Alpha measures a fund's risk-adjusted performance and is expressed as an annualized percentage.

Diversification cannot assure a profit or protect against loss in a declining market.

Past performance is no guarantee of future results, which will vary.

Unlike fixed income mutual funds, which incur more risk, CDs offer a fixed rate of return, and the interest and principal on CDs generally are insured by the FDIC up to $250,000.

Treasury Securities are backed by the full faith and credit of the United States government as to payment of principal and interest if held to maturity.  Interest income on these securities is exempt from state and local taxes.