Programs » Heritage Series
Strategic Income Plan (SIP)
The SIP Program pivots incrementally among debt classes in response to current market opportunities.The primary focus of the Strategic Income Plan is participation in the segment of the bond market anticipated to be the strongest performer. Within the Plan, allocations are made to high-yield bond funds, U.S.Government bond funds, or money market funds in an effort to minimize volatility, avoid down markets, and increase overall returns and dividend production. The Plan combines the potential for high dividend yields and growth opportunities through high-yield bond funds, the high quality of government bond funds, and the stability of money market funds. The Plan is for the investor seeking current income and the potential for long-term capital growth.
Active Sector Allocation & Protection (ASAP)
The Active Sector Allocation & Protection Program makes incremental allocations among various asset classes.The Active Sector Allocation & Protection (ASAP) seeks to protect principal and achieve long-term capital growth through actively managed, well diversified portfolios. Portfolios are constructed of equity funds, U.S. Government bond funds, high-yield bond funds and money markets. This program seeks to take advantage of the fact that different asset classes perform differently at different points in time. Portfolios are incrementally invested in the asset class with the greatest potential for strong performance in the near term.
- Income & Growth Designed for the conservative investor seeking long-term appreciation coupled with capital preservation.
- Growth Designed for the growth-oriented investor seeking participation in the equity markets.
- Aggressive Growth Designed for the aggressive investor who focuses more on long-term returns rather than short-term volatility.
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.