1st --- The information contained in these articles is for general information purposes only and is based on the perspectives and opinions of the owners and writers. It is derived from various sources and is subject to change without notice. Every effort has been made to compile this material from reliable sources; however, no warranty can be made as to its accuracy or completeness. Before acting on any of the above, please contact me for individual financial advice based on your personal circumstances. Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. Mutual funds are not guaranteed, their values frequently change and past performance may not be repeated. Please read the prospectus and the fund facts before investing.