If you are a non-registered investor, corporate class investments can offer you greater flexibility - you can switch between investments within a corporate class (mutual fund corporation) structure without worrying about immediate tax consequences.

The Harmony program provides a range of corporate class offerings and other potentially tax-efficient options in one simple solution.

Balancing potential tax efficiency with flexibility can be crucial when investing outside of a registered account.

The perfect balance can be achieved through corporate class investments. You can switch between investments within the corporate class structure - to seize new opportunities or to meet your evolving financial needs - without realizing an immediate taxable capital gain on the switches.

Corporate class portfolios can increase the value of your investments. Consider the following investors:

Harmony is sophisticated investing made easy. The program now provides even greater flexibility to non-registered investors - with corporate class offerings on a range of Harmony pools and portfolios within Harmony Tax Advantage Group Limited to meet your evolving needs.

You can attain potentially tax-efficient cash flow as well as growth on your Harmony investments, by combining your corporate class pool or portfolio with Series T or V, which deliver a targeted annual payout of 8% or 5% respectively, paid monthly.

These series are available on:

• Harmony Balanced Growth Portfolio Class and
• Harmony Growth Portfolio Class

They allow you the potential for sustainable long-term income and the opportunity to defer taxes on that distribution until a later date.

The potential cash flow you receive may be tax efficient because part of your initial investment is returned to you. Over time, this too may considerably reduce you tax burden.