# EDGAR Filing Document

**Accession Number:** 0001039667
**File Stem:** 0001580642-26-002858
**Filing Date:** 2026-5
**Character Count:** 27628
**Document Hash:** 6c07625cd1ff5c63bc81a2babf044a91
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001580642-26-002858.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001580642-26-002858

**CONFORMED SUBMISSION TYPE**: 497K

**PUBLIC DOCUMENT COUNT**: 3

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SPIRIT OF AMERICA INVESTMENT FUND INC
- **CENTRAL INDEX KEY:** 0001039667

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497K
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-27925
- **FILM NUMBER:** 26933678

**BUSINESS ADDRESS:**
- **STREET 1:** 477 JERICHO TURNPIKE
- **CITY:** SYOSSET
- **STATE:** NY
- **ZIP:** 11791
- **BUSINESS PHONE:** 5163905555

**MAIL ADDRESS:**
- **STREET 1:** 477 JERICHO TURNPIKE
- **CITY:** SYOSSET
- **STATE:** NY
- **ZIP:** 11791

## Series and Classes Contracts Data

### Spirit of America Income Fund (Series ID: S000024753)

| Class ID   | Class Name           | Ticker Symbol   |
|:---|:---|:---|
| C000073513 | Class A              | SOAIX           |
| C000167229 | Class C              | SACTX           |
| C000219380 | Institutional Shares | SOITX           |

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| |
|:---|
| **Spirit of America** |
| INCOME FUND |

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Summary Prospectus \| April 30, 2026 Class A Shares Ticker: SOAIX <br> Class C Shares Ticker: SACTX <br>   <u>Institutional Shares Ticker: SOITX</u>

Before you invest, you may want to review the Spirit of America Income Fund's (the "Income Fund" or the "Fund") prospectus, which contains more information about the Fund and its risks. You can find the Fund's prospectus and other information about the Fund, including the Statement of Additional Information ("SAI") and most recent reports to shareholders, online at <u>www.SOAFunds.com</u>. You can also get this information at no cost by calling (800) 452-4892 or by sending an e-mail request to info@soafunds.com. The Income Fund's prospectus and Statement of Additional Information, both dated April 30, 2026, and most recent report to shareholders, dated December 31, 2025, are all incorporated by reference into this Summary Prospectus.

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**Investment Objective:**

The Income Fund seeks to provide high current income.

**Fees and Expenses of the Income Fund:**

This table describes the fees and expenses that you may pay if you buy, hold and sell shares of the Income Fund. **You may pay other fees, such as brokerage commissions and other fees to financial intermediaries, which are not reflected in the tables and example below.** The sales charge you pay for Class A Shares of the Income Fund depends upon the dollar amount invested. You may qualify for sales charge discounts if you invest at least $250,000 in the funds comprising the Spirit of America Investment Funds, Inc., which include the Spirit of America Real Estate Growth and Income Fund, the Spirit of America Large Cap Value Fund, the Spirit of America Municipal Tax Free Bond Fund, the Spirit of America Income Fund, the Spirit of America Utilities Fund and the Spirit of America Energy Fund, collectively referred to as the "Spirit of America Investment Funds." (In addition, the Spirit of America Energy Fund, which is offered in a separate prospectus, offers sales charge discounts if you invest at least $25,000 in that fund.) More information about these and other discounts is available from your financial

professional and in the sections titled "Additional Information About How to Purchase Shares" and "Distribution Arrangements – Sale of Class A Shares" of the Income Fund's prospectus and in the section titled "How to Purchase Shares" of the Income Fund's Statement of Additional Information ("SAI").

