|
ARROW DWA TACTICAL
FUND
CLASS A SHARES: DWTFX
CLASS C SHARES: DWTTX
CLASS I SHARES: DWTNX
1-877-ARROW-FD
(1-877-277-6933)
www.ArrowFunds.com
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Summary Prospectus
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December 1, 2019
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Before you invest, you may want to review the
Fund’s prospectus, which contains more information about the Fund and its risks. The Fund’s prospectus and Statement
of Additional Information dated December 1, 2019, are incorporated by reference into this Summary Prospectus. You can obtain these
documents and other information about the Fund online at www.ArrowFunds.com. You can also obtain these documents at no cost
by calling 1-877-277-6933 or by sending an email request to Info@arrowfunds.com. Shares of the Fund are listed and traded on The
New York Stock Exchange (the “Exchange”).
Beginning on January 1, 2021, as permitted
by regulations adopted by the Securities and Exchange Commission, paper copies of the Fund’s annual and semi-annual shareholder
reports will no longer be sent by mail, unless you specifically request paper copies of the reports. Instead, the reports will
be made available on the Fund’s website www.ArrowFunds.com, and you will be notified by mail each time a report is
posted and provided with a website link to access the report.
If you have already elected to receive shareholder
reports electronically, you will not be affected by this change and you need not take any action. You may elect to receive shareholder
reports and other communications from the Fund electronically anytime by contacting your financial intermediary (such as a broker-dealer
or bank) or, if you are a direct investor, by following the instructions included with paper Fund documents that have been mailed
to you. You may also elect to receive all future reports in paper free of charge.
Investment Objective: The Arrow DWA
Tactical Fund (the “Fund”) seeks to achieve long-term capital appreciation with capital preservation as a secondary
objective.
Fees and Expenses of the Fund: This
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 on purchases of Class A shares if you and your family invest, or agree to invest in the future, at least $25,000 in the
Fund. More information about these and other discounts is available from your financial professional and in Information About
Shares on page 39 and Appendix A of the Fund’s Prospectus.
Shareholder Fees
(fees paid directly from your investment)
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Class
A
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Class
C
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Institutional
Class
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Maximum Sales Charge (Load) Imposed on Purchases
(as a% of offering price)
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5.75%
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None
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None
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Maximum Deferred Sales Charge (Load)
(as a % of redemption proceeds)
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1.00%
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None
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None
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Redemption Fee
(as a % of amount redeemed, if shares are held less than 30 days)
|
1.00%
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1.00%
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1.00%
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Annual Fund Operating Expenses
(expenses that you pay each year
as a percentage of the value of your investment)
|
|
|
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Management Fees
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1.00%
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1.00%
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1.00%
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Distribution and/or Service (12b-1) Fees
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0.25%
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1.00%
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0.00%
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Other Expenses
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0.36%
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0.36%
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0.36%
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Acquired Fund Fees and Expenses(1)
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0.23%
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0.23%
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0.23%
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Total Annual Fund Operating Expenses
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1.84%
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2.59%
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1.59%
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(1)
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Acquired Fund Fees and Expenses are the indirect costs of investing in other
investment companies. The operating expenses in this fee table will not correlate to the expense ratio in the Fund’s financial
highlights because the financial statements include only the direct operating expenses incurred by the Fund, not the indirect costs
of investing in other investment companies.
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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. This 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. This
Example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses remain the same.
Although your actual costs may be higher or lower, based upon these assumptions your costs would be:
|
1 Year
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3 Years
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5 Years
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10 Years
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Class A
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$751
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$1,120
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$1,513
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$2,609
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Class C
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$262
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$805
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$1,375
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$2,925
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Institutional Class
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$162
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$502
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$866
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$1,889
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Portfolio Turnover: The Fund pays transaction
costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover
may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs,
which are not reflected in annual fund operating expenses or in the Example, affect the Fund’s performance. During the most
recent fiscal year, the Fund’s portfolio turnover rate was 183% of the average value of its portfolio.
