Michael L. Schwartz, RFC, CWS, CFS, a registered principal
offering securities and advisory services through Independent Financial
Group, LLC., a registered broker-dealer and investment advisor. Member
FINRA-SIPC. Schwartz Financial and Independent Financial Group are
unaffiliated entities.
This information is provided for informational purposes
only and is not a solicitation or recommendation that any particular investor
should purchase or sell any security. The information contained herein is
obtained from sources believed to be reliable but its accuracy or
completeness is not guaranteed. Any opinions expressed herein are
subject to change without notice. An Index is a composite of securities
that provides a performance benchmark. Returns are presented for
illustrative purposes only and are not intended to project the performance of
any specific investment. Indexes are unmanaged, do not incur management
fees, costs and expenses and cannot be invested in directly. Past
performance is not a guarantee of future results.
* The Standard & Poor's 500 (S&P 500) is an
unmanaged group of securities considered to be representative of the stock
market in general.
* The DJ Global ex US is an unmanaged group of non-U.S.
securities designed to reflect the performance of the global equity
securities that have readily available prices.
* The 10-year Treasury Note represents debt owed by the
United States Treasury to the public. Since the U.S. Government is seen as a
risk-free borrower, investors use the 10-year Treasury Note as a benchmark
for the long-term bond market.
* Gold represents the London afternoon gold price fix as
reported by the London Bullion Market Association.
* The DJ Commodity Index is designed to be a highly liquid
and diversified benchmark for the commodity futures market. The Index is
composed of futures contracts on 19 physical commodities and was launched on
July 14, 1998.
* The DJ Equity All REIT TR Index measures the total
return performance of the equity subcategory of the Real Estate Investment
Trust (REIT) industry as calculated by Dow Jones.
* Yahoo! Finance is the source for any reference to the
performance of an index between two specific periods.
* Opinions expressed are subject to change without notice
and are not intended as investment advice or to predict future performance.
* Past performance does not guarantee future results.
* You cannot invest directly in an index.
* Consult your financial professional before making any
investment decision.
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