**Shareholder Fees**

(fees paid directly from your investment)

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| | | | |
|:---|:---|:---|:---|
|  | **Class A**<br>**Shares** | **Class C**<br>**Shares** | **Institutional**<br>**Shares** |
| Maximum Sales Charge (Load) Imposed on Purchases <br> (as a percentage of offering price) | 4.75% |  |  |
| Maximum Deferred Sales Charge (Load)<sup>(1)</sup><br> (as a percentage of net asset value) | 1.00% | 1.00% |  |
| Redemption Fee <br> (as a percentage of amount redeemed, if applicable) |  |  |  |

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|:---|:---|
| ![(SOA LOGO)](sp001_v1.jpg) | Income Fund \| www.soafunds.com |

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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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| | | | |
|:---|:---|:---|:---|
|  | **Class A**<br>**Shares** | **Class C**<br>**Shares** | **Institutional**<br>**Shares** |
| Management Fees | 0.60% | 0.60% | 0.60% |
| Distribution (12b-1) Fees | 0.25% | 1.00% | 0.00% |
| Other Expenses | 0.49% | 0.49% | 0.49% |
| Total Annual Fund Operating Expenses | 1.34% | 2.09% | 1.09% |
| Fee Waiver and/or Expense Reimbursements<sup>(2)</sup> | (0.20)% | (0.20)% | (0.19)% |
| Total Annual Fund Operating Expenses After Fee Waiver and/or Expense Reimbursement<sup>(2)</sup> | 1.14% | 1.89% | 0.90% |

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(1) A
 Contingent Deferred Sales Charge ("CDSC") of 1.00% may be imposed on redemptions
 of Class A Shares that were purchased within one year of the redemption date where an indirect
 commission was paid. CDSC on Class C Shares applies to shares sold within 13 months of purchase.

(2) Spirit
 of America Management Corp. (the "Adviser") has contractually agreed to waive
 advisory fees and/or reimburse expenses under an Operating Expenses Agreement so that the
 total operating expenses will not exceed 1.10%, 1.85% and 0.85% of the Class A Shares, Class
 C Shares and Institutional Shares average daily net assets, respectively, through April 30,
 2027. The waiver does not include front end or contingent deferred loads, taxes, interest,
 dividend expenses, brokerage commissions, acquired fund fees and expenses, or expenses incurred
 in connection with any merger, reorganization, or extraordinary expenses such as litigation.
 Any amounts waived or reimbursed by the Adviser are subject to reimbursement by the Fund
 within the following three years, provided the Fund is able to make such reimbursement and
 remain in compliance with the expense limitations stated above. The Operating Expenses Agreement
 may be terminated at any time, by the Board of Directors, on behalf of the Fund, upon sixty
 days written notice to the Adviser.

**Example** **:**

This Example is intended to help you compare the cost of investing in the Income Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Income Fund for the time periods indicated and that you sell your shares at the end of those periods. The example also assumes that each year your investment has a 5% return, Fund operating expenses remain the same and the expense waiver/reimbursement remains in place for only the first year. Although your actual costs and returns might be different, your approximate costs of investing $10,000 in the Income Fund would be:

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| Class A Shares | $586 | $861 | $1156 | $1994 |
| Class C Shares — no redemption | $192 | $636 | $1105 | $2405 |
| Class C Shares — with redemption | $292 | $636 | $1105 | $2405 |
| Institutional Shares | $92 | $328 | $582 | $1312 |

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**Portfolio Turnover:**

The Income Fund pays transaction costs, such as commissions, when it buys and sells securities (or "turns over" its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Income 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 Income Fund's performance. During the most recent fiscal year ended December 31, 2025, the Income Fund's portfolio turnover rate was 0% of the average value of its portfolio.

