| | Portfolio Strategies, Inc. has been an SEC-registered investment adviser since 1982. Our approach to managing participant accounts emphasizes two themes: active management and strategy diversification.
Active management can:
• Respond quickly to a changing market
• Seek safety during downward trends
• Make risk management a priority
Strategy diversification gives:
• Multiple market disciplines
• Opportunity for stability in diverse market conditions
• Experienced money managers actively seeking top performing investments
Our six Guardian Portfolios reflect a strong emphasis on diversification using active management techniques. Each portfolio may consist of up to seven independent strategies. The result is diversified, actively managed portfolios that seek to eliminate emotion, reduce volatility, and add consistent performance.
Choosing Wisely
Your financial adviser will provide you with our Investor Profile Questionnaire. This powerful tool will help you select a Guardian Portfolio that best matches your risk tolerance, time horizon, and investment objectives. | Conservative Income Portfolio / 2010
For Investors Who:
• Seek low investment volatility
• Have a short time horizon (1 to 5 years)
• Want to emphasize protection of principal |  | Conservative Portfolio / 2015
For Investors Who:
• Seek moderately-low investment volatility
• Have a short time horizon (6 to 10 years)
• Want to stress preservation of capital |  | Moderate Conservative Portfolio / 2025
For Investors Who:
• Can bear some risk, but do not desire dramatic price swings
• Have a longer time horizon
(11 to 20 years)
• Consider growth important, but are aware of retirement goals |  | Moderate Portfolio / 2035
For Investors Who:
• Have some tolerance for market fluctuations, with the potential for higher rewards
• Have 21 to 30 years before they will need to withdraw from their investments
• Are interested in growth, but need to safeguard some portion of their portfolio |  | Moderate Growth Portfolio / 2045
For Investors Who:
• Can tolerate significant market fluctuations
• Have a long-term investment horizon
(will retire within the next 31 to 40 years)
• Are very interested with growth, but wish to avoid an all-equity portfolio |  | Growth Portfolio / 2055
For Investors Who:
• Are willing to tolerate significant market swings
• Have a long-term investment horizon
(greater than 41 years)
• Consider growth of capital their primary goal |  |
| Important Disclosure Information | It is the role of Portfolio Strategies, Inc. (PSI) to assist the Plan sponsor with the selection of investment alternatives for Plan participants to consider and choose from, and to provide corresponding general informational materials and educational sessions to Plan participants, so as to enable each participant to direct the investment selection for his/her own Plan retirement account. PSI has not been engaged to provide individual personalized investment advice to Plan participants. To the extent that any participant has investment-related questions pertaining to the suitability of any specific plan investment alternative for his/her individual investment objective(s) or financial situation, he/she is encouraged to consult with the investment professional of his/her choosing. Accordingly, no Plan participant should assume that any general informational materials or educational sessions serve as the receipt of, or as a substitute for, personalized investment advice from PSI, or from any other investment professional.
Past performance may not be indicative of future results. Moreover, no current or prospective Plan participant should assume that future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in any general informational materials or educational sessions (including the Plan investment alternatives and/or any corresponding general investment strategies devised and/or presented by PSI), will be profitable or equal any corresponding indicated historical performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a participant's retirement portfolio. |
Please contact Portfolio Strategies directly with any specific questions: (800) 959-2001. | |
