Shareholder Letter Winter 2018

How Will You Reach Your Goals?

Dear Fellow Shareholders,

What’s the best way to reach your investment goals? This is a question most investors should revisit over time as stock and bond markets change and especially as their lives change.

With stock markets hitting record highs, you might consider different ways to get more fully invested. Or perhaps you’re starting to think about working with an advisor who can get you back on track and help you avoid mistakes.

In this issue of The Upgrader, you’ll learn three ways you can move forward given current market conditions, including getting more fully invested, preparing for changing markets, and deciding how to best manage your investments.

Step Back into the Market

If you’ve got cash on the sidelines because you’re worried about stock market declines, consider investing in flexible income. Click here to see how bonds could help you increase your potential returns and why some bond funds may be better prepared for rising interest rates.

Three ways bond markets could change

Rising interest rates are a major concern for bond investors, and they could affect the bond market in different ways. Click here to read about three possible changes and what they could mean for your portfolio.

Take charge of your financial future

Should you manage your own portfolio of funds or have it managed for you? Click here to find out how to think through this important decision.

As an investor in the Upgrader Funds, you have my team and I working to help you build wealth, navigate changing markets and reach your lifelong investment goals. If you have questions about our approach or want to talk about your goals and concerns, please give us a call at 1-800-763-8639 and ask to speak with an advisor.

Janet Brown
President, FundX Investment Group

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