Principal Investment Strategies: The
Fund primarily invests, either directly or indirectly through investments in exchange traded funds (“ETFs”) and other
investment companies (including affiliated funds), in (i) equity securities, (ii) fixed income securities, or (iii) alternative
assets. The Fund defines equity securities to include common and preferred stocks; and defines fixed income securities to include
bonds, notes and debentures; and defines alternative assets to include currency, options on currency, equity and commodity futures,
commodities, master limited partnerships (“MLPs”) and real estate-related securities. When appropriate, Arrow Investment
Advisors, LLC (the “Advisor”), the Fund’s investment advisor may elect to invest in the underlying securities
of a particular ETF. The Fund may invest up to 25% of its total assets in a wholly-owned and controlled subsidiary (the “DWA
Tactical Subsidiary”). The DWA Tactical Subsidiary will invest primarily in long commodity futures and options, as well as
fixed income securities and other investments intended to serve as margin or collateral for the DWA Tactical Subsidiary’s
derivative positions. When viewed on a consolidated basis, the DWA Tactical Subsidiary is subject to the same investment restrictions
as the Fund. The Fund will consolidate the DWA Tactical Subsidiary for purposes of financial statements, leverage and concentration.
Under normal circumstances, the Fund will invest:
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·
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From 0% to 100% of its assets in domestic and international (including
emerging markets) equity securities;
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·
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From 0% to 100% of its assets in fixed income securities of any maturity
and credit quality; and
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From 0% up to 90% of its assets in alternative assets, including
through the DWA Tactical Subsidiary.
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The Advisor allocates the Fund’s portfolio
using research from Dorsey Wright & Associates (“DWA”), which comes from the DWA Global Macro investment model
(the “DWA Global Macro model”), as well as the Advisor’s proprietary methodology. The DWA Global Macro model
is based on a technical analysis of historical price and return forecasts. Technical analysis is the method of evaluating securities
by analyzing statistics generated by market activity, such as past prices and trading volume, in an effort to determine probable
future prices. The Advisor buys securities and derivatives that it believes will produce returns that are highly correlated to
the returns of the components of the DWA Global Macro model. The Advisor sells securities and derivatives to purchase other securities
and derivatives that it believes will have higher returns or more closely correlate to the returns of the components of the DWA
Global Macro model. The Fund invests in securities without restriction as to capitalization, credit quality or country.
The Fund will invest within specific market
segments when the research indicates a high probability that the applicable market segments are likely to outperform the applicable
universe. The Fund will sell interests or reduce investment exposure among a market segment when the research indicates that such
markets are likely to underperform the applicable universe. The Fund may invest heavily in fixed-income securities, cash positions
and similar securities when the research indicates these assets should significantly outperform the equity and/or alternative market
segments. The Fund’s fixed income securities may be rated below investment grade (rated BB+ or lower by S&P or comparably
rated by another nationally recognized statistical rating organization (“NRSRO”)), also known as “high-yield”
or “junk” bonds, and in unrated debt securities determined by the Advisor to be of comparable quality. The alternative
asset market segment refers to investments that are historically non-correlated to either equity or fixed income investments such
as commodities, MLPs or real estate. In order to gain inverse exposure to the equity markets, the Fund may use the derivatives
and futures described above. The Fund also may use currency futures.
In general, the Fund’s investments in
equity securities are intended to achieve the capital appreciation component of the Fund’s investment objectives. At times,
the Fund invests in fixed income securities in order to achieve the capital preservation component of the Fund’s investment
objectives. The Fund’s investments in alternative assets are intended to enable the portfolio to be less reliant on fixed
income investments for reducing volatility and equities for increasing returns. The Advisor may engage in frequent buying and selling
of portfolio securities to achieve the Fund’s investment objectives.
Principal Investment Risks: As with
all mutual funds, there is the risk that you could lose money through your investment in the Fund. The Fund is not intended to
be a complete investment program. Many factors affect the Fund’s net asset value and performance.
The following risks apply to the Fund through
its direct investments as well as indirectly through investments in ETFs and the DWA Tactical Subsidiary.
