Mutual-Fund Advisory Program

To reach your investment goals, you want to hold the right mix of assets.

First, you want to stay diversified, avoiding the "eggs in one basket" situation. Second, you want the right asset combo for you.

Nearing retirement? You should probably mostly hold safe, income-generating assets with low risk--government bonds and a small percentage of equities. Got a long time to go in the money-making phase of your career? You can afford to take some risks. That bet on loads of small cap stocks seems much tastier when you're 25 than when you're 65. Time bails out a lot of investing mistakes. (Small companies grow faster than big ones over time, but are volatile in the short-run.)

A mutual fund advisory program helps set those ideal asset mixes. You let your advisor know what asset allocation makes the most sense for you. Then they put together a combo of mutual funds to achieve that predetermined mix.

It's like a barista at Starbucks...only in this case, the person helps you get the perfect mix of mutual funds, rather than the perfect mix of coffee, caramel flavor, and foam.