*As with any investment strategy, there is potential for profit as well as the possibility of loss. Asset allocation or diversification does not ensure a profit or guarantee against a loss. SFAS does not guarantee any minimum level of investment performance or the success of any portfolio or investment strategy. All investments involve risk and investment recommendations will not always be profitable. Past performance is no guarantee of future results. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost.