WHY PRIVATE MARKETS
TAILOR YOUR PORTFOLIO
Capitalize on the opportunity to solve complex financial challenges by designing and building a portfolio catered to your needs.
CASH FLOW
Integrate liquidity strategies to hedge against inflation and tailor individual portfolios to produce stable income streams.
TAX STRATEGIES
Explore private market investments that seek to provide strategic tax advantages that help reduce overall tax exposure.
EARLY ACCESS
Invest in early stage companies that have been reviewed and vetted by in-house corporate finance.
COMMUNICATIONS
Receive client statements, detailed product insight, and educational seminars on all of our investment opportunities.
DIVERSIFICATION STRATEGIES
Include deep diversification strategies across asset classes, within asset classes, and broad geographies as a hedge against volatility.
RISK MITIGATION
Incorporate your Individual risk profile in portfolio construction, to ensure alignment with your financial goals and objectives.
HOW WE SELECT INVESTMENTS
MAKING PRIVATE MARKET INVESTMENTS ACCESSIBLE
Our Industry-leading private market expertise allows us to curate investment opportunities that meet both our professional accountability to our clients, and our core investment philosophy of meaningful diversification, and investor accessibility.
1
INVESTMENT OPPORTUNITY
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Our in-house corporate finance division identifies investment opportunities across all asset classes that align with our diversification and accessibility mandate. We target markets and opportunities that we believe provide long term growth potential, long term income potential, and sustainability.
2
DUE DILIGENCE
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An internal review is completed on each investment opportunity to ensure the investment has been vetted from both an analytical perspective, as well as a deep dive into the principal(s), and operational capacity of the company. Pinnacle Wealth submits all vetted opportunities through an investment committee for review to ensure all aspects of the investment have been explored and vetted prior to closing; as well as a peer review committee to assess the viability of the product within our market share.
3
INVESTOR FIRST
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If the investment passes the due diligence process, it moves to a focus on investors. Our investment professionals are required to have knowledge on all the investment products available through Pinnacle Wealth, and in alignment with compliance processes and procedures, are accountable for ensuring an investment(s) is suitable prior to making recommendations to clients.
![nastuh-abootalebi-rSpMla5RItA-unsplash.jpg](https://static.wixstatic.com/media/721a0a_fdaa59d8d243454e97f3ff990a772849~mv2.jpg/v1/fill/w_105,h_70,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/721a0a_fdaa59d8d243454e97f3ff990a772849~mv2.jpg)
UNDERSTANDING RISK
THE PRIVATE MARKETS ARE HIGHLY REGULATED
Private markets are not exempt from regulatory requirements focused on investor protection.
INVESTOR RISK PROFILE
FINANCIAL GOALS
LIFE STAGES
INVESTMENT KNOWLEDGE
TIME HORIZON
Before making investment decisions, our clients complete a deep discovery analysis to determine risk profile and suitability.
TAILORED DIVERSIFICATION
PRIVATE MARKETS CREATE ACCESS
Our focus is creating an accessible marketplace where all investors have the opportunity to benefit from Canadian Private Markets. Capitalize on the opportunity for tailored portfolio diversification.