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·
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Affiliated Investment Company Risk. The Fund invests in affiliated
underlying funds (the “Arrow Advised Funds”), unaffiliated underlying funds, or a combination of both. The Advisor,
therefore, is subject to conflicts of interest in allocating the Fund’s assets among the underlying funds. The Advisor will
receive more revenue to the extent it selects an Arrow Advised Fund rather than an unaffiliated fund for inclusion in the Fund’s
portfolio. In addition, the Advisor may have an incentive to allocate the Fund’s assets to those Arrow Advised Funds for
which the net advisory fees payable to the Advisor are higher than the fees payable by other Arrow Advised Funds. The Arrow Advised
Funds in which the Fund may invest are not money market funds and are more risky than a money market fund.
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Commodity Risk. ETFs investing in the commodities markets
and investments in the DWA Tactical Subsidiary may subject the Fund to greater volatility than investments in traditional securities.
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Credit Risk. There is a risk that issuers and counterparties
will not make payments on securities and other investments held by the Fund directly or through an ETF, resulting in losses to
the Fund. In addition, the credit quality of securities held by the Fund may be lowered if an issuer’s financial condition
changes. Lower credit quality may lead to greater volatility in the price of a security and in shares of the Fund. Lower credit
quality also may affect liquidity and make it difficult for the Fund to sell the security. The Fund may invest, directly or indirectly,
in “junk bonds.” Such securities are speculative investments that carry greater risks than higher quality debt securities.
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Emerging Markets Risk. Investing in emerging market securities
imposes risks different from, or greater than, risks of investing in foreign developed countries. These risks include: smaller
market capitalization of securities markets, which may suffer periods of relative illiquidity; significant price volatility; restrictions
on foreign investment; possible repatriation of investment income and capital. In addition, foreign investors may be required to
register the proceeds of sales; future economic or political crises could lead to price controls, forced mergers, expropriation
or confiscatory taxation, seizure, nationalization, or creation of government monopolies. The currencies of emerging market countries
may experience significant declines against the U.S. dollar, and devaluation may occur subsequent to investments in these currencies
by a Fund. Inflation and rapid fluctuations in inflation rates have had, and may continue to have, negative effects on the economies
and securities markets of certain emerging market countries.
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ETF Risk. ETFs are subject to investment advisory and other
expenses, which will be indirectly paid by the Fund. As a result, the cost of investing in the Fund will be higher than the cost
of investing directly in ETFs and may be higher than other mutual funds that invest directly in stocks and bonds. The ETFs in which
the Fund invests will not be able to replicate exactly the performance of the indices they track and the market value of ETF shares
may differ from their net asset value. Each ETF is subject to specific risks, depending on the nature of the ETF and ETFs that
invest in the “Alternative Asset” market segment may be more volatile than other Fund investments.
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Fixed Income Risk. When the Fund invests in ETFs that own
bonds, or in this type of security directly, the value of your investment in the Fund will fluctuate with changes in interest rates.
Typically, a rise in interest rates causes a decline in the value of bond funds owned by the Fund. On the other hand, if rates
fall, the value of the fixed income securities generally increases. Your investment will decline in value if the value of the Fund’s
investments decreases.
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Foreign Investment Risk. Although the Fund will not invest
in the securities of foreign companies directly other than the DWA Tactical Subsidiary, it may invest in ETFs that invest in foreign
international equity securities. Foreign investing involves risks not typically associated with U.S. investments, including adverse
fluctuations in foreign currency values, adverse political, social and economic developments, less liquidity, greater volatility,
less developed or less efficient trading markets, political instability and differing auditing and legal standards. Investing in
emerging markets imposes risks different from, or greater than, risks of investing in foreign developed countries.
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Futures Risk. The Fund’s use of futures involves risks
different from, or possibly greater than, the risks associated with investing directly in securities and other traditional investments.
