institute’s 2015 Global Petroleum Survey Payroll Investment Plan (PIP) Add to your retirement savings. Turn $57 per paycheque into a $5,000 annual RRSP investment in a strong Saskatchewan! * Mature Innovation Portfolio Healthcare Facilities Oil & Gas Management Buyouts • A portfolio strategically focused across four key pillars for growth, stability and value Innovation portfolio: all of the upside growth plus loss protection 1 PROTECTING YOUR i-SHARE with up to 80% in loss support. 1 Up to 80% loss protection to a maximum of $3.3 million. 100% resource focused portfolio WEALTH OF DIVERSE RESOURCES Saskatchewan ranks 1 st in Canada for petroleum exploration and development investment potential. 2 ATTENTION EMPLOYEES PROUDLY SPONSORED BY: CONSTRUCTION AND GENERAL WORKERS’ UNION, LOCAL 180.

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Page 1: Payroll Investment Plan (PIP) - Golden Opportunities · PDF filePayroll Investment Plan Invest Regularly It’s easy! Your employer will remit your contribution directly to the Fund

SOLD BY PROSPECTUS ONLY. Please read the Prospectus, which contains important detailed information, before investing. A free copy is available from your Financial Advisor or the Principal Distributor, National Bank Financial Inc., a Member of the Canadian Investor Protection Fund, at info.nbfinancial.com. Commissions, trailing commissions, management fees and expenses all may be associated with Retail Venture Capital (RVC) Fund investments which may not be suitable for all investors. RVCs are not guaranteed, their values change frequently and past performance may not be repeated. Tax credits are available to eligible investors on investments up to $5,000 annually, provided that the shares are held for at least eight years from the date of purchase. Redemption restrictions may apply. As a result of the 2016 Federal Budget’s restoration of the federal tax credit, the full 35% in tax credits apply to the 2016 and subsequent tax years. Subject to the 2016 Federal Budget receiving Royal Assent and coming into force.

March 2016

For more information on Golden Opportunities Fund Inc., complete the online reply form at gopayrollplan.ca

or contact your Financial Advisor.

Choose your investment...

1 See Prospectus under “Investment Objectives” for more important information.2 Fraser Institute’s 2015 Global Petroleum Survey

Payroll Investment Plan (PIP)

Add to your retirement savings.

Turn $57 per paycheque into a $5,000 annual RRSP investment

in a strong Saskatchewan!*

MatureInnovation

Portfolio

HealthcareFacilities

Oil & Gas ManagementBuyouts

• A portfolio strategically focused across four key pillars for growth, stability and value

• Innovation portfolio: all of the upside growth plus loss protection1

PROTECTING YOUR i-SHAREwith up to 80% in loss support.1

Up to 80% loss protection to a maximum of $3.3 million.

• 100% resource focused portfolio

WEALTH OF DIVERSE RESOURCESSaskatchewan ranks 1st in Canada for

petroleum exploration and development investment potential.2

AT TENTION EMPLOYEES

PROUDLY SPONSORED BY: CONSTRUCTION AND GENERAL WORKERS’ UNION, LOCAL 180.

Page 2: Payroll Investment Plan (PIP) - Golden Opportunities · PDF filePayroll Investment Plan Invest Regularly It’s easy! Your employer will remit your contribution directly to the Fund

Payroll Investment PlanInvest RegularlyIt’s easy! Your employer will remit your contribution directly to the Fund.

Lower Your TaxesReceive immediate tax savings by collecting the 35% tax credit and RRSP savings on every paycheque instead of waiting to file your annual income tax return.

“ Reducing the amount of income tax taken off my cheque every pay day and directing these taxes to my Golden Opportunities Fund investment just made sense. I don’t have to use my money to buy the Fund and then wait to receive a refund. Taxes are high enough and any time I can reduce the amount I’m paying and keep the dollars invested right here in Saskatchewan, it’s a good deal.” - Randy Seeman, UMWA Local 7606

Your Money Working For You!

*As a result of the 2016 Federal Budget’s restoration of the federal tax credit, the full 35% in tax credits apply to the 2016 and subsequent tax years. Subject to the 2016 Federal Budget receiving Royal Assent and coming into force. **Canadian Venture Capital & Private Equity Association’s 2015 Canadian Private Equity Market Overview.

100% of your money is invested in Saskatchewan

Receive tax savings*Invest up to $5,000 into Golden Opportunities Fund and receive 35% in tax credits in addition to regular RRSP benefits!

* By combining the provincial and federal tax credits with the RRSP tax savings attached to the Fund, a biweekly contribution of $57 can result in a $5,000 investment every year. Based on an annual RRSP investment, 26 pay periods per year, basic personal tax exemptions and a marginal tax rate of 35% (minimum taxable income of $44,029). Amount will vary according to your tax bracket. As a result of the 2016 Federal Budget’s restoration of the federal tax credit, the full 35% in tax credits apply to the 2016 and subsequent tax years. Subject to the 2016 Federal Budget receiving Royal Assent and coming into force.

Contribute $5,000 annually to your RRSP for a net cost of only $57 per paycheque*

Without the Payroll Investment Plan

Redirect $135 of Income Tax to your Golden Opportunities Fund investment

Out of pocket net cost of only $57 per pay period*

Regular Pay per Period (before deductions) $2,076 $2,076

Less: CPP and EI $135 $135

Less: Income Tax* $400 $265

Your Investment into Golden Opportunities Fund

$0 $192Net Take-home Pay $1,541 $1,484

With the Payroll Investment Plan

Capital Raised• Over 28,000 Saskatchewan shareholders are now invested.

Capital Invested• Invested approximately $340 million in 129 companies since inception!

INVEST THROUGH THE PIP

TO ENSURE YOU GET

TAX CREDITS EVEN

IF THE FUND

SELLS OUT.

DON’T MISS OUT

A leading Fund Manager

Ranked as Top 12 Most Active Private Equity Investors in Canada in 2015!**

Looking for more information...complete the online reply form at gopayrollplan.ca?