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

                    A Moderate Growth Portfolio consisting of:

               40% Stocks / 40% Bonds / 20% Short-Term Securities

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 their savings to grow ahead of inflation but who want to moderate to an extent the short-term fluctuations of the stock market.  It is appropriate for people who will not need access to the money for at least five to seven years and who can tolerate some short-term fluctuations in value.

Because it focuses primarily on bonds and high-quality money market instruments, this strategy provided more stability than a portfolio consisting primarily of stocks.  The bonds also offer the potential for current income.

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.