Self Storage
Energy
Manufacturing
Music Royalties
Health Care
Bio Technology
Camping & RV Industry
Mining
Dental Services
Senior Living Facilities
Diversified Industries
Lending Strategies
Industrial Real Estate
Multi-Family Real Estate
Agriculture Technology
Industrial Services
CURRENT INVESTMENTS
BUILD A CUSTOM PORTFOLIO OF REAL ASSETS
Avenue Living Real Estate Core Trust
Minimum Investment
Class D - $5,000 CAD; Class D-U - $5,000 USD
Target Return
8 - 12% p.a. (10-year), net of fees*
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Avenue Living Real Estate Core Trust (the "Trust"), through its investment in Avenue Living (2014) LP (the "LP"), provides investors with the opportunity to participate passively and indirectly in the consolidation of multi-family residential real estate assets across North America. The LP seeks to generate returns for the Trust via capital appreciation and yield by acquiring assets below replacement value, investing in capital and operational improvements, and implementing active property management programs across portfolio assets. (4)
Active Online
![nathan-van-egmond-9LMRQdVv7hw-unsplash.jpg](https://static.wixstatic.com/media/721a0a_4796d25e640d49c5be1d04e96c573c02~mv2.jpg/v1/crop/x_0,y_1805,w_5774,h_1492/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/nathan-van-egmond-9LMRQdVv7hw-unsplash.jpg)
ICM Crescendo Music Royalty Fund
Minimum Investment
Series A - $10, 000 CAD
Series B - $10, 000 CAD
Series C - $150, 000 CAD
Series US$ - $25, 000 USD
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Target Total Net Return
8-12% p.a. (5+ years)*
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ICM Crescendo Music Royalty Fund seeks to provide investors with a long-term, uncorrelated yield by investing in music intellectual property and associated royalties. (2)
Active Online
![natalie-parham-ITafWBGLSNs-unsplash.jpg](https://static.wixstatic.com/media/721a0a_6020f1ea162c4772b7f7fdbbd6d8af26~mv2.jpg/v1/crop/x_0,y_1232,w_6016,h_1553/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/natalie-parham-ITafWBGLSNs-unsplash.jpg)
Invico Diversified Income Fund
Minimum Investment
Class B - $7,000 CAD; Class BU - $7,000 USD
Target Distribution
approx. 8% per annum, DRIP available*
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Invico Diversified Income Fund (“IDIF”) is an award-winning open-ended mutual fund trust that invests in a diversified portfolio of high yield lending and energy working interests across North America.(8)
Active Online
![s-o-c-i-a-l-c-u-t-1RT4txDDAbM-unsplash.jpg](https://static.wixstatic.com/media/721a0a_55ef8af9ca3c4f53b721670dd7134a6c~mv2.jpg/v1/crop/x_0,y_520,w_4000,h_1032/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/s-o-c-i-a-l-c-u-t-1RT4txDDAbM-unsplash.jpg)
Maple Leaf Critical Minerals 2024 Super Flow-Through LP
Securities Offered: Class A Québec Class Units, Class F Québec Class Units.
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Minimum Investment : $9,000 CAD
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Tax Deduction:
Québec Class Units : Initial investment expected to be up to 142% tax deductible (see Offering Memorandum for calculation details and assumptions).
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The investment objective of the Québec Portfolio is to provide investors with up to a 142% (depending on the marginal tax rate) minimum equivalent tax deductible (tax deductions plus tax credits) investment in a diversified portfolio of Flow-Through Shares of Resource Companies principally in the Province of Québec with a view to maximizing tax benefits and achieving capital appreciation and/or income for investors.(19)
Active Online
![vladimir-patkachakov-Mx6Xmf_nbRk-unsplash.jpg](https://static.wixstatic.com/media/d39f56_cd59ac9fae064c848978de965bc62e01~mv2.jpg/v1/crop/x_0,y_877,w_3264,h_842/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/vladimir-patkachakov-Mx6Xmf_nbRk-unsplash.jpg)
Pier 4 Real Estate Investment Trust
Minimum Investment
Class A $10,000 CAD; Class C $25,000CAD
Target Return
12.0% - 15.0% targeted total net annual return*
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Pier 4 Real Estate Investment Trust (“Pier 4”) seeks to provide investors with monthly distributions while creating long term growth through the direct investment in multi-family apartment buildings located across Canada. (12)
Active Online
