{"id":1805,"date":"2018-09-24T20:44:31","date_gmt":"2018-09-24T20:44:31","guid":{"rendered":"http:\/\/private.pml.ca\/?page_id=1805"},"modified":"2026-06-02T16:58:02","modified_gmt":"2026-06-02T20:58:02","slug":"our-products","status":"publish","type":"page","link":"https:\/\/private.pml.ca\/?page_id=1805","title":{"rendered":"OUR SOLUTIONS"},"content":{"rendered":"

We create wealth management solutions by understanding your needs and your tolerance for risk and we create lasting relationships when there is a match between your long-term requirements and our ability to add value.<\/p>\n

Our solutions are based on the advice we provide and the funds that we offer.<\/p>\n

Pembroke\u2019s range of funds allows you to diversify your investments by geography and asset type. The fund documents on this page provide detailed information about each fund. The fund performance tables demonstrate how, especially over shorter periods of time, investment performance can vary between asset classes, regions and funds. Diversification across more than one fund can lower the volatility of returns and is an important component of most clients’ investment plans.<\/p>\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\n\t
<\/td>Concentrated Strategy<\/th>US Growth Strategy<\/th>Canadian Growth Strategy<\/th>Canadian All Cap Strategy<\/th>International Growth Strategy<\/th>Global Equity Strategy<\/th>Dividend Growth Strategy<\/th>Canadian Balanced Strategy<\/th>Global Balanced Strategy<\/th>Corporate Bond Strategy<\/th>Canadian Bond Strategy<\/th>Money Market Fund<\/th>\n<\/tr>\n<\/thead>\n
Fixed Income <\/td>None<\/td>None<\/td>None<\/td>None<\/td>None<\/td>None<\/td>None<\/td>30%<\/td>30%<\/td>100%<\/td>100%<\/td>100%<\/td>\n<\/tr>\n
Volatility<\/td>Higher<\/td>Moderate<\/td>Moderate<\/td>Moderate<\/td>Moderate<\/td>Moderate<\/td>Moderate<\/td>Lower<\/td>Lower<\/td>Low<\/td>Low<\/td>Low<\/td>\n<\/tr>\n
Risk Rating<\/td>High<\/td>Medium-High<\/td>Medium-High<\/td>Medium<\/td>Medium<\/td>Medium<\/td>Medium<\/td>Low-Medium<\/td>Low-Medium<\/td>Low<\/td>Low<\/td>Low<\/td>\n<\/tr>\n
Asset Class<\/td>Equities<\/td>Equities<\/td>Equities<\/td>Equities<\/td>Equities<\/td>Equities<\/td>Equities<\/td>Equities + Bond<\/td>Equities + Bond<\/td>Bonds<\/td>Bonds<\/td>Cash and cash equivalents<\/td>\n<\/tr>\n
Approach<\/td>Concentrated US Small\/Mid Cap Growth Equities<\/td>Diversified US Small\/Mid Cap Growth Equities<\/td>Diversified Canadian Small\/Mid Cap Growth Equities<\/td>Diversified Canadian Large Growth<\/td>Diversified International Small\/Mid Cap Growth Equities<\/td>Very Diversified Mix of Global Equities<\/td>Diversified Canadian Small\/Mid Cap Dividend Paying Equities<\/td>Diversified Canadian Small\/Mid Cap Dividend Paying Equities + Investment Grade Bonds<\/td>Very Diversified Balanced Mix of Global Equities + Canadian Corporate and Investment Grade Bonds<\/td>Diversified Canadian and Foreign Corporate Bonds<\/td>Diversified Investment Grade Government and Corporate Bonds<\/td>Canadian high quality, short-term debt securities<\/td>\n<\/tr>\n
Geography<\/td>US<\/td>US<\/td>Canada<\/td>Canada<\/td>Global Excluding US and Canada<\/td>Global<\/td>Canada<\/td>Canada<\/td>Global<\/td>Global with Canadian Focus<\/td>Global with Canadian Focus<\/td>Canada<\/td>\n<\/tr>\n
Style<\/td>Active<\/td>Active<\/td>Active<\/td>Active<\/td>Active<\/td>Active\/Passive<\/td>Active<\/td>Active<\/td>Active\/Passive<\/td>Active<\/td>Active<\/td>Active<\/td>\n<\/tr>\n
Current Yield (December 31, 2025)<\/td>0.29%<\/td>0.33%<\/td>1.08%<\/td>1.10%<\/td>1.02%<\/td>1.49%<\/td>2.90%<\/td>2.89%<\/td>1.91%<\/td>4.00%<\/td>3.52%<\/td>2.33%<\/td>\n<\/tr>\n<\/tbody>\n
<\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/div>\n
<\/div>\n

