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1 GuidancePlus: a step by step guide... 2 Bull and Bear Market... 6 Distribution Terms Glossary of Terms... 9 Go The Distance Inflation Instructions to Complete the Enrollment/Change Election Form Mutual Funds...16 Your Investment Profile...18 Mercados Alcistas (bull) y Bajistas (bear)...20 Terminos y Explicaciones de Distribucion...21 Ir a la Distancia...23 Fondos Mutuos...25 Figuracion de Inversion

2 GuidancePlus a step by step guide Dreaming about retirement is fun... Living in retirement can be fun, too if you ve done some planning. MasteryPOINT GuidancePlus (GP) helps you with that planning right from the comfort of your home. You know that you rarely get something for nothing. That s true of retirement, too. Maybe you re one of the lucky few with no concerns about your retirement nances. But, if you re like most of us, you ve got more than a few questions. GuidancePlus can provide you with some answers. The only cost is some time...and you won t have to spend a whole lot of that. Getting Started Step 1 Log in to MasteryPOINT GuidancePlus (GP) using the instructions provided. When you log in, GP secures certain information from your retirement plan account, so you don t have to enter it. Once you ve logged in, you may want to see results without providing much information. Clicking the First Look icon allows you to do that by taking you directly to your Action Plan in Step 7. The plus side of First Look is that it s quick. The minus side is that it relies on a bunch of assumptions that may or may not be correct. If you d rather have a more hands-on approach to your planning, click the Next button. You ll have to provide some information about yourself on subsequent screens. Having a recent paycheck handy will help. First Look icon GuidancePlus-0312 CPI

3 Step 2 Answer the Getting Started questions. You ll see that we ve provided default answers to these questions already, so you can breeze by them if you want. If you want to include more information about your spouse, other retirement or household accounts, pensions, expected income, or expense items, indicate that here. We ll ask you more about those things later. Step 3 Provide your basic personal information. We use your age and current salary to project the income you ll need at retirement and how much you may be able to save between now and then. Step 4 Check your current investments. We get your account balances directly from your plan recordkeeper. If you indicated you had assets outside your plan, you can click the Add Other Investments button to detail those investments. NOTE: If you ve indicated that you want to add other information for you, your spouse, or your signi cant other, you ll be prompted to do so here. Participant Service Center: ext. 206 Website:

4 Step 5 Con rm your goals and assumptions. The key question here is the amount of replacement income you d like to have. Replacement income is the percentage of your current income you think you ll need at retirement. Advisors recommend between 70% and 85% of your current income. First Look assumes 80%. Step 6 Con rm your risk tolerance. First Look assumes you re a moderate investor (i.e., a 50 on a scale of 1 to 100). You can conrm that assumption by clicking on Risk Advisor and answering a series of questions. Or you can leave well enough alone for the moment and come back to the Risk Advisor later.?note the? icon next to some of the questions. Place your cursor over the icon to get help with your answer. Step 7 Review your Action Plan. Ready for some guidance? Here it is. Whether you ve gotten here via the First Look shortcut or taken the long way, the Action Plan tells you if you re likely to meet your goals and suggests what steps you should consider if you re not. Action Plan Participant Service Center: ext. 206 Website:

5 Step 8 Have some fun. You can, of course, accept the retirement strategy as proposed. But just for the heck of it, select the Custom option and bring up the Custom Strategy screen. You can adjust in one place the four factors that will most affect your retirement nances: your retirement age; your replacement income assumption; your plan contribution level; and your risk tolerance. Step 9 Implement your strategy. Based on the information you ve provided, MasteryPOINT GP tells you where you should invest your retirement plan resources. Before you take this step, however, you may want to provide GP with additional information. (Remember that First Look is intended to provide a quick overview of your situation. If you want a more in-depth analysis, take the time to walk through GP from the beginning.) Custom Strategy Education MasteryPOINT GP includes a wealth of information on investing and retirement planning. If you need additional info, select the Education option on the toolbar and scroll down to the subject you re interested in. We suggest, however, that you start at the beginning and get the full picture. Estimated time: 15 minutes. Sophisticated Planning Remember the Getting Started page? The default answers were mostly No. Answer Yes to those questions, and MasteryPOINT GP becomes a much more sophisticated planning tool. Other Features Include additional portfolios in your planning; factor in extraordinary income and expense items; include your spouse s or signicant other s resources and you ll achieve more complete results. Additional Tools MasteryPOINT GP offers a number of valuable tools to assist in your nancial and retirement planning. Check the impact of your plan loans with the plan loan calculator. Weigh your distribution options with the distribution planner. Determine the impact of saving for your children s college educations. These tools and more are available under the Calculator option. Participant Service Center: ext. 206 Website:

6 Bull and Bear Markets Running with the Bull There is an old adage that states, Those who fail to plan, plan to fail. A Bear Market A bear market is a market where stocks are expected to go down; a long-term downward trend lasting months to years. A bear market can be dened as a decline of at least 15% in each of three important stock averages: The Dow Jones Industrials The S&P 500 Index The Value Line Index* A Bull Market Bull markets refer to a rising of the market where the prices of stocks are expected to go up; a long-term upward trend that can last months to years where stocks often post substantial gains coming out of a bear market and the biggest percentage increases happen early in the rebound. The rebound usually does not correspond with an upturn in the economy, but often precedes it. And it is fairly easy to spot about three months after it happens. Strategy Your best strategy is to stay invested during downturns. By staying invested, you do not miss the bottom of the market or the subsequent gains on the upside. It is difcult to watch the value of your portfolio drop in a bear market, but study after study has shown that staying invested with a well-balanced portfolio is the best strategy. The rst key to successful investing is to have a well-thought-out plan. Your plan should include several factors. Understanding the nature of the risks involved in investing. Accepting the inevitability of a bear market and planning for down trends in your investment plan. And nally, having the discipline to stay the course even when the road ahead seems painful. *World Wide Web/Website Walker, Jeff, LowRisk.com, Participant Service Center: ext. 206 Website: CPI

7 Distribution Terms and Explanations Effective distribution procedures are an important part of a successful qualified retirement plan. CPI s distribution process was designed to provide a participant s distribution quickly, while still meeting Internal Revenue Service and Department of Labor requirements. Following are common terms specic to the distribution process that are good to know and understand. If the distribution is to be directly deposited to a checking or savings account, the Direct Deposit box must be completed. Payment Options The participant or Beneciary selects the form of payment. They may elect to have the account distributed in the following ways: all paid in cash, all paid as a direct rollover, a portion paid in cash and the remainder paid as a direct rollover. All cash distributions (other than hardship distributions) are subject to 20% federal income tax withholding. However, if any portion of the distribution is to be paid in cash over a period of 10 years or more, the participant has the option to elect no federal income tax withholding on that portion. Otherwise, a withholding rate of 10% applies to that portion of the distribution. The participant may also have the option to elect no state withholding, if applicable. If the distribution is to be directly rolled over, the participant or Beneciary must complete the Direct Rollover box on the CPI Distribution Options form and provide information on the name of the institution holding the IRA or the name of the eligible retirement plan receiving the distribution. Distributions Termination or nal payout A distribution paid to a participant (or beneciary) when service with the current employer has ceased due to death, disability or termination of employment. In-Service Distribution A distribution paid to a participant who is still employed; usually at age 59 ½ when available. The in-service distribution option must be included in the plan s document. Required Minimum Distribution (RMD) A mandatory distribution paid to the participant beginning at age 70 ½. The RMD amount is calculated based on the life expectancy of the participant and his account balance as of a certain date CPI

