investing green

World Class

Target Allocationsm Program

Socially Responsible

Lighthouse Investments

What is Target Allocationsm?Being in the right place at the right time.

• Different than Asset Allocation

• Evaluated and Reallocated on a regular basis

• Not Market Timing

• 100% Mutual Funds

Socially Responsible

Lighthouse Investments

Regular Reallocation

• Based on performance-weighted

market and economic indicators

• Based on current economic

conditions

• Quarterly reallocation

Socially Responsible

Lighthouse Investments

Some of the Weighted Market Indicators Used for Reallocation

• Institute for Supply Management monthly report

• Goldman Sachs Commodity Index (GSCI)

• 2 to 10 Year Treasury Note Spread

• University of Michigan Consumer Sentiment

• Long Term Interest Rates

• Dollar Exchange Rate

• Federal Funds Rate

• Copper

• Gold

Socially Responsible

Lighthouse Investments

Portfolio Composition• Only mutual funds

• Market Sectors from fixed income to equity

• Allocated into the sectors that we feel will outperform during the next quarter

• Has varied from 100% equity to 100% fixed income

• Most quarters are predominantly comprised of equity sector investments

Socially Responsible

Lighthouse Investments

Portfolio Decision Making

1. Weighted economic and market indicators

2. Screen total available funds using Morningstar

3. Various performance and risk measures are used to determine funds (annual performance, Morningstar rating, Sharpe

ratio, and average annual performance)

4. Screen each fund if Socially Responsible or Values Based portfolio

5. Evaluate prospectuses to determine minimum holding period and possible redemption fees

Socially Responsible

Lighthouse Investments

Available Portfolios

• Aggressive Growth

• Moderate Growth

• Conservative Growth

• Balanced

Socially Responsible

Lighthouse Investments

Target Allocation Models

• Socially Responsible (Green) Target Allocation

• Values Target Allocation

• Fundamental Target Allocation

Socially Responsible

Lighthouse Investments

Socially Responsible Portfolios commonly referred to as Green or

Environmentally Friendly

Socially Responsible(Green)

Target Allocation

Socially Responsible

Lighthouse Investments

Potential Screening Criteria

Portfolios composed of mutual funds

identified by Morningstar as Socially

Responsible verified by investigation of

company website and prospectus.

Socially Responsible

Lighthouse Investments

A Systematic ApproachTo all

Aspects of Portfolio Management

Socially Responsible

Lighthouse Investments

Focus on Continuous Improvement

in Portfolio Returns and Risk

Control

Socially Responsible

Lighthouse Investments

Questions?

Money Concepts International, Inc.11440 N. Jog Road

Palm Beach Gardens, FL 33418

Tel: 561.472.2000

www.moneyconcepts.com

All Securities through Money Concepts Capital Corp. Member FINRA/SIPCMoney Concepts Advisory Service is a Registered Investment Advisor with the SEC

All Non Securities and Non Advisory Products through Money Concepts International, Inc.

Providers of Financial Services Since 1979