**Principal Investment Strategies:**

The Income Fund seeks to achieve its investment objective by investing, under normal circumstances, at least 80% of its assets in a portfolio of taxable municipal bonds, income producing convertible securities, preferred stocks, high yield U.S. corporate bonds (i.e., "junk bonds"), and collateralized mortgage obligations ("CMOs"). A CMO is a mortgage-backed bond that separates mortgage pools into different maturity classes. Payments of principal and interest are passed through to each bond issue at varying schedules resulting in bonds with different coupons, effective maturities and sensitivities to interest rates. CMOs issued by U.S. government agencies are backed by agency mortgages, while privately issued CMOs may be backed by either government agency mortgages or private mortgages. The Income Fund may also invest in U.S. government agency securities issued or guaranteed by U.S. government-sponsored enterprises and federal agencies, including securities issued by the Federal National Mortgage Association ("FNMA"), the Federal Home Loan Mortgage Corporation ("FHLMC"), and the Government National Mortgage Association ("GNMA"). Some of these securities are supported by the full faith and credit of the U.S. Treasury; the remainder are supported only by the credit of the instrumentality, which may or may not include the right of the issuer to borrow from the U.S. Treasury. These also include securities issued by eligible private depository institutions and guaranteed by the Federal Deposit Insurance Corporation ("FDIC").

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|:---|:---|
| ![(SOA LOGO)](sp001_v1.jpg) | Income Fund \| www.soafunds.com |

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High yield bonds are rated below investment grade (BB and lower). The Portfolio Manager seeks out high yield bonds with the potential to offer high current income, generally focusing on high yield bonds that can provide consistently attractive current yields. High yield bonds offer high income in an effort to compensate investors for the higher risk of default (failure to make required interest or principal payments). The Income Fund may also invest in higher rated (above BB) bonds. Although the Income Fund expects to maintain a long-weighted average maturity, there are no maturity restrictions on the Income Fund or on individual securities. Typically, the investments in the Income Fund will be subject to federal income taxation.

The Income Fund may also invest in master limited partnerships ("MLPs"), equity securities of dividend paying companies and private placements.

**Principal Risks of Investing in the Income Fund:**

An investment in the Income Fund could lose money over short or long periods of time. You should expect and be able to bear the risk that the Income Fund's share price will fluctuate within a wide range. There is no assurance that the Income Fund will achieve its investment objective. The Income Fund's performance could be adversely affected by the following principal risks. Each risk summarized below is a principal risk of investing in the Income Fund and different risks may be more significant at different times depending upon market conditions or other factors.

▪ *Interest Rate Risk* — Interest rate risk is the possibility that overall bond prices will
 decline because of rising interest rates. Even GNMAs and other agency securities (whose principal
 and interest payments are guaranteed) can decline in price if rates rise. Interest rate risk
 is expected to be high for the Income Fund because it invests, without limitation, in long-term
 bonds, whose prices are much more sensitive to interest fluctuations than are the prices
 of short-term bonds.

▪ *Credit Risk* — Credit risk is the possibility that the issuer of a bond will fail to pay
 interest and principal in a timely manner, or that negative perceptions of the issuer's
 ability to make such payments will cause the price of that bond to decline. Credit risk is
 significant for the Income Fund because it seeks to invest a portion of the Income Fund's
 assets in low-quality bonds. Even if there is no actual default, it is probable that a bond
 will decline in price if its credit quality declines and its bond rating is downgraded to
 a lower category. The Income Fund attempts to reduce portfolio credit risk by diversifying
 its holdings and carefully researching issuer credit quality.

▪ *Call Risk* — Call risk is the possibility that during periods of falling interest rates,
 issuers of callable bonds may call (redeem) higher coupon rate bonds before their maturity
 dates. The Income Fund would then lose potential price appreciation and would be forced to
 reinvest the unanticipated proceeds at lower interest rates, resulting in a decline in the
 Income Fund's income. Call risk is typically higher for long-term bonds.

▪ *Dividend Payment Risk* — The risk that a portfolio holding is unable to maintain dividend
 payments at historical levels.

▪ *Market Risk* — The market value of the Income Fund's investments will fluctuate as the respective markets fluctuate. Market risk
may affect a single issuer, industry or sector of the economy or it may affect the market as a whole. Performance of the Income Fund
can be affected by unexpected local, state, regional, national or global events (e.g., significant earnings shortfalls or gains, inflation,
recessions, government shutdowns, market closures, market manipulation and other fraudulent practices, war, military conflict, political
and geopolitical events, acts of terrorism, the spread of infectious diseases or other public health issues, natural and environmental
disasters, trade disputes, tariff arrangements, sanctions, and cybersecurity attacks) that cause major price changes in individual securities
or market sectors. The securities purchased by the Income Fund may not appreciate in value as the Adviser anticipates. For additional
information regarding Market Risk, refer to "Market Risk" in the section titled "Additional Information About the Investment
Objectives, Principal Investment Strategies and Related Risks of the Funds" in the Fund's prospectus.

