Canadian Growth Class Commentary

Portfolio Advisor: Industrial Alliance Investment Management Inc.

Fund Commentary - April, 2012

During the first quarter of 2012, the world economic recovery continued to have  a positive effect on stock markets worldwide.  However, fears of another market downturn are not unfounded. The European sovereign debt crisis continues to pose a significant risk to the world economy. While a Greek default was avoided, we are clearly not "back to normal."

The start of 2012 presents several major differences from 2011. U.S. economic data is much stronger than a year ago including  better than expected results in employment data, and Americans renewing their automobile fleet by replacing old cars with more energy-efficient models.

Major stock market indices had a positive start to the year while Canada lagged behind foreign indices. The underperformance of the S&P/TSX Composite Index is primarily due to the fear of an economic slowdown in China which impacts the performance of the Materials and Energy sectors, these two sectors for more than a 46% weighting in the Canadian stock market.

 The fund had a positive quarter.  Our REIT selection was also beneficial with names like Artis REIT, Boardwalk REIT and Cominar REIT. The small-cap portion also helped has small-cap stocks were a greater contributor than large-cap stocks in the first quarter of 2012. Stocks like Horizon North Logistics Inc. and Rocky Mountain Dealerships Inc. did well during the quarter. Our low exposure in natural gas producers contributed to the Fund as the commodity declined 34% during the quarter.

During the period, after the rise in the cyclical sectors, we reduced some positions in the Materials and Energy sectors; Taseko Mines Ltd., Quadra FNX Mining Ltd., Osisko,Mining Corpoation and Precision Drilling Corp. were recycled into the Financials sector more specifically towards Canadian banks. The current situation in China results in a cautious approach towards the cyclical sector. Combined with the on-going problems in the Europe, volatility in the equity markets is expected to remain present for some time.