Once you have established a sound personalized investment mix by selecting the funds that are right for you, it is important to periodically review your financial strategy to ensure that, regardless of any changes in your personal situation or significant changes in market conditions, you remain on track to achieving your goals.

Here are a few questions that you may want to ask yourself on a regular basis:

• Have there been or do you anticipate any significant life changes that may affect your capacity to save (such as starting a family, the expense of a child's education, a loss of income)?
• Have you changed your financial goals?

If you experience a change in your personal situation, you should consult your Financial Representatives to discuss your options.

Keep in mind that although no changes may occur in your personal situation, your Investment Time Horizon will change, and as it shortens, short-term price fluctuations will have a greater impact.

	Financial markets are quite unpredictable during shorter periods largely due to the role of investors' expectations. However, over the long term, investment fundamentals such as interest rates, inflation, and corporate earnings drive the markets up. Strong performance in the markets can have an effect on the breakdown of your funds.