MUTUAL FUNDS<\/h2>\n

There are eleven unique Pembroke funds available to create an investment portfolio that works for you. Click the fund names below to review the Performance Update and holdings review for each fund.<\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Fund<\/th>Description<\/th>Manager<\/th>Inception Date<\/th>\n<\/tr>\n<\/thead>\n
Pembroke Money Market fund<\/a><\/td>Aims to maximize interest income while preserving capital by investing primarily in high quality, short-term Canadian government debt securities<\/td>Pembroke Management Ltd.<\/td>November 30, 1988<\/td>\n<\/tr>\n
Pembroke Canadian Bond Fund<\/a><\/td>Pursues income and some capital growth by investing in Canadian government and corporate bonds, debentures and other instruments<\/td>Canso Investment Counsel Ltd.<\/td>November 30, 1988<\/td>\n<\/tr>\n
Pembroke Corporate Bond Fund<\/a><\/td>Pursues opportunities in undervalued corporate bonds and other credit instruments, leveraging deep fundamental analysis and active management, while maintaining a disciplined approach to risk.<\/td>Canso Investment Counsel, Ltd.<\/td>January 1, 2009*
\n<\/td>\n<\/tr>\n
Pembroke Canadian Balanced Fund<\/a><\/td>Pursues long-term growth and income by investing in equities, bonds and other marketable securities<\/td>Pembroke Management Ltd.<\/td>November 1, 2006<\/td>\n<\/tr>\n
Pembroke Global Balanced Fund<\/a><\/td>Pursues long-term capital growth and income through the diversification of assets, geographies and market capitalization in investing primarily in units of public equity funds and units of fixed income funds including units of equity exchange traded funds<\/td>Pembroke Management Ltd.<\/td>April 8, 2019<\/td>\n<\/tr>\n
Pembroke Canadian All Cap Fund<\/a><\/td>High-quality Canadian growth stocks<\/td>Pembroke Management Ltd.<\/td>January 31, 2019<\/td>\n<\/tr>\n
Pembroke Canadian Growth Fund<\/a><\/td>Pursues long-term growth through capital appreciation by investing in small to mid-sized Canadian companies<\/td>Pembroke Management Ltd.<\/td>November 30, 1988<\/td>\n<\/tr>\n
Pembroke American Growth Fund Inc. (CAD)<\/a><\/td>Pursues long-term growth through capital appreciation by investing in small cap US companies<\/td>Pembroke Management Ltd.<\/td>October 1, 1988<\/td>\n<\/tr>\n
Pembroke International Growth Fund <\/a><\/td>Pursues long-term growth through capital appreciation by investing in small to mid-sized foreign companies located outside of the United States<\/td>Pembroke Management Ltd.<\/td>October 31, 1999<\/td>\n<\/tr>\n
Pembroke Concentrated Fund - Class A<\/a><\/td>High-quality American and Canadian growth stocks<\/td>Pembroke Management Ltd<\/td>January 31, 2018<\/td>\n<\/tr>\n
Pembroke Dividend Growth Fund<\/a><\/td>High-quality, dividend-paying Canadian growth stocks<\/td>Pembroke Management Ltd.<\/td>January 3, 2012**<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n*From January 1, 2009 to April 8, 2019, units of the Fund were distributed pursuant to an exemption from the prospectus requirement.
\n<\/b><\/small>** From January 3, 2012 to May 9, 2023, units of the Fund were distributed pursuant to an exemption from the prospectus requirement.<\/span><\/span><\/b><\/small><\/p>\n

For copies of the Pembroke Pooled Funds\u2019 audited financial statements, please contact your Pembroke representative. Pembroke offers pooled funds to accredited investors only.\u00a0<\/b><\/small><\/p>\n

POOLED FUNDS<\/h2>\n

Pembroke offers pooled funds to accredited investors only. \t \t\n\t Click here to see information on our pooled fund offering.<\/a>\n\t