![zuza-galczynska--YC_QAR-GA0-unsplash.jpg](https://static.wixstatic.com/media/721a0a_f5dd7010e3c44cd483b5df9143eeccd7~mv2.jpg/v1/crop/x_0,y_891,w_4363,h_1126/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/zuza-galczynska--YC_QAR-GA0-unsplash.jpg)
Pulis Real Estate LP2
Minimum Investment
Series E - $10, 000 CAD
Series G - $5, 000 CAD
Series H - $50, 000 CAD
Target Return
Target annual returns of 10-12%*
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Pulis Real Estate LP2 is a diversified portfolio of Canadian multi-family real estate located in core markets that provides investors with equity growth and quarterly cash distributions.(15)
Active Online
![garrett-parker-xQWLtlQb7L0-unsplash.jpg](https://static.wixstatic.com/media/721a0a_429b526541314ca68ee7a84d2d657422~mv2.jpg/v1/crop/x_0,y_1592,w_5472,h_1414/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/garrett-parker-xQWLtlQb7L0-unsplash.jpg)
Durum Industrial REIT
Minimum Investment
Pending
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Target Return
Pending
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Durum Industrial (“The Fund”) has grown to more than $100 million in assets under management through the strategic acquisition of Western Canadian Industrial real estate. The Fund is uniquely positioned to benefit from demand accelerated by the shift to e-commerce, local production, and strong economic growth across the prairie provinces.(6)
Offline : Data review & update to investment offering
![saad-salim-PqRvLsjD_TU-unsplash.jpg](https://static.wixstatic.com/media/721a0a_1fedef9fb2e64d3db6407f9b7b4264bd~mv2.jpg/v1/crop/x_0,y_1475,w_6776,h_1749/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/saad-salim-PqRvLsjD_TU-unsplash.jpg)
Henley Properties II Limited Partnership
Minimum Investment
Pending
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Targeted Net Rental Revenue
Pending
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Henley Properties II Limited Partnership has been organized by Millennium III Capital Corporation to acquire an interest in and operate three industrial buildings named Rochdale Centre, located at 5910 – 5970 Rochdale Boulevard, Regina, Saskatchewan. Investors, as part owners of a property, participate fully in the profit from operations while maintaining limited liability. (18)
Offline : Data review & update to investment offering
![Screenshot 2024-04-22 at 12.52.05 PM.png](https://static.wixstatic.com/media/721a0a_412733aa5a6e4406ae91c6a3330c7492~mv2.png/v1/crop/x_0,y_57,w_1366,h_353/fill/w_114,h_29,al_c,q_85,usm_0.66_1.00_0.01,blur_2,enc_auto/Screenshot%202024-04-22%20at%2012_52_05%20PM.png)
Marquest Mining Québec 2024-I Super Flow-Through Limited Partnership
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Investment will be made in flow-through shares of resource companies involved in mineral exploration, development, or production in Canada with a view to achieving capital appreciation and maximizing the tax benefit of an investment in the Partnership. The Partnership intends to focus on a diversified portfolio of companies in the intermediate and junior mineral sector with advanced exploration programs. (21)
Offline : Data review & update to investment offering
![artyom-korshunov-NWByxwVN-J0-unsplash_ed](https://static.wixstatic.com/media/d39f56_5135ff1781bb4e25ace77e453b7c46cc~mv2.jpg/v1/crop/x_0,y_319,w_2991,h_772/fill/w_113,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/artyom-korshunov-NWByxwVN-J0-unsplash_ed.jpg)
Newlook Capital Dental Services Trust
Minimum Investment
Pending
Target Return
Pending
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Newlook Capital Dental Trust (“Newlook Dental”) will invest the subscription proceeds from the issuance of Trust Units into debentures of Dentalook Inc. (“Dentalook”), which intends to make strategic investments in dental practices.(10)
Offline : Data review & update to investment offering
![benyamin-bohlouli-e7MJLM5VGjY-unsplash.jpg](https://static.wixstatic.com/media/721a0a_d73b642ea8014a1bab664df30024b599~mv2.jpg/v1/crop/x_0,y_1271,w_5472,h_1413/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/benyamin-bohlouli-e7MJLM5VGjY-unsplash.jpg)
Pinnacle Lifestyles Fund II
Minimum Investment
Pending
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Target Return
Pending