▪ *Credit Risks of Lower-Grade Securities* — Credit risks of lower-grade securities is the
 possibility that bonds rated below investment grade, or unrated of similar quality (i.e.,
 "junk bonds"), may be subject to greater price fluctuations and risks of loss of
 income and principal than investment-grade securities. High yield bond issuers often include
 small or relatively new companies lacking the operating history or capital to warrant investment
 grade status, former blue chip companies downgraded because of financial problems, companies
 electing to borrow heavily to finance or avoid a takeover or buyout, and firms with heavy
 debt loads. Securities that are (or that have fallen) below investment-grade have a greater
 risk that the issuers may not meet their debt obligations. These types of securities are
 generally considered speculative in relation to the issuer's ongoing ability to make
 principal and

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| ![(SOA LOGO)](sp001_v1.jpg) | Income Fund \| www.soafunds.com |

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interest payments. During periods of rising interest rates or economic downturn, the trading market for these securities may not be active and may reduce the Income Fund's ability to sell these securities (see "Liquidity Risk", described under "Additional Information about the Investment Objectives, Principal Investment Strategies and Related Risks of the Income Fund" below) at an acceptable price. If the issuer of securities is in default in payment of interest or principal, the Income Fund may lose its entire investment in those securities.

▪ *Preferred Securities Risk* — Preferred securities can decrease in value for a variety of reasons,
 including decreases in response to the activities of an individual company or in response
 to general market and/or economic conditions. The market value of all securities, including
 preferred securities, is based upon the market's perception of value and not necessarily
 the book value of an issuer or other objective measures of a company's worth. Preferred
 securities may be less liquid than common securities and may be subject to more fluctuations
 in market value, due to changes in market participants' perceptions of the issuer's
 ability to continue to pay dividends, than debts of the same issuer.

▪ *Equity Securities Risk* — Equity securities are susceptible to general market fluctuations
 and volatile increases and decreases in value as market confidence in and perceptions of
 their issuers change. Factors that may influence the price of equity securities include developments
 affecting a specific company or industry, or changing economic, political or market conditions.

▪ *MLP Risk* — Investing in MLPs involve risks that differ from investments in common stock
 including risks related to limited control and limited rights to vote on matters affecting
 the MLP, risks related to potential conflicts of interest between the MLP and the MLP's
 general partner, cash flow risks, dilution risks and risks related to the general partner's
 limited call right, as described in more detail in the prospectus. In addition, investments
 in MLPs subject the Income Fund to risks associated with the specific industry or industries
 in which the MLPs invest. MLPs are generally considered interest-rate sensitive investments.
 During periods of interest rate volatility, these investments may not provide attractive
 returns.

▪ *Portfolio Management Risk* — The Income Fund's ability to achieve its investment objective
 is dependent on the Adviser's ability to identify profitable investment opportunities
 for the Fund. The securities purchased by the Adviser may not perform as anticipated.

▪ *Private Placement Risk* — Private placement risk is the risk that investments in
 private placements are illiquid. Privately placed securities may be difficult to sell promptly
 or at reasonable prices and might thereby cause the Income Fund difficulty in satisfying
 redemption requests. Privately placed securities are typically fair valued and generally
 have no secondary trading market; therefore, such investments may be more difficult to value
 than publicly traded securities. Difficulty in valuing a private placement may make it difficult
 to accurately determine the Income Fund's exposure to private placement investments,
 which could cause it to invest to a greater extent than permitted in illiquid investments
 and subject it to increased risks. Private placement investments may involve a high degree
 of business and financial risk and may result in substantial losses. These factors may have
 a negative effect on the Income Fund's performance.

