The investment policy concentrates on three broad areas:

• Growth of capital - the policy pursues high level return on the investments through the appreciation of capital. The growth of capital policy presumes investing in securities having higher growth potential. Among those are various tech stocks, stocks of currently undervalued corporations (including large and medium-size entities), shares of mutual fund investing in undervalued sectors, stock options, and other derivatives. The risk of the investments may be substantially higher than those of investments in securities being purchased under terms of the income of balanced investment policies.
• Income - the objective here is to provide current income through investing in moderately risky or no-risk securities including bonds, certificates of deposit, and money market. The income level derived from the investments is planned to be higher than the inflation rate though it may from time to time plunge below the inflation rate due to changes in interest rates effected by the Federal Reserve System, downgrades of the issuers' credit ratings, worsening of the issuers' profitability, and other reasons which add up to systematic and specific risks.
• Balanced - this approach pursues a reasonable rate of return through a combination of investments appropriate for implementation of growth of capital and income policies. This portfolio may include investments in undervalued stocks and derivatives as well as investments in bonds, certificates of deposit, and money market funds. The portfolio tend to provide higher diversification though the portfolio value may decrease from time to time due to systematic and specific risks.