These risks include (i) leverage risk (ii) risk of mispricing or improper valuation; and (iii) the risk that changes in the value
of the futures contract may not correlate perfectly with the underlying index. Investments in futures involve leverage, which means
a small percentage of assets invested in futures can have a disproportionately large impact on the Fund. This risk could cause
the Fund to lose more than the principal amount invested. Futures contracts may become mispriced or improperly valued when compared
to the Advisor’s expectation and may not produce the desired investment results. Additionally, changes in the value of futures
contracts may not track or correlate perfectly with the underlying index because of temporary, or even long-term, supply and demand
imbalances and because futures do not pay dividends unlike the stocks upon which they are based.
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Issuer-Specific Risk. The value of a specific security or
ETF can be more volatile than the market as a whole and can perform differently from the value of the market as a whole. The value
of securities of smaller issuers can be more volatile than that of larger issuers. The value of certain types of securities can
be more volatile due to increased sensitivity to adverse issuer, political, regulatory, market, or economic developments.
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Junk Bond Risk. Lower-quality bonds, known as “high
yield” or “junk” bonds, present greater risk than bonds of higher quality, including an increased risk of default.
An economic downturn or period of rising interest rates could adversely affect the market for these bonds and reduce the Fund’s
ability to sell its bonds. The lack of a liquid market for these bonds could decrease the Fund’s share price.
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Leverage Risk. Using derivatives to increase the Fund’s
exposure creates leverage, which can magnify the Fund’s potential for gain or loss and, therefore, amplify the effects of
market volatility on the Fund’s share price.
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Management Risk. The Advisor’s investment decisions
about individual securities and derivatives as well as ETFs impact the Fund’s ability to achieve its investment objective.
The Advisor’s judgments about the attractiveness and potential appreciation of particular investments in which the Fund invests
may prove to be incorrect and there is no guarantee that the Advisor’s investment strategy will produce the desired results.
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Market Risk. Overall stock market risks may affect the value
of individual securities, derivatives and ETFs in which the Fund invests. Factors such as domestic economic growth and market conditions,
interest rate levels, and political events affect the securities markets. When the value of the Fund’s investments goes down,
your investment in the Fund decreases in value and you could lose money.
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MLP Risk. Investments in MLPs and MLP-related securities involve
risks different from those of investing in common stock including risks related to limited control and limited rights to vote on
matters affecting the MLP or MLP-related security, risks related to potential conflicts of interest between an MLP and the MLP’s
general partner, cash flow risks, dilution risks and risks related to the general partner’s limited call right. MLPs and
MLP-related securities are generally considered interest-rate sensitive investments. During periods of interest rate volatility,
these investments may not provide attractive returns. Depending on the state of interest rates in general, the use of MLPs or MLP-related
securities could enhance or harm the overall performance of the Fund.
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o
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MLP Tax Risk. MLPs, typically, do not pay U.S. federal income
tax at the partnership level. Instead, each partner is allocated a share of the partnership’s income, gains, losses, deductions
and expenses. A change in current tax law or in the underlying business mix of a given MLP could result in an MLP being treated
as a corporation for U.S. federal income tax purposes, which would result in such MLP being required to pay U.S. federal income
tax on its taxable income. The classification of an MLP as a corporation for U.S. federal income tax purposes would have the effect
of reducing the amount of cash available for distribution by the MLP. Thus, if any of the MLPs owned by the Fund were treated as
corporations for U.S. federal income tax purposes, it could result in a reduction of the value of your investment in the Fund and
lower income, as compared to an MLP that is not taxed as a corporation.
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Options Risk. There are risks associated with the sale and
purchase of options. As a seller (writer) of a put option, the Fund will tend to lose money if the value of the reference index
or security falls below the strike price. As the seller (writer) of a call option, the Fund will tend to lose money if the value
of the reference index or security rises above the strike price. As the buyer of a put or call option, the Fund risks losing the
entire premium invested in the option if the Fund does not exercise the option.
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Portfolio Turnover Risk. Portfolio turnover refers to the
rate at which the securities held by the Fund are replaced. The higher the rate, the higher the transactional and brokerage costs
associated with the turnover, which may reduce the Fund’s return unless the securities traded can be bought and sold without
corresponding commission costs. Active trading of securities may also increase a Fund’s realized capital gains or losses,
which may affect the taxes you pay as a Fund shareholder.
