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Share Name | Share Symbol | Market | Type |
---|---|---|---|
iSign Solutions Inc (CE) | USOTC:ISGN | OTCMarkets | Common Stock |
Price Change | % Change | Share Price | Bid Price | Offer Price | High Price | Low Price | Open Price | Shares Traded | Last Trade | |
---|---|---|---|---|---|---|---|---|---|---|
0.00 | 0.00% | 0.10 | 0.00 | 01:00:00 |
DELAWARE GROUP ® TAX-FREE FUND
Delaware Tax-Free USA Fund (the Fund)
Supplement to the Funds Class
A, Class B, Class C, and Institutional Class
Summary Prospectus dated
December 28, 2012
The following replaces the information in the section entitled, What are the Funds fees and expenses?.
What are the Funds fees and expenses?
The following table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. You may qualify for sales-charge discounts if you and your family invest, or agree to invest in the future, at least $100,000 in Delaware Investments ® Funds. More information about these and other discounts is available from your financial advisor, in the Funds prospectus under the section entitled About your account, and in the Funds statement of additional information under the section entitled Purchasing shares.
Shareholder fees (fees paid directly from your investment)
Class | A | B | C | Inst. | ||||
Maximum sales charge (load) imposed on purchases as a | ||||||||
percentage of offering price | 4.50% | none | none | none | ||||
Maximum contingent deferred sales charge (load) as a percentage | ||||||||
of original purchase price or redemption price, whichever is lower | none | 4.00% 1 | 1.00% | none |
Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)
Class | A | B | C | Inst. | ||||
Management fees | 0.54% | 0.54% | 0.54% | 0.54% | ||||
Distribution and service (12b-1) fees | 0.24% | 1.00% | 1.00% | none | ||||
Other expenses | 0.15% | 0.15% | 0.15% | 0.15% | ||||
Total annual fund operating expenses | 0.93% | 1.69% | 1.69% | 0.69% | ||||
Fee waivers and expense reimbursements | (0.13%) 2 | (0.88%) 2 | (0.13%) 2 | (0.13%) 2 | ||||
Total annual fund operating expenses after fee waivers and | ||||||||
expense reimbursements | 0.80% | 0.81% | 1.56% | 0.56% |
1 | If you redeem Class B shares during the first year after you bought them, you will pay a contingent deferred sales charge (CDSC) of 4.00%, which declines to 3.00% during the second year, 2.25% during the third year, 1.50% during the fourth and fifth years, 1.00% during the sixth year, and 0% thereafter. Class C shares redeemed within one year of purchase are subject to a 1.00% CDSC. | |
2 | The Funds investment manager, Delaware Management Company (Manager), has contractually agreed to waive all or a portion of its investment advisory fees and/or pay/reimburse expenses (excluding any 12b-1 plan, taxes, interest, inverse floater program expenses, short sale and dividend interest expenses, brokerage fees, certain insurance costs, acquired fund fees and expenses, and nonroutine expenses or costs, including, but not limited to, those relating to reorganizations, litigation, conducting shareholder meetings, and liquidations) in order to prevent annual fund operating expenses from exceeding, in an aggregate amount, 0.56% of the Funds average daily net assets from December 28, 2012 through December 27, 2013. The Funds distributor, Delaware Distributors, L.P. (Distributor), has contracted to limit the Funds Class B shares 12b-1 fee to no more than 0.25% of average daily net assets from May 1, 2013 through April 30, 2014. These waivers and reimbursements may only be terminated by agreement of the Manager and the Distributor, as applicable, and the Fund. Additionally, the Funds Class A shares are subject to a blended 12b-1 fee of 0.10% on all shares acquired prior to June 1, 1992 and 0.25% on all shares acquired on or after June 1, 1992. |
Example
This example is intended to help you compare the cost of investing in the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all of your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and reflects the Managers expense waivers and reimbursements for the 1-year contractual period and the total operating expenses without waivers for years 2 through 10. Although your actual costs may be higher or lower, based on these assumptions your costs would be:
(if not | (if not | |||||||||||
redeemed) | redeemed) | |||||||||||
Class | A | B | B | C | C | Inst. | ||||||
1 year | $528 | $83 | $483 | $159 | $259 | $57 | ||||||
3 years | $721 | $447 | $672 | $520 | $520 | $208 | ||||||
5 years | $929 | $835 | $985 | $906 | $906 | $371 | ||||||
10 years | $1,530 | $1,721 | $1,721 | $1,987 | $1,987 | $846 |
Investments in the Fund are not and will not be deposits with or liabilities of Macquarie Bank Limited ABN 46 008 583 542 and its holding companies, including their subsidiaries or related companies (the Macquarie Group), and are subject to investment risk, including possible delays in repayment and loss of income and capital invested. No Macquarie Group company guarantees or will guarantee the performance of the Fund, the repayment of capital from the Fund, or any particular rate of return.
Please keep this Supplement for future reference.
This Supplement is dated November 1, 2013.
1 Year iSign Solutions (CE) Chart |
1 Month iSign Solutions (CE) Chart |
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