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As the name implies, CFS' focus on mutual funds and the mutual fund industry. THe Institute of Business & Finance, formerly known as the Institute of Certified Fund Specialists, provides training in a variety of mutual fund topics, including portfolio theory, dollar-cost averaging and annuity topics. Over 13,000 mutual funds are offered in the United States alone. There are more than three times as many mutual funds as there are stocks listed on the NYSE. Over 30% of all households own shares of at least one fund.

What this means to the Investor

Confused by the ever-increasing number of investments available and concerned about achieving financial security, more and more investors like yourself are seeking the advice of professionals. Their concerns and increasing awareness about mutual funds and annuities will motivate them to seek an advisor who has credibility of a sound education and a commitment to professionalism - the Certified Fund Specialist.

An Exclusive Group

There are several hundred thousand people who are licensed to sell mutual funds; less than 1% of them have earned the CFS designation.

The Keys to Your Financial Goals

Aside from a complete educational background, the program provides the CFS with proven tools for implementing an effective investment plan and providing ongoing services. This begins with data gathering techniques to gain a complete understanding of your goals and concerns.

The CFS may then utilize sophisticated methods of evaluating and screening funds for a diversified portfolio to meet your particular needs. This involves advanced statistical techniques of asset management, known as Modern Portfolio Theory, that seek to provide higher returns with lower risk. Dollar cost averaging, systematic withdrawal plans and portfolio rebalancing are other techniques at their disposal.



 

 SAI Financial Services Inc.

 315 South Wheaton Avenue 

 Wheaton Illinois 60187-5209

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