Tactical Bond Fund Commentary

Portfolio Sub-Advisor: Aston Hill Asset Management Inc.

Manager Commentary - December 31, 2011

The Fund lagged its benchmark for most of the year as slow growth and lack of inflationary pressures provided an environment where yields for risk free assets could continue to rally. Added to this was the ongoing troubles in Europe which continued to play havoc with investors as many flocked to the safety of the U.S. dollar and Treasury bonds in the second half of 2011.

In this environment, the yield on a Government of Canada ten year bond rallied to an all-time low of 1.84%, and credit spreads widened for high yield bonds and other credits as well. The Fund underperformed its benchmark for the year as it held significant cash positions and was overweight higher yielding bonds relative to its benchmark. Performance in Canadian bonds proved to be quite different across sectors. Long duration government bonds were the top performers for the year by a wide margin. Meanwhile, with credit spreads widening and with bonds issued by companies typically having a shorter maturity, the Corporate bond sector underperformed long bonds but were not far behind the overall index. High yield bonds also underperformed the overall index and were roughly in line with the performance for short term bonds.

The Portfolio Sub-Advisor added to its holdings in high yield bonds throughout 2011. Although this asset class has lagged the performance of investment grade bonds, it still has the potential to outperform in 2012. Within this asset class, the Fund maintains a significant weight in senior secured first lien securities, otherwise known as "bank debt". The Portfolio Sub-Advisor believes these securities offer better protection than the subordinated debt from the same issuer and, in many cases, still offers significant cash yield. The Portfolio Sub-Advisor added to the Fund's holdings in the bank debt of CCS Inc. CCS Inc. is a company that specializes in the storage and treatment of waste fluids and materials from the oil & gas industry. The Fund also increased its holdings in the Telecommunications Services sector with bonds from Bell Canada, Rogers Communications Inc. and Shaw Communications Inc.