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

                    A Wealth-Building Portfolio consisting of:

               65% Stocks / 30% Bonds / 5% 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 long-term investors who want to increase the value of their money over time and protect it against inflation.  It is appropriate for people who will not need access to the money for at least sever years and who can tolerate substantial short-term fluctuations in value.

Because it focuses primarily on growth or equity investments, it has the potential to grow faster than inflation over time.  However, the value of the portfolio is likely to fluctuate substantially in the short-term.  The bond portion was included to help even out those ups and downs.

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.
