Many investors have also been voicing concerns over the safety of money market funds.  Spectrum’s Tactical Investment Strategy utilizes various money market funds as cash or cash equivalents to mitigate the risk of an unsafe or treacherous market environment. Most money market funds are invested in U.S. Government Money Market Funds that seek to achieve their investment objectives by investing in high quality, U.S. dollar denominated short-term obligations exclusively issued or guaranteed by the U.S government and its agencies, U.S. government-sponsored enterprises and repurchase agreements that are fully collateralized by such obligations.  In order to maintain a stable share price, the U.S, Government Money Market Fund maintains an average dollar-weighted maturity of 90 days or less. Though there is no guarantee of principle, investments in these money market funds are of the highest quality paper issued or guaranteed by the U.S. government and its agencies. Accounts held at a brokerage or bank may be protected by the Securities Investor Protection Corporation (SIPC) www.sipc.org which provides up to $500,000 for securities in a client’s account and up to $100,000 for cash balances in the unlikely event that the clearing firm would not be able to meet its financial obligations. Additionally, some may have protection by the Federal Deposit Insurance Corporation (FDIC) www.fdic.gov which provides up to $100,000 per depositor, per bank and Individual Retirement Accounts up to $250,000 per depositor, per insured bank.

For further information please click on the following links:

	Direxion Funds
	Schwab
	Rydex Financial Services
	Fidelity Advisor
	TD Ameritrade

Spectrum Financial Inc.
2940 N. Lynnhaven Road | Suite 200 | Virginia Beach, Virginia 23452
Tel: 757-463-7600

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Behind Our Strategies

Spectrum Financial's investment strategies are based on trend following, momentum, relative strength and seasonal models.

Trend following strategies seek to identify changes in the market's direction soon after the change occurs through a series of technical indicators.

Momentum models seek to identify asset classes that are gaining appreciation faster than other segments of the market with the objective of investing in the fastest growing asset classes.

Relative strength strategies measure how an asset class has performed relative to the overall market and other asset classes.

Seasonal strategies are based on determining specific days of the week, intervals of the month and/or times of the year that are favorable to a rise in the financial markets or specific asset classes.

Regardless of how well an indicator or model has worked in the past, there will be periods of underperformance. This is why we maintain that a well managed portfolio should not only include asset diversification, but also diversification of investment strategies.