8 Loan An amount the participant borrows from the plan that must be repaid. Most plans provide for a minimum loan amount of $1,000. The maximum loan amount is the lesser of one-half of the participant s vested account balance or $50,000 within a 12-month period. A reasonable interest rate must apply to the loan. A promissory note and amortization schedule are prepared for the repayment of the loan. Statutory Hardship Distribution Beneciary Distribution A distribution from the plan to the named beneciary of a deceased participant. Qualied Domestic Relations Order (QDRO) A QDRO is an order issued by a court of law in conjunction with a divorce settlement. The QDRO describes how the retirement account is to be divided between the the participant and his or her ex-spouse. This type of distribution has certain criteria that must be met under law. Reasons for a hardship distribution include: Purchase a house (primary residence) Secondary education expenses Certain medical expenses Prevent eviction from or foreclosure on your home Burial or funeral expenses Repair damage to your home Only the participant s deferrals can be used for hardship distributions (no earnings). Once a hardship distribution is taken, the participant is not allowed to make deferral contributions to the plan for six months. Participant Service Center: ext. 206 Website:

9 Glossary of General Retirement Plan Terms Each industry has its own language; the retirement plan industry is no different. Here are some definitions that will have you speaking fluid retirement plan in no time at all! Allocation Dividing your contributions among the major asset categories to reduce risk in your portfolio. Catch-up A provision that is found in some retirement plans that allows eligible employees who are age 50 or older to make an additional annual contribution. Fund Fact Sheet A brief summary of information regarding the holdings, style, and returns of a particular mutual fund or other investment. Equity A stock or any other security representing an ownership interest. 1 Contribution For retirement plan purposes, an amount of money designated for deposit to a participant s retirement account. Diversication The practice of spreading money among different investments to reduce risk. Fiduciary A person legally appointed to hold the property of another party. He or she is expected to act in that person s best interests when holding, investing, or otherwise handling that individual s property. Rate of Return The gain or loss on an investment over a specied period, shown as a percentage of increase or decrease, over or under the initial investment cost. Mutual Fund An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money mangers, who invest the fund s capital and attempt to produce capital gains and income for the fund s investors. A mutual fund s portfolio is structured and maintained to match the investment objectives stated in its prospectus CPI

10 Participant With regard to qualied retirement plans, an employee who meets the eligibility requirements as dened in the retirement plan document, and who may or may not have an account balance in the plan. Plan Sponsor With regard to retirement plans, the entity, or employer, responsible for establishing and maintaining the plan. Prospectus A formal legal document, which is required by and led with the Securities and Exchange Commission, that provides details about an investment offering for sale to the public. A prospectus should contain the facts that an investor needs to make an informed investment decision. 3 Rebalance The process of bringing a portfolio account back to its original investment allocation. Short-term Redemption Fees Fund companies assess short term redemption fees on select mutual funds when an investor sells shares of a fund within a short period of time after purchase. Each individual mutual fund company determines how the fees are calculated and what is considered short term. This fee is intended to discourage market timing and other abusive short term trading practices. Short-term redemption fees are intended to protect the interests of all investors in the mutual fund. Vesting The participants ownership right to company contributions generally earned by completing years of service as outlined in the vesting schedule contained in the plan document. 1 Equity. Investopedia.com - Your Source For Investing Education. Investopedia ULC. Web. 9 June <http://www.investopedia.com>. 2 Mutual Fund. Investopedia.com - Your Source For Investing Education. Investopedia ULC. Web. 9 June <http://www.investopedia.com>. 3 Prospectus. Investopedia.com - Your Source For Investing Education. Investopedia ULC. Web. 9 June <http://www.investopedia.com>. Rollover The transfer of retirement funds from one retirement plan to another eligible plan or to an IRA without incurring a tax liability. Salary Deferral Also known as elective deferral or salary reduction contributions. A contribution arrangement under which the participant elects to contribute part of his/her compensation to the 401(k) or 403(b) plan on a pre-tax basis. Participant Service Center: ext. 206 Website:

