Rising Dividend/Total Return Portfolio

The objective of the Dividend Income/Total Return Portfolio is to provide consistently rising income that’s greater than the yield offered by the S&P 500. This portfolio is appropriate for investors seeking both growth and income through investment in common stocks. The Dividend Income/Total Return strategy concentrates solely on finding defensive, mature, well-managed, financially solid companies capable of consistently increasing dividends at rates that can help investors keep ahead of the rising costs of living, i.e., inflation. These companies exhibit:

• Market leadership with high barriers to entry
• Solid financial condition with strong balance sheets
• Dividends well-covered by cash flow and earnings
• The potential to raise dividends consistently year after year

A diversified mix of rising dividend companies can provide a defensive ballast to an investment portfolio. The Rising Dividend/Total Return Portfolio offers investors the potential not only to provide a current income stream but one that can increase over time, while offering a prudent way to participate in the wealth building offered by the stocks of high quality companies over the long term.