What Kind of Investor are You?                         Our brief descriptions are designed to help you decide whether you are a conservative, balanced, or growth type of investor. We do not believe in the typical risk questionnaires, because they really don’t measure risk. A conservative investor is typically older, closer to retirement, and more concerned about the potential of losing a significant amount of their principal retirement nest egg. They would normally have more of their retirement assets in fixed income (bonds) or money market funds rather than equities (stocks). A balanced investor is looking for both growth and income, and a traditional portfolio would typically hold approximately 60% in equities (stocks) and 40% in fixed income (bonds). You could be any age and feel comfortable with this mix. A growth investor is looking to grow their funds, take more risk, and could be completely invested in equities (stocks). Any age group could fit this description. If you haven’t saved enough to fund your retirement needs, you may want to consider this mix. Regardless of the choice you feel is right for you, our service will attempt to minimize the overall investment risks by advising you when it is prudent to get out of the way of bad markets as well as alert you when you should take advantage of promising markets. Your allocation between equities, bonds, and cash will vary with the ever-changing economic conditions that exist in the world today. This is further explained in the Investment Policy Statement which is part of the enrollment process.