Tandem Top Select

Fixed Income

Objective: Capital preservation and returns through current interest income

Minimal volatility of capital

Time Horizon: 2yrs.+

Risk: Conservative-Low Risk

Fixed Income Plus

Objective: Capital preservation and returns through current interest income and some capital gains

Low volatility of capital

Time Horizon:2yrs.+

Risk: Conservative

Equity Income

Objective: Appreciation of capital through current interest income, dividend yield and modest capital gains

Moderate volatility of capital

Time Horizon: 2-3yrs

Risk: Conservative – Moderate

Balanced

Objective: Appreciation of capital through current interest income, dividend yield and significant capital gains

Medium volatility of capital

Time Horizon:3-5yrs

Risk: Moderate

Total Return

Objective: Substantial appreciation through interest income, dividend yield and significant capital gains

Above average volatility of capital

Time Horizon:3-5yrs

Risk: Moderate – Aggressive

Equity

Objective: Long term, substantial appreciation of capital. The major yield element is constituted by capital gains and dividends

High volatility of capital

Time Horizon:5yrs +

Risk: Aggressive