CWM Funds Inc. provides expert advice and placement of mutual fund product on a non-discretionary basis. Client accounts are typically less than $500,000. The benefits of our services include:

• Unbiased access to all mutual fund offerings
• Asset allocation approach
• Regular rebalancing to achieve optimum rates of return
• Secure online access to your mutual fund portfolio

Mutual Fund Selection Process

We build a concentrated portfolio of approximately 6-8 mutual funds. We choose broadly based funds so that the portfolio manager has the freedom to move in and out of markets according to prevailing economic conditions. We will not choose sector-specific funds, such as precious metals, resources or Latin America, where the fund manager has limited investment opportunities, unless specifically asked to do so.

Our portfolios are based on an asset allocation approach, as opposed to an actively traded strategy. With mutual funds, the manager usually has the ability to create a more defensive position when markets are falling, and become more fully invested when markets are rising. We also avoid changing asset classes in response to market volatility as this defeats the fund manager's strategy and creates market-timing risk.

We do not feel that one can consistently determine when to purchase, or exit from a particular asset class. Therefore, once the client's appropriate asset mix is chosen, this will be rebalanced periodically when the portfolio becomes unbalanced. This has been shown to be the most effective way to achieve optimum rates of return over the long-term.

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