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Pinnacle Lifestyles has established itself as an RV & Cabin resort chain. Pinnacle Lifestyles Fund II is proposing a follow-on financing opportunity focused on capitalizing on two acquired properties located in Sicamous and Revelstoke in British Columbia. (22)
Offline : Data review & update to investment offering
![Screenshot 2024-06-24 at 1.22.23 PM.png](https://static.wixstatic.com/media/d39f56_05d1d5311e0d41d9b1f7df8878e7487d~mv2.png/v1/crop/x_0,y_57,w_980,h_257/fill/w_113,h_30,al_c,q_85,usm_0.66_1.00_0.01,blur_2,enc_auto/Screenshot%202024-06-24%20at%201_22_23%E2%80%AFPM.png)
Centurion Apartment Real Estate Investment Trust
Minimum Investment
$25, 000 CAD
Target Return
Targeted annual total return between 7% - 12%*
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The Centurion Apartment Real Estate Investment Trust (“REIT”) invests in a diversified portfolio of rental apartments and student housing properties, as well as mortgage and equity investments in property developments, across Canada and the United States. (5)
Active Online
![amos-lee-5Rc4doYnu94-unsplash copy.jpg](https://static.wixstatic.com/media/721a0a_7a279628ed7f40eaa11142c4a36d4db1~mv2.jpg/v1/crop/x_0,y_332,w_4032,h_1040/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/amos-lee-5Rc4doYnu94-unsplash%20copy.jpg)
ICM Property Partners Trust
Minimum Investment
Series B - $5, 000 CAD
Series C - $200, 000 CAD
Series US$ - $25, 000 USD
Target Total Net Return
8-12% p.a. (5+ years)
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ICM Property Partners Trust seeks to preserve capital, provide monthly distributions and generate long-term growth through direct investments in North American real estate assets.(3)
Active Online
![april-pethybridge-nN28PjFOOLI-unsplash.jpg](https://static.wixstatic.com/media/721a0a_23dad7cb587348efb75379a5a94c2319~mv2.jpg/v1/crop/x_73,y_1453,w_5477,h_1440/fill/w_113,h_30,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/april-pethybridge-nN28PjFOOLI-unsplash.jpg)
Maple Leaf Critical Minerals 2024 Super Flow-Through LP
Securities Offered: Class A National Class Units, Class F National Class Units
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Minimum Investment : $9,000 CAD
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Tax Deduction:
National Class Units : Initial investment expected to be up to 130% tax deductible (see Offering Memorandum for calculation details and assumptions).
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The investment objective of the National Portfolio is to provide investors with up to a 130% (depending on the marginal tax rate) minimum equivalent tax deductible (tax deductions plus tax credits) investment in a diversified portfolio of Flow-Through Shares of Resource Companies with a view to maximizing tax benefits and achieving capital appreciation and/or income for investors. (20)
Active Online
![illiyeen-B3wjM8Pp0Qg-unsplash.jpg](https://static.wixstatic.com/media/d39f56_1cf31d95b9de4b39b25b3c0669b0ed1e~mv2.jpg/v1/crop/x_0,y_1481,w_2448,h_632/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/illiyeen-B3wjM8Pp0Qg-unsplash.jpg)
Newlook Capital Industrial & Infrastructure Services Fund III
Minimum Investment
Class B $10,000 CAD; Class B/$US - $10,000 USD
Target Return
8-12% total target annual return*
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Newlook Capital Industrial and Infrastructure Services Fund III (IISF III) is a private equity fund focused on developing a robust portfolio of investments in the industrial and infrastructure services sectors.(11)
Active Online
![youssef-abdelwahab-qyzo7TDSVQs-unsplash.jpg](https://static.wixstatic.com/media/721a0a_f378ee2e1dbf4da399c8a5d224cc4117~mv2.jpg/v1/crop/x_0,y_1057,w_5168,h_1334/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/youssef-abdelwahab-qyzo7TDSVQs-unsplash.jpg)
Pinnacle Lifestyles Fund III Incorporated
Minimum Investment
$25,000 : Accredited & Institutional Investors Only
Target Return
12 -16% per annum*
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​Pinnacle Lifestyles has established itself as an RV & Cabin resort chain. Pinnacle Lifestyles Fund III Incorporated holds three key properties in British Columbia focused on RV & cabin lot sales, development and operations.(13)
Active Online
![jonas-ducker-SN5tt-oozVI-unsplash.jpg](https://static.wixstatic.com/media/721a0a_2f894c90cdb647adbf6fef42ce239dcf~mv2.jpg/v1/crop/x_0,y_1381,w_6000,h_1550/fill/w_113,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/jonas-ducker-SN5tt-oozVI-unsplash.jpg)
