Investment Portfolios

Conservative Growth Model
The Conservative Growth Model seeks modest long-term growth by investing 35%­ - 55% of its portfolio in equity investments, with the remaining portion in fixed income holdings. While intended to exhibit the least amount of volatility among the four models, investors choosing this model should understand that accounts will fluctuate in value and could lose money. A significant portion of this model's modest return will come from its fixed income holdings. Investors should have a time horizon of four years or more. An account invested using the Conservative Growth Portfolio model could be subject to a loss of 8% or more in any given year, depending on the severity of weak stock market conditions.

Balanced Growth Model
The Balanced Growth Model seeks long-term growth by investing 50%­ - 70% of its portfolio in equity investments, with the remaining portion in fixed income holdings. This model portfolio offers an opportunity for modest capital appreciation, as well as some current income derived from its significant fixed income holdings. Investors choosing this model should have a time horizon of six to eight years or more, and be willing to accept some volatility in their annual returns. An account invested using the Balanced Growth Portfolio model could be subject to a loss of 12% or more in any given year, depending on the severity of weak stock market conditions.

Moderate Growth Model
The Moderate Growth Model seeks substantial long-term growth by investing 65%­ - 85% of its portfolio in equity investments, with the remaining portion in fixed income holdings. Investors choosing this model should have a time horizon of eight to 10 years or more, and be willing to accept significant volatility in annual returns. The Moderate Growth Portfolio model is appropriate for longer-term investors seeking higher returns, while using a limited fixed income position to buffer some of the downturns in the stock market. Accounts invested in this model could be subject to a loss of 16% or more in any given year, depending on the severity of weak stock market conditions.

Aggressive Growth Model
The Aggressive Growth Model seeks to maximize long-term growth by investing 80%­ - 100% of its portfolio in equity investments, with any remaining portion in fixed income holdings. Investors choosing this model should have a time horizon of 10 years or more, and be willing to accept a large amount of volatility in annual returns. An aggressive investor is willing to take on a great deal of risk in an attempt to maximize the value of his/her account. An account invested using the Aggressive Growth Portfolio model could be subject to a loss of 20% or more in any given year, depending on the severity of weak stock market conditions.

•              •              •

To get started with your investment, login to your account using the “User Sign On” section and click the Enroll Now! link. Once selected follow the on-screen prompts to select the model portfolio that is right for you.