What Your Mutual Fund
Test Score Means

Now that you've taken our Investor Profile Test, the chart below will
help you determine your "risk preference" and the category of Mutual
Funds that might be right for you.

Here's A Basic Rule: To get higher returns, you must take higher risk.
Some funds invest very conservatively, while others take more risk in
pursuit of higher gains. So, to choose the fund that matches your goals,
you'll need to consider how much risk you can afford.

INVESTOR PROFILE CHART

If Your Test Score is...

Under 12 Points: Very Conservative Profile
You may want to consider meeting your goals with
Money Market Funds
Tax-Exempt Money Market Funds

12 to 26 Points: Conservative Profile
You may want to consider meeting your goals with
Government Bond Funds
High-Grade Corporate Bond Funds
High-Grade Tax Exempt Bond Funds

27 to 42 Points: Moderate Profile
You may want to consider meeting your goals with
High-Yield Corporate Bond Funds
High-Yield Tax Exempt Bond Funds
Income Funds
Balanced Funds
Growth-and-Income Funds

43 to 50 Points: Aggressive Profile
You may want to consider meeting your goals with
Growth Funds

Over 50 Points: Very Aggressive Profile
You may want to consider meeting your goals with
Aggressive Growth Funds

Next Steps:


This chart is for your information only. Your total score does not recommend a
particular investment, nor does it guarantee that any investment will achieve its
investment objective. Investments are not deposits and are not insured or
guaranteed by the FDIC, or any other government agency. Investments involve
investment risks including the possible loss of your principal amount. Always
ask for a prospectus and read it carefully before you make any investment in a
mutual fund.

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