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Accredited Investor<\/h2>
\n

This section is meant for private clients who are accredited under legislation; meaning (i) who is a resident of any of the Canadian provinces, and (ii) who is an accredited investor within the meaning of National Instrument 45-106 Prospectus and Registration Exemptions (\"NI 45-106\"), meaning:<\/p>\n

(d) a person registered under the securities legislation of a jurisdiction (province or territory) of Canada as an adviser or dealer (or in Ontario, except as otherwise prescribed by the regulations under the Securities Act (Ontario));<\/p>\n

(e) an individual registered under the securities legislation of a jurisdiction of Canada as a
\nrepresentative of a person referred to in paragraph (d);<\/p>\n

(e.1) an individual formerly registered under the securities legislation of a jurisdiction of Canada, other than an individual formerly registered solely as a representative of a limited market dealer under one or both of the Securities Act (Ontario) or the Securities Act (Newfoundland and Labrador);<\/p>\n

(i) except in Ontario, a pension fund that is regulated by the Office of the Superintendent of Financial Institutions (Canada), a pension commission or similar regulatory authority of a jurisdiction of Canada;<\/p>\n

(j) an individual who, either alone or with a spouse, beneficially owns financial assets having an aggregate realizable value that, before taxes, but net of any related liabilities, exceeds
\n$1,000,000; <\/p>\n

(j.1) an individual who beneficially owns financial assets having an aggregate realizable value that, before taxes but net of any related liabilities, exceeds $5,000,000;<\/p>\n

(k) an individual whose net income before taxes exceeded $200,000 in each of the two most recent calendar years or whose net income before taxes combined with that of a spouse exceeded $300,000 in each of the two most recent calendar years and who, in either case, reasonably expects to exceed that net income level in the current calendar year;<\/p>\n

(l) an individual who, either alone or with a spouse, has net assets of at least $5,000,000;<\/p>\n

(m) a person, other than an individual or investment fund, that has net assets of at least $5,000,000 as shown on its most recently prepared financial statements;<\/p>\n

(n) an investment fund that distributes or has distributed its securities only to (i) a person that is or was an accredited investor at the time of the distribution, (ii) a person that acquires or acquired securities in the circumstances referred to in sections 2.10 [Minimum amount investment] or 2.19 [Additional investment in investment funds] of NI 45-106, or (iii) a person described in subparagraph (i) or (ii) that acquires or acquired securities under section 2.18 [Investment fund reinvestment] of NI 45-106;<\/p>\n

(o) an investment fund that distributes or has distributed securities under a prospectus in a
\njurisdiction of Canada for which the regulator or, in Qu\u00e9bec, the securities regulatory authority, has issued a receipt;<\/p>\n

(q) a person acting on behalf of a fully managed account managed by that person, if that person is registered or authorized to carry on business as an adviser or the equivalent under the securities legislation of a jurisdiction of Canada or a foreign jurisdiction;<\/p>\n

(r) a registered charity under the Income Tax Act (Canada) that, in regard to the trade, has obtained advice from an eligibility adviser or an adviser registered under the securities legislation of the jurisdiction of the registered charity to give advice on the securities being traded; <\/p>\n

(s) an entity organized in a foreign jurisdiction that is analogous to any of the entities referred to in paragraphs (a) to (d) or paragraph (i) in form and function;<\/p>\n

(t) a person in respect of which all of the owners of interests, direct, indirect or beneficial, except the voting securities required by law to be owned by directors, are persons that are accredited investors;<\/p>\n

(u) an investment fund that is advised by a person registered as an adviser or a person that is exempt from registration as an adviser;<\/p>\n

(v) a person that is recognized or designated by the securities regulatory authority or, except in Ontario and Qu\u00e9bec, the regulator as an accredited investor;<\/p>\n

(w) a trust established by an accredited investor for the benefit of the accredited investor's family members of which a majority of the trustees are accredited investors and all of the beneficiaries are the accredited investor's spouse, a former spouse of the accredited investor or a parent, grandparent, brother, sister, child or grandchild of that accredited investor, of that accredited investor's spouse or of that accredited investor's former spouse; or<\/p>\n

(x) in Ontario, such other persons as may be prescribed by the regulations under the Securities Act (Ontario).<\/p>\n \n <\/div> \n

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