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Real Estate Risk. ETFs that invest in real estate are subject
to the risks associated with investing in real estate. The value of these securities will rise and fall in response to many factors,
including economic conditions, the demand for rental property and changes in interest rates.
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Regulatory Risk. Regulatory authorities in the United States or other countries may
restrict the ability of the Fund to fully implement its strategy, either generally, or with respect to certain securities, industries
or countries, which may impact the Fund’s ability to fully implement its investment strategies.
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Sector Risk. The Fund may focus its investments in securities
of a particular sector or in ETFs that focus investments in securities of a particular sector. Economic, legislative or regulatory
developments may occur, which significantly affect the entire sector. This may cause the Fund’s net asset value to fluctuate
more than that of a fund that does not focus in a particular sector.
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Small and Medium Capitalization Stock Risk. The value of small
or medium capitalization company stocks or ETFs that invests in stocks of small and medium capitalization companies may be subject
to more abrupt or erratic market movements than those of larger, more established companies or the market averages in general.
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Swaps Risk. Swaps are subject to tracking risk because they
may not be perfect substitutes for the instruments they are intended to hedge or replace. Over the counter swaps are subject to
counterparty default. Leverage inherent in derivatives will tend to magnify the Fund’s losses. The Fund is also subject to
credit risk on the amount the Fund expects to receive from swap agreement counterparties. If a swap counterparty defaults on its
payment obligations to the Fund, this default will cause the value of your investment in the Fund to decrease.
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Taxation Risk. By investing in commodities indirectly through
the DWA Tactical Subsidiary, the Fund will obtain exposure to the commodities markets within the federal tax requirements that
apply to the Fund. However, because the DWA Tactical Subsidiary is a controlled foreign corporation, any income received from the
DWA Tactical Subsidiary will be passed through to the Fund as ordinary income, which may be taxed at less favorable rates than
capital gains.
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Wholly-Owned Subsidiary Risk. The DWA Tactical Subsidiary
will not be registered under the Investment Company Act of 1940 (“1940 Act”) and, unless otherwise noted in this Prospectus,
will not be subject to all of the investor protections of the 1940 Act. Changes in the laws of the United States and/or the Cayman
Islands, under which the Fund and DWA Tactical Subsidiary, respectively, are organized, could result in the inability of the Fund
and/or DWA Tactical Subsidiary to operate as described in this Prospectus and could negatively affect the Fund and its shareholders.
Your cost of investing in the Fund will be higher because you indirectly bear the expenses of the DWA Tactical Subsidiary.
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Performance: The bar chart and performance
table below show the variability of the Fund’s returns, which is some indication of the risks of investing in the Fund. The
bar chart shows performance of the Fund’s Class A shares for the past ten calendar years. The performance table compares
the performance of the Fund’s Class A shares over time to the performance of a broad-based market index and supplementary
indexes. The Fund was reorganized on March 1, 2012 from a series of Northern Lights Fund Trust, a Delaware statutory trust, (the
“Predecessor Fund”) to a series of Arrow Investments Trust, a Delaware statutory trust (the “Reorganization”).
The Fund is a continuation of the Predecessor Fund and, therefore, the performance information includes performance of the Predecessor
Fund. You should be aware that the Fund’s past performance (before and after taxes) may not be an indication of how the Fund
will perform in the future. Although Class C shares (formerly known as Advisor Class shares) and Institutional Class shares would
have similar annual returns to Class A shares because the classes are invested in the same portfolio of securities, the returns
for Class C and Institutional Class shares would be different from Class A shares because Class C and Institutional Class shares
have different expenses than Class A shares. Updated performance information and daily net asset value per share information is
available at no cost by visiting www.ArrowFunds.com or by calling 1-877-277-6933 (1-877-ARROW-FD).
Class A Annual Total Return
(Years ended December 31):
Returns do not reflect sales charges and would
be lower if they did.
