            TO HELP YOU REACH YOUR GOALS, YOU MANY WANT TO CONSIDER:

                 A Capital Preservation Portfolio consisting of:

               50% Short-term Securities / 30% Bonds / 20% Stocks

Based on what your said in Module 2: Investment Strategy about your tolerance for risk, the time you have to save, and your financial circumstances, this portfolio may be the right one for you in helping to reach your retirement goals.

This investing strategy is designed for investors who want to preserve their capital while protecting against inflation.  It is appropriate for people who are nearing retirement age and who are seeking to achieve stability and capital preservation while staying ahead of inflation.

These investors are willing to withstand the fluctuations of the stock market with a small portion of their savings to achieve enough growth to offer protection against inflation.  The majority of their portfolio, however, will be made up of high-quality money market instruments and bonds with the goal of protecting their capital from the short-term fluctuation of more growth-oriented investments.

Only you know what works best for you under any given circumstances.  If any of the answers you gave in Module 2: Investment Strategy change, the portfolio given might be different.