▪ *Risks of CMOs* — Risks of CMOs is the possibility that the Income Fund will be less likely
 to receive payments of principal and interest, and will be more likely to suffer a loss,
 if there are defaults on the mortgage loans underlying the CMOs. This risk may be increased
 to the extent that the underlying mortgages include sub-prime mortgages and in relation to
 the level of subordination of the category of the CMOs held by the Income Fund. In addition,
 CMOs may be less liquid or may exhibit greater price volatility than other types of mortgages
 or asset-backed securities. Some CMOs may be structured in a way that when interest rates
 change, the impact of changing prepayment rates on the effective maturities of certain issues
 of these securities is magnified. CMO risk also depends on the issuer. While CMO collateral
 is typically issued by GNMA, FNMA or FHLMC, the CMO itself may be issued by a private party,
 such as a brokerage firm, that is not covered by government guarantees. CMO collateral may
 also include different or specialized types of mortgage loans or mortgage loan pools, letters
 of credit, or other types of credit enhancements and these so called "private label"
 CMOs are the sole obligation of their issuer.

▪ *U.S. Government Securities Risk* — Although U.S. Government securities are considered
 among the safest investments, they are not guaranteed against price movements due to changing
 interest rates. Obligations issued by some U.S. Government agencies are backed by the U.S.
 Treasury, while others are backed solely by the ability of the agency to borrow from the
 U.S. Treasury or by the agency's own resources.

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| ![(SOA LOGO)](sp001_v1.jpg) | Income Fund \| www.soafunds.com |

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**Suitability:**

An investment in the Income Fund may be suitable for intermediate to long-term investors who seek high current income. Investors should be willing to accept the risks and potential volatility of such investments.

**Performance Information:**

The bar chart and performance table below illustrate the risks of investing in the Income Fund by showing changes in the Income Fund's performance from year to year and by showing how the Income Fund's average annual total returns compare with those of a broad measure of market performance. The Income Fund's past performance (before and after taxes) does not necessarily indicate how the Income Fund will perform in the future.

The bar chart shows the changes in annual total returns from inception for the Income Fund's Class A Shares. Sales loads and account fees are not reflected in the bar chart; if they were, returns would be less than those shown. Updated performance information, current through the most recent month end, is available by calling Ultimus Fund Solutions, LLC, the Fund's transfer agent (the "Transfer Agent"), at 1-800-452-4892.

*The performance information displayed in the bar chart is the performance of Class A Shares only, which will differ from Class C Shares and Institutional Shares to the extent the classes do not have the same expenses and inception dates.*

**Income Fund's Annual Returns (%)**

**Class A Shares**

![(BAR GRAPH)](sp002_v1.jpg)

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| | |
|:---|:---|
| *Best Quarter* | *6.85% in the quarter ended December 31, 2023* |
| *Worst Quarter* | *(6.14)% in the quarter ended June 30, 2022* |

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The performance table shows how the Income Fund's average annual return compares with that of a broad-based securities index.

**Performance Table**

*(Average annual total returns for the periods ended December 31, 2025)*

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| | | | | |
|:---|:---|:---|:---|:---|
|  | <br>**1 Year** | <br>**5 Years** | <br>**10 Years** | **Since**<br>**Inception<sup>(1)</sup>** |
| Spirit of America Income Fund – Class A |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return Before Taxes | 1.47% | 0.86% | 3.29% | 5.46% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return After Taxes on Distributions<sup>(2)(3)</sup> | (0.73)% | (1.13)% | 1.48% | 3.45% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return After Taxes on Distributions and Sale of Fund Shares<sup>(2)(3)</sup> | 1.29% | 0.03% | 1.88% | 3.52% |
| Spirit of America Income Fund – Class C |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return Before Taxes | 4.71% | 1.07% | N/A | 2.89% |
| Spirit of America Income Fund – Institutional |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return Before Taxes | 6.74% | 2.08% | N/A | 3.54% |
| Bloomberg U.S. Aggregate Bond Index<sup>(4)</sup> | 7.30% | (0.36)% | 2.01% | 2.86% |

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(1) Class
 A Shares of the Income Fund commenced operations on December 31, 2008. Class C Shares of
 the Income Fund commenced operations on March 15, 2016. Institutional Shares of the Income
 Fund commenced operations on May 1, 2020.

