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IMS Investment Suitability

Risk of loss is associated with all investment strategies, including the IMS Income and IMS Growth strategies. The objective of the following discussion is to help investors assess the risk of the IMS strategies with respect to their personal circumstances.

Contact IMS should you wish to discuss a change in your investment position(s), whether to reduce your level of risk, increase your level of risk, or maintain your current level of risk.

The risk that IMS associates with IMS Income and IMS Growth is based on the risk illustrated by their respective 23-year performance histories, including their lowest three calendar year performances stated below.

Over the last twenty-two years the three lowest calendar year performances of the IMS Income program as measured by the Initial Account were: +1.4% in 2008, -2.4% in 2015, and -1.1% in 2018.

The three lowest calendar year performances of the IMS Growth program as measured by the Initial Account were: -10.2% in 2002, -26.8% in 2008 and -4.9% in 2011.

The lowest calendar year performances of the S&P 500 Stock Index were -13.0% in 2001, -23.4% in 2002 and -38.5% in 2008.

Be aware that all investments are subject to catastrophic events, such as those associated with nature, geopolitical conflicts (including war), or a failure of the international financial system. The degree of loss would depend on the nature of the event but could be total—a loss of 100%.