Institutional Funds

TD Emerald Retirement Income Pooled Fund Trust

Investment Strategy

The Fund follows a "fund of funds" approach, providing diversified exposure to a large number of domestic and global securities by investing in units of other TD Emerald Funds. The Fund will have an emphasis on fixed income exposure but will also have equity exposure in order to provide inflation protection.

Investment Objective

The objective of the Fund is to provide income and preservation of capital, balanced with a need to also protect against inflation.

Who Should Invest

The Fund is designed for an investor who is retired or about to retire and plans to gradually withdraw funds throughout their retirement.

Fund Facts

Asset Class	Multi-Asset
Management Philosophy	Active
Inception Date	March 31, 2010
Benchmark	Combination of: S&P/TSX Composite TRI, MSCI AC World Index ND ($C), FTSE Canada Universe Bond Index, FTSE Canada 91 Day T-Bill Index

Details

NAV($) / Yield (%)	10.9754 (As of January 26, 2021)
Distribution Date	December 22, 2020
Income Distribution	0.1576
Capital Distribution	0.0321
Total Distribution	0.1897
AUM (in millions)	5.23 (As of December 31, 2020)
Distribution Frequency	Monthly

*Rates of return are time-weighted, reflecting income during the period but do not include any deduction for management fees.

Performance

	1 M	3 M	YTD	1 Y	2 Y	3 Y	4 Y	5 Y	10 Y	Since Inception
Fund	0.40	1.60	1.97	1.97	6.27	4.25	4.48	4.74	6.33	6.60
Benchmark	1.14	4.04	9.40	9.40	10.87	6.77	6.69	6.46	6.36	6.56

*Performance as of December 31, 2020. Year To Date - performance based on most recent month-end data.

*Benchmark is Combination of: S&P/TSX Composite TRI, MSCI AC World Index ND ($C), FTSE Canada Universe Bond Index, FTSE Canada 91 Day T-Bill Index

Note: Fund performance is before fees but after expenses

Yearly Performance

	2019	2018	2017	2016	2015
Fund	10.76	0.33	5.15	5.80	4.53
Benchmark	12.35	-0.97	6.46	5.55	4.08