Asset allocation models are provided for informational purposes only.  Investors interested in using these asset allocation models should consult an investment advisor who can provide individualized advice on how to employ the models and what investment vehicles may be appropriate to use inside of them. Any performance noted is model performance; it is not specific to any given investor or composite of investors. Past performance is not a guarantee of future performance. Saratoga's asset allocation models are subject to change without notice. 

All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss. There is no guarantee that any particular asset allocation or mix of asset classes will meet your investment objectives or provide you with a given level of income.

Information herein was obtained from recognized statistical services and other sources believed to be reliable; however, we cannot make any representation as to its completeness or accuracy.