Navigator® Sentry Managed Volatility Fund


Navigate Equity Markets with a Targeted Hedge

The Sentry strategy seeks to hedge, or guard, the portfolio against significant market declines. It aims to offer continuous protection from significant market declines caused by unexpected occurrences such as natural disasters, terrorist attacks, or political events.

Constant Portfolio Protection

Goal: Ensure that losses are constrained to acceptable levels.

When Sentry is incorporated into a clients overall portfolio, the hedge is always in place. As a result, the portfolio may be protected from unexpected, potentially catastrophic declines.

Volatility Management

Goal: Provide a smoother ride and experience fewer ups and downs.

The strategy is designed to reduce the overall risk of the portfolio, enabling investors to enjoy the potentially rewarding returns of the equity markets with less risk. In an up market, the portfolio may exhibit underperformance. In a down market, the strategy is designed to provide protection.

Actively Managed Hedge

Goal: Guard against significant declines while limiting upside drag.

The allocation to Sentry is customized for each account in proportion to the stock allocation of the portfolio.

Portfolio Managers actively manage several hedging vehicles within the fund in an effort to lower portfolio risk while providing investors as much upside participation as possible.

Ticker/Cusip

Share Class Ticker Cusip
A share NVXAX 66538B644
I share NVXIX 66538B628
C share NVXCX 66538B636

Fund Information

Advisor:
Clark Capital Management Group, Inc.

Inception Date: 3/27/2014

Total Annual Fund Operating Expenses:

A shares I Shares C Share
2.32% 2.11% 3.07%

What You Pay Now:

A shares I Shares C Share
1.71% 1.46% 2.46%

"What you pay" reflects Clark Capital's decision to contractually limit expenses through 1/31/19.

Minimum Investment Amount:

A shares I Shares C Share
$5,000 $25,000 $5,000

Annual Trail Commission
(12b-1):

A shares
(5.50% Load)
I Shares C Share
0.25% None 1.00%

Transfer Agent: Gemini Fund Services LLC.

Distributor: Northern Lights Distributors LLC.

Custodian: BNY Mellon

Registered in all 50 States and DC & PR.

NSCC Participant Number: 5394
(Levels 0-4)


Disclaimer/Privacy Policy


Disclaimer

Important risk information. An investment in the Fund(s) is subject to risks, and you could lose money on your investment in the Fund(s). There can be no assurance that the Fund(s) will achieve its investment objective. Your investment in the Fund(s) is not a deposit in a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. The Fund(s) also has specific principal risks, which are described below. More detailed information regarding these risks can be found in the Fund’s prospectus. The principal risks of investing in the Navigator Tactical Fixed Income Fund include: Interest Rate Risk, High-Yield Bond Risk, Derivatives Risk, Credit Risk, Fixed Income Risk, Small and Mid-sized Company Risk, and Portfolio Selection Risk. Interest Rate Risk — The value of the Fund may fluctuate based on changes in interest rates and market conditions. As interest rates rise, the value of income producing instruments may decrease. This risk increases as the term of the note increases. High-Yield Bond Risk — Lower-quality bonds, known as high-yield bonds or “junk bonds,” present a significant risk for loss of principal and interest. These bonds offer the potential for higher return, but also involve greater risk than bonds of higher quality, including an increased possibility that the bond’s issuer, obligor or guarantor may not be able to make its payments of interest and principal (credit quality risk). Derivatives Risk — The Fund may execute an investment strategy or hedge by entering into derivative contracts such as futures, options and swaps, which can be riskier than traditional investments because they may involve leverage, be illiquid, suffer counterparty default and limit gains. Credit Risk — The issuer of a fixed income security may not be able to make interest or principal payments when due.

Generally, the lower the credit rating of a security, the greater the risk is that the issuer will default on its obligation. The Fund invests in exchange traded funds (ETFs) and performance is subject to underlying investment weightings which will vary. ETFs are subject to expenses, which will be indirectly paid by the fund. The cost of investing in a Fund that invests in ETFs will generally be higher than the cost of investing in a Fund that invests directly in individual stocks and bonds. Exchange traded notes (ETNs) are unsecured obligation of the issuer and are not secured debt. ETNs are riskier than ordinary unsecured debt securities and have no principal protection. ETNs include limited portfolio diversification, trade price fluctuations, uncertain principal repayment, and illiquidity. Investing in the ETNs is not equivalent to investing directly in an index or in any particular index components. The investor fee will reduce the amount of your return at maturity or on redemption, and as a result you may receive less than the principal amount of your investment at maturity or upon redemption of your ETNs even if the level of the relevant index has increased or decreased (as may be applicable to the particular series of ETNs). An investment in an ETNs may not be suitable for all investors.

Standard Deviation: A statistical measure of performance fluctuations-generally the higher the standard deviation, the greater the expected volatility of returns. Standard deviation, a historical measure, cannot be used to predict fund performance.

Correlation: A statistical measure of how two securities move in relation to each other.

Beta: Measures a fund’s sensitivity to market movements by comparing a fund’s excess return (over a benchmark) to the market’s excess return. By definition, the beta of the market is 1.00. For example, a beta that is lower than 1.00 would normally indicate that a fund’s excess return is expected to be above the market’s excess return in a down year and below in an up year. However, beta is a measure of historical volatility and cannot predict a fund’s actual volatility.

Before investing, carefully consider the Fund's investment objectives, risks, charges and expenses. Contact 800.766.2264 for a prospectus containing this and other information. Read it carefully.

Clark Capital Management Group, Inc. and Northern Lights Distributors, LLC are not affiliated.

The Fund’s primary benchmark is the Barclays U.S. Corporate High-Yield Index. The Barclays U.S. Corporate High-Yield Index measures the market of USD-denominated, non-investment grade, fixed-rate, taxable corporate bonds. Securities are classified as high yield if the middle rating of Moody’s, Fitch, and S&P is Ba1/BB+/BB+ or below, excluding emerging market debt. The Barclays U.S. Corporate High-Yield Index was created in 1986, with history backfilled to July 1, 1983, and rolls up into the Barclays U.S. Universal and Global High-Yield Indices. The Fund’s secondary benchmark is the Barclays U.S. Aggregate Bond Index. The Barclays U.S. Aggregate Bond Index covers investment grade bonds being traded in United States. It is an unmanaged market value-weighted index for U.S dollar denominated investment-grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities with maturities of at least one year. The Barclays U.S. Aggregate Index was created in 1986 with history backfilled to January 1, 1976.

The S&P 500 measures the performance of the 500 leading companies in leading industries of the U.S. economy, capturing 75% of U.S. equities. The S&P 500 is used because it is widely known and is generally representative of equities. Index returns reflect the reinvestment of income and other earnings, are provided to represent the investment environment shown, and are not covered by the report of independent verifiers.

VIX is a trademarked ticker symbol for the Chicago Board Options Exchange Market Volatility Index, a popular measure of the implied volatility of S&P 500 index options. Often referred to as the fear index or the fear gauge, it represents one measure of the market’s expectation of stock market volatility over the next 30 day period. Because the VIX is typically negatively correlated to the S&P 500 Index, it can provide diversification benefits when added to an equity portfolio. Like other indexes such as the S&P 500, investors cannot invest directly in the VIX; rather, they must invest in a strategy that seeks to track the VIX Index.


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