
| "Buy and Hold" Check this chart below. Here's the S&P 500 using your method showing a 46% loss in the 2000-2001 bear market. |

| Very High Risk Can you afford this kind of loss again? Why would you risk your retirement? |
| Your money is managed in a Mutual Fund. Below is the largest US stock Mutual Fund which has an overall rating of 5 stars at Morningstar.com. |

| Overall best rating, does this look any different than the first chart? |
| Six years lost. |

| "Retirement Indicator" Easy to see why. |