(2) After-tax
 returns are calculated using the historical highest individual federal marginal income tax
 rates and do not reflect the impact of state and local taxes. After-tax returns shown are
 for Class A Shares and will vary from after-tax returns for Class C Shares and Institutional
 Shares to the extent that the classes do not have the same expenses and inception dates.

(3) Actual
 after-tax returns depend on an investor's tax situation and may differ from those shown.
 After-tax returns shown are not relevant to investors who hold their Fund shares through
 tax-deferred arrangements, such as 401(k) plans or individual retirement accounts. The Return
 After Taxes on Distributions and Sale of Fund Shares for a period may be greater than the
 Return After Taxes on Distributions for the same period if there was a loss realized on sale
 of Fund shares. The benefit of the tax loss (to the extent it can be used to offset other
 gains) may result in a higher return.

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| ![(SOA LOGO)](sp001_v1.jpg) | Income Fund \| www.soafunds.com |

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(4) The
 Bloomberg U.S. Aggregate Bond Index is an unmanaged index that measures the investment grade,
 U.S. dollar-denominated, fixed-rate taxable bond market. The Bloomberg U.S. Aggregate Bond
 Index includes U.S. Treasuries, government-related and corporate securities, mortgage-backed
 securities (agency fixed-rate and hybrid ARM pass-throughs), asset-backed securities and
 commercial mortgage-backed securities (agency and non-agency). The performance of an index
 assumes no transaction costs, taxes, management fees or other expenses. The Since Inception
 performance reported for the Bloomberg U.S. Aggregate Bond Index is reflective of the inception
 date of Class A Shares of the Income Fund. A direct investment in an index is not possible.

**Investment Adviser:**

Spirit of America Management Corp., with an address at 477 Jericho Turnpike, P.O. Box 9006, Syosset, NY 11791-9006.

**Portfolio Managers:**

Mark Reilly serves as the Portfolio Manager and is primarily responsible for the day-to day management of the Income Fund. Mr. Reilly became the Co-Portfolio Manager of the Income Fund effective November 18, 2015 and transitioned to Portfolio Manager on July 1, 2016. Mr. Reilly has been associated with the Adviser since November 18, 2015.

Douglas Revello serves as Co-Portfolio Manager of the Income Fund and has served in this capacity since May 1, 2018. Mr. Revello has been associated with the Adviser since May 18, 2009.

The SAI provides additional information about each portfolio manager's compensation, other accounts managed by each portfolio manager and each portfolio manager's ownership of securities in the Income Fund.

**Purchasing and Selling Fund Shares:**

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| | | |
|:---|:---|:---|
|  | **Minimum**<br>**Initial**<br>**Investment** | **Subsequent**<br>**Minimum**<br>**Investment** |
| Class A Shares and Class C Shares | $500 | $50 |
| Institutional Shares | $100000 | $10000 |

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You may redeem your shares of the Income Fund on any business day that the NYSE is open for business. Shares may be redeemed by written redemption request, telephone or wire transfer.

**Taxes:**

The Income Fund's distributions may be taxable as ordinary income or capital gains, unless your investment is in an IRA, 401(k) or other tax-advantaged investment plans, or when the distribution is derived from tax exempt income.

**Payments to Broker-Dealers and<br> Other Financial Intermediaries:**

If you purchase shares of the Income Fund through a broker-dealer or other financial intermediary (such as a bank), the Income Fund and its related companies may pay the intermediary for the sale of the Income 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 Income Fund over another investment. Ask your salesperson or visit your financial intermediary's website for more information.

SOAIX-SP26

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| ![(SOA LOGO)](sp001_v1.jpg) | Income Fund \| www.soafunds.com |

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