11 Go the Distance Social security has become a supplement, not a principal. On average, Social Security pays around 40% of pre-retirement earnings. As the baby boom generation retires, this average is expected to drop due to the reduction in the active work force funding social security. Are you ready for retirement? Smart saving now, though, will help you prepare for the day when you decide to join the ranks of America s retirees. What should you do now? First, ask yourself these questions: When should I start saving for retirement? How much will I need to save? What is the best way to save? The rst questions are easy now! The sooner you start, the easier it is to reach your goals. Albert Einstein was once asked what he considered to be the most powerful force in the universe. His answer? Compound interest! Starting early is the key. Saving even a little puts compound interest to work for you. The earnings on your contributions are reinvested. Now earning on both your contributions and your earnings and it just keeps growing. How much do you need? That one isn t quite as easy to answer. Studies show that in retirement you ll need 70%-80% of what you re living on now. If you want to replace more of your current income, you ll need to save more. You should also take into consideration ination and unexpected expenses. Will you work after you retire? Many Americans do. Saving now will help you work because you want to, not because you have to, when you re ready to retire. The savings calculator at can help you determine just how much you need to save. You can nd calculators under the Retirement Plan Resources menu within the Investment Guidance module CPI

12 The best way to save. Your employer has offered you the most valuable tool available for planning your retirement future: a retirement plan. The best and easiest way to reach your goal is to participate in the plan: Your deferral contributions are deducted from your salary before federal and state income taxes, which reduces your taxable income. Tax-deferred earnings let your money grow faster because you pay no current taxes on your investment earnings. Your deferral contributions are yours, no matter what. If you leave the company, you can roll over the money in your account into an IRA or other company-sponsored retirement plan. Finally talk to your nancial advisor; discuss your goals, time-frame and risk tolerance. Americans now spend more years in retirement than ever before. Make sure your savings goes the distance. Participant Service Center: ext. 206 Website:

13 Inflation in fla tion (in- flā shən) noun 1. a continuing rise in the price level usually attributed to an increase in the volume of money and credit relative to available goods and services. 1 In 1964, when you punched the time clock from your $3.88 an hour job, you could drive your brand new Ford Mustang that you paid $2,358 for, to the grocery store and buy a Hershey chocolate bar costing 5. Today, after you clock out from your $19.00 an hour job, you can drive your new $34,000 Mustang to the Convenience store and pick up a candy bar for a $ Mr. Webster can define inflation, but can he explain how it works? Too much money can be a bad thing. When the government releases more currency into circulation, businesses tend to increase prices to maintain the value of their products. A high demand for products can also trigger ination. Ination is not always a bad thing either, many times consumers feel little, if any, impact; however, in retirement ination eats away at your savings, which may be your only source of income, especially if you choose not to work after retirement age. Generally speaking, ination increases the prices on goods causing wages to rise, lowering interest rates and stimulating the economy. Ination can also lower your purchasing power, creating the risk that you could outlive your retirement savings, your xed income. How much more money will you need in retirement to offset ination? Speculating the ination rate can be tricky at best; it tends to uctuate over time and is as hard to predict as the stock market. Over the last decade, however, ination is the lowest it s been since 1919 at 2.78%, (the highest was at 7.09%). 2 Plan for inflation. Talk to a retired person, and he or she will tell you that having more money at retirement is good it s smart it gives peace of mind. The more money you have saved when you are ready to retire, the greater the likelihood that you will not run out of money in retirement. But how can you accomplish that, especially with the effects of ination on your buying power? CPI

14 Pay raises, bonuses and loans that you pay off will have a positive affect on your monthly budget. Look closely at your current budget. Can you increase your deferral contribution? As you repay loans and credit card debt, look at your budget again. Can you increase your deferral? Your nancial advisor is uniquely equipped to help you plan for retirement. With professional guidance based on your personal needs, you will know what you will need to do to make your retirement dreams become a reality. 1 Merriam-Webster online, worldwide web (http://www.merriam-webster.com/) 2 The Digeratilife, worldwide web, php/2007/09/17/watch-prices-go-up-interesting-facts-about-ination/.com) Participant Service Center: ext. 206 Website:

15 Instructions for Completing the Enrollment/Change Election Form Plan Name: ENROLLMENT/CHANGE INVESTMENT ELECTION FORM Location Name: Location ID: Ref. No. How To Section A Your Info Section B Your Investment Direction *Initial Enrollment Only Section C Your Election Section D Sign To Enroll: Complete All Sections To Decline Enrollment: Complete Sections A,C and D (Plan Sponsor: Send to CPI if checked above.) To Change Contribution Percentage: Complete Sections A, C and D Please type or print clearly (Plan Sponsor: Keep for your records if checked above. Do not send to CPI.) - - Last Name First Name M. I. Social Security Number (SSN) The plan offers a self-directed brokerage account (SDBA) investment option through Ameritrade. To direct all or part of your future contributions to the SDBA, you will need to set up your account online. Go to select Transactions and Change Investment Elections. Among the investment choices, find the SDBA option, select Sign up and follow the instructions. Location Name If your company has multiple locations, enter the name of the location in which you work. This information is used when the plan sponsor wants benefit statements divided by location. The plan sponsor will determine location names. The plan also offers an Individually Managed Account (IMA) investment option through. To direct all or part of your future contributions to the IMA, you willl need to set up your account with. The contributions you direct to the IMA will be invested with a designated default fund for the IMA and automatically transferred to the IMA once it is established. I direct that alll future contributions be invested in the following funds and/or the IMA and/or the SDBA investment options. (If incomplete, contributions will be invested in accordance with your prior election or, if none, in the default fund noted with a D until a new election is completed through the IVR or web site. Failure to complete this section is deemed to be a 100% election in the default fund.) Location ID Enter WHOLE percentages in multiples of 1% (i.e. 10%, 25%, 50%). Do not use decimals or fractions. Elections mustt total 100%. This is only completed if there are different identifiers that will be used to divide benefit statements. If incomplete, contributions will be invested in accordance with your prior election or, if none, in the Life Cycle fund that is closest to your assumed retirement age The location ID is determined by the plan sponsor. (see the funds s listed below noted with a D ) until a new election is completed through the IVR or web site. Failure to complete the section is deemed to be a 100% election in the e applicable able Life Cycle fund. For purpose of the Life Cycle funds, your assumed age is. % How To Fund Name % Fund Name Select one of the three boxes listed in this section. To Enroll: Check this box to enroll in the plan. Complete all sections of the form. To Decline Enrollment: Check this box if you do not wish to enroll in the plan. Complete Sections A, C, and D To Change Contribution Percentage: Check this box if you are already enrolled in the plan and wish to change your salary deferral percentage. Complete Sections A, C, and D. Section A: Your Info 100% Fund elections MUST TOTAL 100% Enter your last name, first name, middle initial, and social security number in the spaces provided. *This election applies to new contributions only and will not affect the investment of existing assets or assets that are mapped during a conversion from a prior record keeper. Section B: Your Investment Direction Salary Deferral - I instruct my employer to deduct $ or % of my pay on a pre-tax basis each pay This section contains a list of the investments available in the plan. To choose an investment, enter period for investment in my account. (In the space provided, a percentage enter a whole in percentage the space in an amount provided permitted next by the to Plan, each as investment described the Plan name Highlights.) in which To decline you wish to invest. Your participation, enter 0%. percentages must total 100%. Enter whole percentages only. Voluntary After -Tax - I instruct my employer to deduct $ or % of my pay on an after-tax basis each pay period for investment Section into my C: account. Your (Enter Election a whole percentage in the space provided) Roth C ontribution - I instruct my employer to deduct $ or % of my pay on an after-tax basis each pay period for in vestment Check into Salary the designated Deferral Roth to portion make of a my pre-tax account. contribution to the plan. Enter the percentage of your Cash or Deferred compensation Bonus - I instruct you wish my employer to defer to in deduct the on space a pre-tax provided. after-tax Enter basis a whole (Roth) percentage % (maximum only. Check Roth amount ) of my Bonus Contribution or Incentive to Compensation make an after-tax for investment contribution in my account. to the plan. Enter the percentage of your compensation Please refer too your you Summary wish Plan Description to defer (SPD) in and the Plan space Highlights, provided. which will describe Enter any a maximum whole limits percentage on the amount you only. may contribute You can that make apply to both a Salary your plan eithe er based on the plan s provisions or under the law. Your employer may restrict the frequency with which you may change this election. Please check with your Plan nrepresentative Deferral to see and if there a Roth are any restrictions. Contribution. Section D: Signature By signing this form, I have authorized the Employer to deduct the amount elected from my paycheck and transmit the funds to the investment funds indicated. I certify that I have received the prospectuses for the mutual funds I have chosen to invest in above. Sign and date the form to complete your enrollment. Participant ant Date Participant Service Center: ext. 206 Website: Enrollment/Benefi ciary Election form-0412 CPI