Tract Farmland Partners LP
Minimum Investment
Class D Units - CAD$25,000 - Accredited Investors Only
Target Return
10.0% -14.0% per annum (10-year), net of fees*
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Tract Farmland Partners LP ("Tract Farmland") provides investors with the opportunity to participate passively and indirectly in the consolidation of agricultural land primarily in the Province of Saskatchewan. Tract Farmland will seek to generate returns for investors via the capital appreciation and leasing of its portfolio of land holdings, as well as through value-add capital improvements and the strategic use of leverage. (16)
Active Online
![sean-kinnear-ODsSG8BuPK0-unsplash.jpg](https://static.wixstatic.com/media/721a0a_025cd5fb74994827bd1bafff15da8a26~mv2.jpg/v1/crop/x_0,y_1666,w_5184,h_1340/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/sean-kinnear-ODsSG8BuPK0-unsplash.jpg)
Equiton Residential Income Fund Trust
Minimum Initial Investment
Pending
Target Return
Pending
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The Equiton Residential Income Fund Trust (The “Apartment Fund”) specializes in acquiring undervalued Canadian multi-residential properties with identifiable value creation opportunities which can be realized through insightful active management. The Apartment Fund also invests in a limited number of multi-residential developments to help ensure a cost-effective property acquisition pipeline.(7)
Offline : Data review & update to investment offering
![avi-waxman-f9qZuKoZYoY-unsplash.jpg](https://static.wixstatic.com/media/721a0a_42c64fcac06745a0bbea517627250ffd~mv2.jpg/v1/crop/x_0,y_410,w_3639,h_938/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/avi-waxman-f9qZuKoZYoY-unsplash.jpg)
Lynx Equity Income Trust
Minimum Investment
Pending
Targeted Distributions
Pending
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Lynx Equity Income Trust (the “Trust”) is an open-ended trust created on August 2, 2016. The Trust, indirectly through Lynx Investment Corp (“Investco”), makes preferred royalty investments in private companies across diverse industries, excluding mining or oil & gas extraction, with proven management teams, sustainable cash flows, and stable operating histories.(9)
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Offline : Data review & update to investment offering
![kjell-jostein-sivertsen-zDkzLOy3EwY-unsplash.jpg](https://static.wixstatic.com/media/721a0a_2f430f30fb464e8c94853bb14abbb226~mv2.jpg/v1/crop/x_0,y_1255,w_6419,h_1657/fill/w_113,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/kjell-jostein-sivertsen-zDkzLOy3EwY-unsplash.jpg)
Mini Mall Storage Properties Trust
Minimum Investment
Pending
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Target Return
Pending
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Mini Mall Storage Properties Trust through its investment in the Mini Mall Storage Properties Limited Partnership and the Mini Mall U.S. Storage Properties Master LP, provides investors with the opportunity to participate passively and indirectly in the consolidation of private self storage operations across Canada and the United States.(1)
Offline : Data review & update to investment offering
![adam-winger-OpV94f2edwE-unsplash.jpg](https://static.wixstatic.com/media/721a0a_e958ed93dd554a3fb96fe0cce339dabf~mv2.jpg/v1/crop/x_0,y_454,w_4032,h_1040/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/adam-winger-OpV94f2edwE-unsplash.jpg)
Northrock Global Opportunities Fund
Minimum Investment
Pending
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Target Return
Pending
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Northrock Global Opportunity Fund is a diversified, non-real estate focused, private markets fund. The investment objective of the Global Opportunity Fund is to generate medium to long-term capital growth through direct and indirect diversified holdings of investment in alternative assets through the Partnership. (17)
Offline : Data review & update to investment offering
![Mountain Landscape](https://static.wixstatic.com/media/0bb83114d47e4ca0a9fa5a9ea6a16530.jpg/v1/crop/x_0,y_1321,w_4442,h_1148/fill/w_114,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/Mountain%20Landscape.jpg)
Triumph Real Estate Investment Fund
Minimum Investment
Pending
