Select a Portfolio That's Right for You

In addition to the FundX Upgrader Funds, there are nine FundX Upgrader Fund Investor Models. The models combine two or more of the FundX Upgrader Funds so you get a portfolio that's right for your particular investment goals.

While we believe the four original FundX Upgrader Funds meet the needs of many investors and can be complete portfolios of mutual funds on their own, we want investors to have the ability to customize the risk and potential reward of their Upgrading portfolios.

When you invest in a FundX Upgrader Fund Investor Model, your portfolio is automatically rebalanced back to the original allocations so you don't take on more risk than you initially intended.

How Do I Choose a Fund or an Investor Model?

Our Investor Questionnaire can guide to you a fund or an Investor Model that may be right for you. It considers the time you plan to be invested and your tolerance for risk.

It may also help you to know the potential risk and reward trade off for each model and each of the single fund solutions. In The Upgrader, you'll find returns for the trailing quarter, year and since inception, as well as maximum drawdowns. Maximum drawdown is the worst "peak to trough" loss over any consecutive time frame.

Guide to the FundX Upgrader Fund Investor Models

	Model Allocations	Model  Name	DESCRIPTION
	Aggressive An aggressive investor has a long-term outlook and is willing to accept substantial risk to pursue higher returns. This investor is comfortable with portfolio volatility and willing to withstand even severe market corrections.
	HOTFX	Single fund solution	The aggressive portfolio options are all 100% equity portfolios. These portfolios may include a substantial allocation to more speculative equity funds.
	30% HOTFX 70% FUNDX	A1
	Growth A growth investor is interested in accumulating wealth over time rather than generating current income. This investor has long-term goals and is willing to withstand significant market fluctuations, but not willing to take on as much risk as an aggressive investor.
	FUNDX	Single fund solution	FUNDX, a single fund solution for growth investors, is similar to the Monthly Upgrader Portfolio in the NoLoad FundX newsletter. It is fully invested in equities with limited exposure to speculative equity funds. The G1 and G2 models are comprised primarily of core growth funds with a limited exposure to income-oriented funds with an aim of dampening risk.
	25% HOTFX 50% FUNDX 25% RELAX	G1
	20% HOTFX 50% FUNDX 30% INCMX	*G2
	Moderate A moderate investor seeks a balance between equity funds for long-term growth and income funds to dampen market volatility. This investor must be willing to assume some risk of possible loss of principal in order to reach long-term goals.
	RELAX	Single fund solution	The moderate portfolio options all offer a balance of equities and fixed income. Equity exposure in these models comes primarily from diversified equity funds. The models have very limited exposure to more speculative equity funds. INCMX aims to buffer market swings. INCMX ranges from 50-70% of these portfolios.
	10% HOTFX 40% FUNDX 50% INCMX	*M1
	10% HOTFX 30% FUNDX 60% INCMX	*M2
	35% FUNDX 65% INCMX	*M3
	15% HOTFX 15% FUNDX 70% INCMX	M4
	Conservative A conservative investor seeks more stable capital growth. This investor is cautious and wants to avoid substantial volatility, but is willing to accept some short-term risk and fluctuation in portfolio value.
	10% HOTFX 10% FUNDX 80% INCMX	C1	The conservative portfolios have at most 20% exposure to equities, with a deep cushion from INCMX. INCMX is a total return portfolio that includes balanced funds along with diverse bond and fixed-income oriented funds designed to generate consistent returns.
	10% HOTFX 90% INCMX	C2
	INCMX	Single fund solution

* The allocations for these models changed as of January 1, 2008. Previously, these models included the FundX Conservative Upgrader Fund (RELAX).

Rebalancing

Direct shareholders can have their portfolio rebalanced automatically each quarter for free. Call 866-455-3863 and ask to have your account assigned to one of these nine pre-designated models.
All of these options involve some risk of principal loss. Depending on your goals, time frame, and personal inclination toward risk, you may find an option that is right for you, or for a subset of your overall investments. Consult an investment advisor for advice and information on your particular situation. Neither the Fund nor any of its representatives may give investment advice.

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