Best Quarter
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9/30/2009
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13.06%
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Worst Quarter
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12/31/2018
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(19.02)%
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The year-to-date return as of the most recent
calendar quarter, which ended September 30, 2019, was 14.29%
Average Annual Total Returns
(as of December 31, 2018)
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Inception
Date
|
One
Year
|
Five
Years
|
Ten
Years
|
Since
Inception
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Class A Return Before Taxes
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5/30/08
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(17.20)%
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0.26%
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5.75%
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1.29%
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Return after Taxes on Distributions
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(17.92)%
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(1.04)%
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4.84%
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0.47%
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Return after Taxes on Distributions
and Sale of Fund Shares
|
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(9.67)%
|
(0.04)%
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4.42%
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0.84%
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Class C Return Before Taxes
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5/30/08
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(12.81)%
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0.70%
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5.58%
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1.10%
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Institutional Class Shares Return Before Taxes
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3/21/12
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(11.91)%
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1.71%
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N/A
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5.18%
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S&P 500® Index
(reflects no deduction for fees, expenses or taxes)
|
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(4.38)%
|
8.49%
|
13.12%
|
7.94%1
11.24%2
|
Bloomberg Barclays US Aggregate Bond Index
(reflects no deduction for fees, expenses or taxes)
|
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0.01%
|
2.52%
|
3.48%
|
3.66%1
2.16%2
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Wilshire Liquid Alternative Global Macro Index (reflects no deduction for fees, expenses or taxes)
|
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(5.83)%
|
(0.11)%
|
0.30%
|
(0.76)%1
(0.15)%2
|
PCM Global Macro Index
(reflects no deduction for fees, expenses or taxes)
|
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(2.19)%
|
1.03%
|
3.33%
|
4.77%1
(0.17)%2
|
Morningstar Global Flexible Allocation EW Index
(reflects no deduction for fees, expenses or taxes)
|
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(7.32)%
|
1.37%
|
5.27%
|
1.69%1
2.67%2
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After-tax returns are calculated using the
highest historical individual federal marginal income tax rate and do not reflect the impact of state and local taxes. Actual after-tax
returns depend on a shareholder’s tax situation and may differ from those shown. After-tax returns for Class C and Institutional
Class shares will differ from those of Class A shares. The after-tax returns are not relevant if you hold your Fund shares in tax-deferred
arrangements, such as 401(k) plans or individual retirement accounts (“IRA”).
Investment Advisor: Arrow Investment
Advisors, LLC
Portfolio Managers: The following individuals
are primarily responsible for the day-to-day management of the Fund’s portfolio:
William E. Flaig, Jr.
Chief Investment Officer
Since September 2011
|
Joseph Barrato
Portfolio Manager
Since July 2014
|
Jonathan S. Guyer
Portfolio Manager
Since July 2014
|
Purchase and Sale of Fund Shares: The
minimum initial investment in Class A and Class C shares of the Fund is $5,000 ($2,000 for retirement accounts) and the minimum
subsequent investment is $250. The minimum subsequent investment in Class A and Class C shares may be waived upon request. The
minimum initial investment in Institutional Class shares of the Fund is $1,000,000. Subsequent investments in Institutional Class
shares may be made in any amount. You may purchase and redeem shares of the Fund on any day that the New York Stock Exchange is
open. Redemption requests may be made in writing, by telephone, online at www.ArrowFunds.com, or through a financial intermediary
and will be paid by check or wire transfer.
Tax
Information: Dividends and capital gain distributions you receive from the Fund, whether you reinvest your distributions in
additional Fund shares or receive them in cash, are taxable to you at either ordinary income or capital gains tax rates unless
you are investing through a tax-free plan. However, these dividend and capital gain distributions may be taxable upon their
eventual withdrawal from tax-deferred plans.
Payments to Broker-Dealers and Other Financial
Intermediaries: If you purchase the Fund through a broker-dealer or other financial intermediary (such as a bank), the Fund
and its related companies may pay the intermediary for the sale of Fund shares and related services. These payments may create
a conflict of interest by influencing the broker-dealer or other intermediary and your salesperson to recommend the Fund over another
investment. Ask your salesperson or visit your financial intermediary’s website for more information.
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