16 Mutual Funds: Putting it All Together A mutual fund is basically a portfolio of several different securities so its success isn t dependent on how one or two holdings perform. Money that you invest in a mutual fund is pooled with other investors creating greater buying power than if you invested in an individual stock or bond. As a fund investor, you own shares of the fund. Investment choices generally fall into three major asset classes: stock funds, bond funds, and money market funds. 3 Major Asset Classes Stock Funds More aggressive Value rises and falls Higher return potential Bond Funds Moderate Values rises and falls Moderate return potential Money market funds More conservative Stock Funds Value generally stable Lower return potential When you invest in stock funds, you become part owner in companies in the United States or around the world. When they prot, you stand to prot. Stock fund values rise and fall with different market conditions but they historically have produced higher returns than funds with more conservative investments like bonds and money markets. How do they work? Fund managers decide which securities are most appropriate for the fund to own, based on stated objectives. Small-cap funds. Buy stocks of smaller sized companies with market capitalization values that are less than $1 billion. Mid-Cap funds. Invest in stocks from companies with market capitalization values that fall between $1 billion and $4 billion. Large-cap. Buy stocks of larger, well established companies with market capitalization values that exceed $4 billion. Index funds are designed to mirror the performance of a specic index, such as Standard & Poor s 500 index, which is composed of 500 widely held US corps. Index funds are not actively traded, meaning the fund manager will purchase the stocks and holds them resulting in lower operating expenses and management fees. Growth funds invest in stocks of corps with a history of solid earnings. The object of these funds an increase in fund share prices. Value funds are investments in underpriced stocks, in other words, inexpensive stock CPI

17 Bond funds In comparison, bond funds traditionally have produced lower but steadier returns. It s important to recognize, however, that bond funds can also rise and fall in value. Generally, when interest rates go up, the value of bonds go down. When interest rates go down, bond values go up. Bond funds invest in a portfolio of individual bonds, which work like an I. O. U. from the government. You lend the institution your money and typically receive interest payments over the life of the bond. When it matures, you receive your original principal back. Another thing to keep in mind is stock options. An option is the right to buy stock of the issuing corporation at a specic price within a stated period. What that basically means is when a company gives stock options to their employees, they are giving a promise. If the company does well, the stock goes up and the employees benet when they decide to purchase their shares at a previously agreed upon price. If the share price has risen above the agreed price of the option by the time the employee exercises their right, they stand to make a prot. Investment-grade bond Issued by the US Government or other well established corp. Sold history of paying off debt Standard & Poor s Guide to Money & Investing: Virginia B. Morris, Kenneth M. Morris; Lightbulb Press Below investment-grade bond Issued by smaller establishments Lack a solid history of paying debt Referred to as Junk Bonds Money Market funds Money market funds are typically the most stable asset class, they invest in US government securities and high quality investments such as cash instruments, back certicates and guaranteed investment contracts issued by insurance companies, but they generally produce the lowest returns over time. Stable value funds offer the least amount of risk to your retirement savings. Also keep in mind that these funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. While they seek to maintain a stable net asset value of $1.00 per share, it is possible to lose money by investing in these funds. Participant Service Center: ext. 206 Website:

