INVESTMENT PORTFOLIOS Pinnacle’s investment portfolios are designed according to strict criteria relating to market, sector/style, and fund analysis, as well as equity exposure limits. Portfolios consist of both equity and fixed income components. Based on our proprietary research and analysis, we invest in the leading funds for each of these components during both positive and negative market conditions. All of our portfolios have the flexibility to move into 100% defensive positions during extreme negative market conditions.   CONSERVATIVE - Preservation of capital     Up to 20% Equity   Up to 80% Fixed Income For investors with a short term horizon seeking income with limited growth potential. BALANCED - Preservation of capital with a growth component   Up to 40% Equity   Up to 60% Fixed Income For investors seeking stability with a portion of assets dedicated to modest growth.     MODERATE - Capital appreciation and preservation of capital   Up to 60% Equity   Up to 40% Fixed Income For investors willing to accept a moderate level of risk to achieve growth. GROWTH - Capital appreciation     Up to 80% Equity   Up to 20% Fixed Income For investors with a medium to long term horizon who are willing to accept moderately high levels of risk to achieve high growth.     AGGRESSIVE - Long term capital appreciation     Up to 100% Equity For investors with a long term horizon who are willing to accept high levels of risk to achieve maximum growth.