SIMM Advantages and Advisory Fees:

Advantages Based on Nobel Prize Winning concept of Modern Portfolio Theory Uses No-Load Schwab Index Funds (No Front or Back-End Loads) No Commissions or 12b-1 fees Lower Portfolio Turnover (16% versus 85% for most mutual funds) Lower Trading Costs (Less Turnover) Lower Expense Ratio (.35% versus 1.27% Equity Fund Average) Lower Capital Gains Taxes (Less Trading) 100% Liquid, get money within 3-4 business days Complies with American Law Institute’s “Prudent Investor Rules” Broader Diversification than a typical portfolio of mutual funds Provides the Protection of Dissimilar Price Movement Diversification

Advisory Fees per Year

$3K to $249,999 .75% Next $250K to $499,999 .50% Over $500K .25% Over $2M .10%
These fees plus the annual operating expenses of the SIMM portfolios (.35%) result in 1.1% in annual operating expenses which is still less than the equity fund average of 1.4% and these expenses have been climbing. We automatically apply the advisory fee to your account on a quarterly basis.

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	SIMM Advantages and Advisory Fees
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