The Banner Plus -  The Banner PLUS is a less aggressively traded portfolio for the investor looking for higher returns in a more fluid market environment. Responding to changing market trends, this portfolio holds 4-5 NTF mutual funds focused on special market sectors. Run at Fidelity, it follows an investment strategy similar to the Banner Supreme but draws from a different fund list due to Fidelity's higher transaction costs.

 The Banner Supreme -  The Banner Supreme is our most aggressive portfolio choice, focused solely on high return. Mutual fund positions are sometimes held for short periods of time only. Typically about 40% is invested in an index type fund of the currently dominant index. A 20-25% portion will be in the market sector currently leading (e.g. tech, health, finance, retail) and 20-25% will go to a "special opportunity"--what research determines to be a special segment of the market that deserves attention. Any remaining monies are either in a strong U.S. diversified fund if the market is trending or in cash waiting for the next "special opportunity".