18 Your Investment Profile In order to assist you in the prudent management of your retirement account(s), please complete this confidential profile. Read the questions carefully and circle the number that best describes your response. Personal Financial Profile How long can I HANDLE FINANCIAL EMERGENCIES with the money I have in savings (not counting money in my retirement plan)? 1 Less than 2 months of living expenses to 4 months of living expenses... 2 More than 5 months of living expenses Of my GROSS HOUSEHOLD INCOME, I spend the following percentage on debts such as credit cards, car payments, and rent or mortgage payments: More than 33%... 1 Between 10% and 33%... 2 Less than 10% What is the time frame for my retirement investment i.e., how many years before I withdraw funds for my retirement? Less than 5 years... 1 At least 5 years, but less than 10 years... 2 At least 10 years, but less than 15 years... 3 More than 15 years... 4 Risk Tolerance and Investment Objectives 4 Regarding the risk of investments, I am more likely to change from one investment to another if: The value drops by 5% during a given year... 1 The value drops by 15% during a given year... 2 I will not make investment changes and may even buy more since prices are low CPI

19 5 How long am I prepared to wait for my account to return to its original value after experiencing a down market? Less than 18 months... 1 Between 18 months and 2 years... 2 More than 2 years Which of the following statements best describes how I feel about risk and investing? Slow and steady is a smart way to get ahead... 1 Taking some extra risk is OK, but it s smart to keep the risk small... 2 Risk means that in the long run I may be gaining substantial growth, and it is key to take informed risks, not to avoid them My portfolio consists of: CDs, Savings/Checking accounts, Money Market funds, and/or Treasury bonds... 1 Stocks from large corporations, mutual funds, high-quality corporate bond funds... 2 Predominantly small company stocks, or aggressive mutual funds My investment objectives: I prefer investments that exhibit the least amount of risk, where my principal investment is stable, even if it means I earn a lower rate of return I want investments that show steady, long-term growth; I can assume some risk for the potential of long-term gain I prefer a more aggressive mix of investments, some with moderate growth, but mostly those that carry higher risk and the chance for the maximum capital appreciation Your Investment Risk Score Please add all of your scores from the previous questions and write your answer here to 11 Conservative Investor This portfolio is for investors who can bear some risk, but want to emphasize protection of principal more than capital growth. 12 to 20 Moderate Investor This portfolio is for investors who consider growth of capital important, but want to safeguard a portion of their money to meet retirement objectives. 21 to 25 Aggressive Investor This portfolio is for investors who consider capturing a majority of the market s gains their primary objective. These investors place less emphasis on protection of principal and are willing to accept the price swing of the general market. Participant Service Center: ext. 206 Website:

20 Mercados alcistas (bull) y bajistas (bear) Corriendo con el alcista Hay una vieja frase que dice, Aquellos que fallan para planear, planea fallar. Un mercado bajista (bear) Un mercado bajista es un mercado donde las acciones se epsera que bajen; una tendencia descendente a largo plazo que dura meses or años. Un mercado bajista se define como una disminución de al menos 15% en cada uno de los tres promedios de valores importantes. The Dow Jones Industrials The S&P 500 Index The Value Line Index* Un mercado alcista (bull) Los mercados alcistas se reeren a un aumento del mercado donde los precios de las acciones se espera que suban; una tendencia ascendente a largo plazo que puede durar meses o años donde las acciones muestran aumentos sustanciales saliendo de un mercado bajista y los mayores aumentos porcentuales ocurren al comienzo de la recuperación. La recuperación por lo general no corrensponde a una recuperación en la economía, pero generalmente lo procede. Y es bastante fácil de detectar como tres meses después de que ocurre. Estrategia Su mejor estrategia es mantenerse invertido durante las recesiones. Al estar invertido, usted no pierde la parte inferior del mercado o los benecios posteriores cuando suba. Es difícil ver el valor de sus inversiones bajar en un mercado bajista, pero el estudio tras estudio ha demostrado que permanecer invertido en inversiones bien balanceadas es la mejor estrategia. La primera clave para invertir con éxito es tener un plan bien pensado. Su plan debe incluir varios factores. Comprender la naturaleza de los riesgos implicados en las inversiones. Aceptando la inevitabilidad de un mercado bajista y planeando para las recesiones en su plan de inversión. Y nalmente, tener la disciplina para mantener en curso incluso cuando el camino paresca doloroso. *World Wide Web/Internet Walker, Jeff, LowRisk.com, Centro de Servicio para Participantes: ext. 206 Sitio de Internet: CPI Español

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