“Real integrity is doing the right thing, knowing that nobody's going to know whether you did it or not.”   - Oprah Winfrey	Performance Summary Account Type For You Order Utopia Funds Investor Kit Prospectus - PDF SAI - PDF Fund Transactions

We are guided by Principles
Principles are sacred foundations of our performance and success here at Utopia Funds. In doing what is right for our shareholders, our employees, our business partners, and our society, we are guided by  the following principles in all  our managerial decisions:

We are guided by an Active Management Approach
The global investment world is very dynamic.  As a result, our way of managing must also be dynamic.  Highly skilled, active portfolio management is doing what is best for our shareholders.  The management team of Utopia Funds combines highly skilled portfolio managers and traders, cutting edge technology, and a “whole-brained” down-to-earth management philosophy characterized by flexibility, comprehensive analysis, and discipline.  As active managers, we:

• perform our own investment research & use reliable third party sources
• travel globally to visit prospective and invested companies
• spend time interviewing management teams
• attend numerous conferences
• crunch piles of numbers

We apply fundamental, behavioral, and technical analysis in a diligent forward-looking process involving global economics, industry, and business. As a result of our structure and managing for consistent ongoing absolute total returns, we do not place geographic, sector, asset class, or relative benchmark constraints on our portfolio management team. 

We are guided by Experience & Education
As stewards entrusted with your valued assets, our Fund Advisors have decades of proven performance, proven philosophies, and a seasoned investment management team.  In managing your Utopia assets for long-term preservation, growth, and compounding, we combine the following:

• Over 30 years investment management experience
• advanced on-going educational training
• global perspective
• diverse skill sets
• state of the art resources
• extensive research
• proper temperament

We are guided by Patience and Perseverance
Investing success comes from maintaining a long-term horizon, allowing funds to compound, and avoiding of market mania. Market mania can be caused by rapid changes in investor psychology due to real or perceived economic, societal, or world events. All markets are cyclical and as a result, asset prices move above and below their fair or intrinsic values over time. Our “price matters” philosophy (see below) and focus on risk-adjusted bargains, better positions us to capitalize on market swings.

We are guided by “Price Matters” Strategy
Successful investors avoid (or sell) overvalued assets and buy undervalued assets.  Purchasing undervalued assets provides you with a margin of safety.  In accord with our “price matters” strategy, we continually review each portfolio investment by asking the following questions and make adjustments as needed:

• Is this investment still a risk-adjusted bargain?
• Is there a better alternative to this investment?
• Will this investment perform its job in the future?
• Is this currently the best investment for our shareholders?

We are guided by providing Great Investor Value
The Utopia Funds are available to all investors at the same cost.  All Utopia Funds investors, large and small, are charged the same flat fee for our portfolio management and there is only one share (price) class available.  You will not incur the following costs common to many other investments and mutual fund families:    

• No loads or sales commission fees
• No 12(b)-1 fees
• No redemption fees
• No exchange fees
• No directed commission deals
• No special deals for large or sophisticated investors

Additionally, we work diligently to minimize the costs associated with investing and strive to achieve substantially discounted commissions, allocating trades to specialized brokers, and being sensitive to all expenses.

We are guided by Proper Diversification
We use diversification in varying degrees among asset classes; within asset classes; through management style; through utilization of information from outside advisors and consultants; and through exploring investment opportunities worldwide. 

We are guided by Our Passion
We believe the Advisor and Managers of Utopia Funds must manage, enjoy the process of management, and have passion and commitment for the investment management business.  We do, and we believe it shows.