This document outlines five smart investing strategies: 1) Don't try to time the market by predicting rises and falls, instead focus on long-term growth through asset allocation. 2) Properly allocate assets across different classes like stocks, bonds, and cash equivalents. 3) Carefully select investments within each asset class. 4) Use dollar-cost averaging to reduce risk when investing a fixed amount regularly. 5) Rebalance your portfolio periodically to maintain your target asset allocation as some investments appreciate more than others over time. Following these strategies can help reduce risk and improve long-term returns.

1. 5 Smart Investing Strategies
Investment Matters

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5. Five Smart Investing Strategies
Don’t time the market
Asset allocation
Investment selection
Dollar-cost averaging
Rebalance your portfolio
Asset allocation
Investment selection
Dollar-cost averaging
Rebalance your portfolio

6. Fear, Greed & Market Timing
Buy Low
Sell High
BuyHigh
Sell Low
Best
Approach
Common
Approach
This illustration is a hypothetical example. It is not representative of any investment or combination of investments. Actual results will vary.

7. Missing the Mark
Source: Yahoo! Finance, 2014
Past performance does not guarantee future results. Individuals cannot invest directly in an index. Actual results will vary.
Number of Best Trading Days Missed
0
9.22%
5
7.00%
10
5.49%
20
3.02%
Standard & Poor’s 500
Average annual rate of return
(1994 to 2013)

8. The Power of Asset Allocation
8.5% is
determined by
other factors
Asset
Allocation
of performance is
determined by...
Source: Brinson, Singer, and Beehower, “Determinants of Portfolio Performance II: An Update.” The Financial Analysts Journal, 1991.
Past performance does not guarantee future results. Asset allocation is an approach to help manage investment risk. It does not
eliminate the risk of loss if security prices decline.

9. Diversification and asset allocation are approaches to help manage investment risk. They do not eliminate the risk of loss if security
prices decline. Past performance does not guarantee future results. Actual results will vary.
Cash
Equivalents
Bonds
Speculative
StocksFixed Interest
Selecting Among Asset Classes

10. The Investment Selection Process

11. A Long-Term Look at Performance
Source: Thomson Reuters, 2015. Past performance does not guarantee future results. Actual results will vary.
$20,000
$70,000
$60,000
$10,000
$50,000
$40,000
1994
2014
1996
1995
1998
1997
2000
1999
2002
2001
2004
2003
2006
2005
2008
2007
201120122013
2010
2009
$30,000
$10,000 Original Investment
$65,475
Stocks
$17,112
Cash
$39,370
Bonds

12. Source: Thomson Reuters, 2015. Past performance does not guarantee future results. Actual results will vary.
The Scoreboard: Which Asset
Class Had the Best Performance?
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
3.00%
4.86%
4.74%
1.80%
0.16%
0.13%
0.08%
0.07%
0.05%
0.03%
1.96%
4.57%
8.03%
-4.01%
18.39%
9.12%
8.27%
9.96%
-1.55%
7.48%
4.89%
15.80%
5.49%
-37.0%
26.46%
15.07%
2.12%
15.98%
32.4%
13.69%
StocksBondsCash

13. Dollar-Cost Averaging in a Falling
Market
This is a hypothetical example used for illustrative purposes only. It does not reflect the actual or expected performance of any invest-
ment product. Dollar-cost averaging does not guarantee a profit nor protect against losses.
January
February
March
April
May
June
$500
$500
$500
$500
$500
$500
Total Invested
Total Shares Purchased
Average Price per Share
Average Cost per Share
$30
$29
$28
$27
$26
$25
16.7
17.2
17.9
18.5
19.2
20.0
$3,000
109.5
$27.50
$27.39
Share
Price
Shares
PurchasedInvested

14. Dollar-Cost Averaging in a Rising
Market
This is a hypothetical example used for illustrative purposes only. It does not reflect the actual or expected performance of any invest-
ment product. Dollar-cost averaging does not guarantee a profit nor protect against losses.
January
February
March
April
May
June
$500
$500
$500
$500
$500
$500
Total Invested
Total Shares Purchased
Average Price per Share
Average Cost per Share
$26
$27
$28
$29
$30
$31
19.2
18.5
17.9
17.2
16.7
16.1
$3,000
105.6
$28.50
$28.40
Share
Price
Shares
PurchasedInvested

15. Source: Thomson Reuters, 2015. Past performance does not guarantee future results. Actual results will vary.
Balance Your Portfolio
Conservative
Cash
60%
Bonds
20%
Stocks
20%
Initial Investment: $100,000
Ending Value: $312,361
Best year: 15.3%
Worst year: -12.9%
Average year 6.1%

16. Source: Thomson Reuters, 2015. Past performance does not
guarantee future results. Actual results will vary.
Aggressive
Initial Investment: $100,000
Ending Value: $580,283
Best year: 29.6%
Worst year: -32.9%
Average year 10.6%
Balance Your Portfolio
Stocks
80%
Bonds
10%
Cash
10%

17. Rebalancing: Time And Intent
Source: Thomson Reuters, 2015.
This is a hypothetical example used for illustrative purposes only. It is not
representative of any specific investment or combination of investments. Past
performance does not guarantee future results. Actual results will vary.
1994
Bonds
60%
Stocks
53%
Stocks
40%
Bonds
47%
2014

18. Where Is Your Money?

19. Elements of Sound Investing
Strategies

20. Financial Matters SeriesFinancial Matters Series
You may be directed to third party sites which should not be viewed as an endorsement by us. We are not responsibilities for the
information on third party sites.Securities Offered by Triad Advisors, Inc. Member FINRA/SIPC. Advisory Services offered through
Wealth & Pension Services Group, Inc. Triad Advisors and Wealth & Pension Services Group are not affiliated entities.Important Risk
& Disclosure Information
Wealth & Pension Services Group, Inc.