Asset Allocation Overview
		Conservative	Moderate	Balanced	Growth	Aggressive Growth
Investment Goals		-Steady Income -Capital Preservation	-Capital Preservation -Earnings primarily through steady income	-Real Term capital and long term capital growth through steady income and capital gains.	-Long-Term Capital growth with emphasis in capital gains	-Long Term Growth through capital gains
Risk Acceptance		-Low level of risk -Low fluctuation	-Below average Risk -Relatively Low Fluctuation	-Average Risk -Average Fluctuation	-Below average Risk -Greater Fluctuation	-High Risk -High Fluctuation
Asset Allocation Strategy		-Cash and Bonds	-Overweight liquidity and Bonds over Equities.	-Equities are slightly overweight compared to cash and bonds	-Equities are overweight compared to cash and bonds	-Cash and Equity
Expected Return		4.76%	6.70%	8.40%	10.10%	11.37%
Standard Deviation		6.83%	12.14%	19.81%	22.08%	11.37%
Benchmark
		5% 95% 0%	5% 60% 30%	5% 40% 55%	5% 15% 70%	5% 0% 95%

Diversification

Selecting the Appropriate Manager

Pool of Managers:
StateTrust supports a large database of the world’s most qualified managers across more than 20 asset classes. Managers from a pool of 5,000 are categorized according to their investment style and performance is measured against 100 specialized benchmarks.

To obtain the highest probability of superior returns, historical performance is analyzed under different market conditions with emphasis on risk adjusted returns. Once this quantitative analysis is conducted, as a client, you will have direct contact with the prospected manager.

Professional Money Managers are evaluated:

		At StateTrust, our Investment in research and data supports a large database of the world’s most qualified managers across more than 20 asset classes.
		Managers from a population of 5,000 are categorized according to their investment style, and performance is measured against over 100 specialized benchmarks.
		To attain the highest probability of superior returns, historical performance is analyzed under different market conditions with emphasis on risk adjusted returns.
		Once this quantitative analysis is completed, comprehensive qualitative analysis is conducted encompassing the manager’s strategy, procedures, conformity to style, staff and resources.