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MODEL BANK DEPOSITS PORTFOLIO [FDIC-Insured Banks]

Model portfolio holding FDIC-insured bank products.
Corus Bank 1-year CD 4.60% APY
Bank Mutual money market account 3.75% APY
AmTrust Direct Savings account 4.00% APY
2007 Portfolio Return 5.43%
2008 Portfolio Return 3.22%
Current Yield 4.11%
Risk Categorization: Extremely low
Posted 9/25/08

MODEL MONEY FUNDS PORTFOLIO [Mutual Fund money markets]

Model portfolio holding mutual fund money markets which in turn hold short-term debt obligations. Net asset value of funds $1. Not FDIC-insured.
Dreyfus Basic MMF 2.42% yield* $25,000 minimum
TIAA-CREF MMF 2.51% yield* $1,000 minimum
Fidelty Cash Res MMF 2.54% yield* $2,500 minimum
Fidelity MMF 2.55% yield* $3,000 minimum
* 7-day effective yield which included compounding of dividends
2007 Portfolio Return 4.95%
2008 Portfolio Return 3.05%
Current Yield 2.46%
Risk Categorization: Extremely low
Posted 9/25/08

MODEL COMMERCIAL PAPER PORTFOLIO [Commercial paper, corporate notes]

Model portfolio holding debt obligations of corporations which are available directly to individual investor. Not FDIC-insured.
GE Capital Plus Notes 3.35% yield* AAA rating from S&P, liquid, 50K minimum
Ford Interest Advantage 4.28% yield* B-3 rating from S&P, $50,000 minimum
* 7-day effective yield which included compounding of dividends
2007 Portfolio Return 5.57%
2008 Portfolio Return 3.08%
Current Yield 3.83%
Risk Categorization: Moderate
Posted 9/9/08

MODEL BOND FUND PORTFOLIO [Government bond funds]

Model portfolio holding government bond funds.
JP Morgan Treasury and Agency Select (OMBAX) 4.78% yield Holdings government agency paper and Treasuries. Average maturity 4.5 years.
Vanguard Short Term Treasury (VFISX) 3.73% yield Holdings 94% U.S. Treasuries. Average maturity 2.4 years
2007 Portfolio Return 4.69%
2008 Portfolio Return 2.99%
Current Yield 4.26%
Risk Categorization: Low to Moderate
Posted 9/9/08
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