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Targeted Annual Distribution
Pending
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Triumph Real Estate Investment Fund is a private real estate investment trust that specializes in acquiring multi-tenant office, industrial or retail properties located in the provinces of Alberta, Saskatchewan, and Ontario and in the states of Arizona, California, Colorado, and Texas. (14)
Offline : Data review & update to investment offering
![baptiste-buisson-oUV7dlmXKms-unsplash.jpg](https://static.wixstatic.com/media/721a0a_c800b7de8b554302bf628b5d4f8c5485~mv2.jpg/v1/crop/x_0,y_169,w_6000,h_1550/fill/w_113,h_29,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/baptiste-buisson-oUV7dlmXKms-unsplash.jpg)
RISK FACTORS
Investment in securities of the Fund involves a degree of risk and is suitable only for investors who can withstand the loss of their investment. No assurance, representation, or warranty can be given that the Fund’s investment objectives will be achieved or that investors will receive a return of their invested capital.
*Refer to Offering documents for full details.
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You should always check with your Exempt Market Dealing Representative or Portfolio Manager before investing to ensure the investment is suitable for you, and in alignment with your financial goals and objectives.
The material in this document is intended as general information only, and should not be construed as offering specific tax, legal, financial or investment advice. Every effort has been made to ensure that the material is correct at time of publication, but we cannot guarantee its accuracy or completeness. Interest rates, market conditions, tax rulings and other investment factors are subject to rapid change. You should consult with your dealing representative, accountant and/or legal advisor before taking any action based upon the information contained in this document.
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Mini Mall Storage Properties Trust Fact Sheet 20240103IG, 20240103IH
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ICM Crescendo Music Royalty Fund Fact Sheet 20240618IA
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ICM Property Partners Trust Fact Sheet 20240625IA
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Avenue Living Core Trust Fund Facts Class D 20240417IA, Avenue Living Core Trust Fund Facts Class D-U 20240417IB
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Centurion APARTMENT REAL ESTATE INVESTMENT TRUST Fact Sheet 20240618IC
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Durum INDUSTRIAL REIT Fact Sheet 20230726IA
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Equiton Residential Income Fund Trust Fact Sheet 20231109IA
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Invico Diversified Income Fund Fact Sheet 20240607IA, 20240607IB
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Lynx Equity Income Trust Fund Fact 20240109IA
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Newlook Capital Dental Services Trust Fact Sheet 20230808IC
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Newlook Capital IISF III Fact Sheet 20240710IA
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Pier 4 Real Fund Facts Class A 20240514IA, Pier 4 Fund Facts Class C 20240514IB
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Pinnacle Lifestyles Fund III Incorporated Teaser 20231204IA
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Triumph Real Estate Investment Fund Offering Summary 20230921IE
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Pulis Real Estate LP2 Fund Fact 20240715IA
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Tract Farmland Partners LP Fund Fact 20240408IA
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Northrock Fund Teaser 20240209IA
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Henley Properties II LP Fund Facts 20240419IA, Henley Properties II LP Investment Summary 20240419IB
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Maple Leaf 2024 Fund Facts - Quebec Class 20240509IB
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Maple Leaf 2024 Fund Facts - National Class 20240509IA
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Marquest Mining Quebec 2024 - Term Sheet - 20240523IA
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Pinnacle Lifestyles Fund II Teaser 20240624IA