Programs » Founders
- Founders contains stock and bond funds.
- Macroeconomic analysis determines overall asset class mix.
- Models and Relative Strength analysis determine style/cap rotation, e.g. large cap vs. small cap, growth vs. value, domestic vs. international.
- SIP Plus analysis helps guide bond selection process for Founders.
- Money Market/Cash used as a defensive position.
Fact Sheet
High yield bond funds invest in securities that are considered speculative and are susceptible to default or decline in value due to adverse economic and business developments.
An investment in a Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
Mutual funds investing in small and medium sized companies, high-yield securities, foreign securities, as well as funds that concentrate their investments in one sector of the market may increase the risk and volatility of those funds.
Mutual funds which invest in government securities are not guaranteed; mortgage-backed securities are subject to pre-payment risk; bond fund shares are not guaranteed and will fluctuate with market conditions and interest rates, and redemption values may be more or less than original cost; and fixed income funds may be subject to a loss in value due to interest rate fluctuations.
Diversification neither ensures a profit nor protects against investment losses.
Investing in sector funds is more volatile than investing in broadly diversified funds, as there is a greater risk due to the concentration of the funds’ holdings in issuers of the same or similar offerings Inverse Funds involve certain risks, which include increased volatility due to the Funds’ possible use of short sales of securities and derivatives, such as options and futures.
An investment in a Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
Mutual funds investing in small and medium sized companies, high-yield securities, foreign securities, as well as funds that concentrate their investments in one sector of the market may increase the risk and volatility of those funds.
Mutual funds which invest in government securities are not guaranteed; mortgage-backed securities are subject to pre-payment risk; bond fund shares are not guaranteed and will fluctuate with market conditions and interest rates, and redemption values may be more or less than original cost; and fixed income funds may be subject to a loss in value due to interest rate fluctuations.
Diversification neither ensures a profit nor protects against investment losses.
Investing in sector funds is more volatile than investing in broadly diversified funds, as there is a greater risk due to the concentration of the funds’ holdings in issuers of the same or similar offerings Inverse Funds involve certain risks, which include increased volatility due to the Funds’ possible use of short sales of securities and derivatives, such as options and futures.