• Growth potential is created by investing in risky assets and managing those assets intensely *
• Once the general public (you) learn of a stock's attractiveness it's usually too late to invest
• The industrialization of the world's major emerging countries, we believe will provide potential opportunity to build capital**
• When choosing investments, performance expectation can potentially be more important than cost
• Invest your money for mortality not retirement
• Savings is defined as money not spent. Investment capital seeks higher returns with increased risk
• Know your investment objective. Safety, Income, Growth or Aggressive Growth
• Hoarding money at the bank because of fear or lack of knowledge does not increase financial security
• Proper investment diversification has the opportunity to address the risk of living too long ***
• Emotion is one of the biggest threats to successful money management

Opportunity often resides between contradiction and fear.

* Investing involves risk including loss of principal

** International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. These risks are often heightened for investments in emerging markets.

*** There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.