AlphaProfit Sector Investors' Newsletter: Your Investing Plans for 2009

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AlphaProfit Newsletter: December 22, 2008 Bulletin

Subject: Your Investing Plans for 2009

Dear Valued Subscriber,

Investors commonly take the year-end period to make their financial plans for the year ahead. The crash in equity prices has led many investors to ponder on their financial future and prompted some of them to contact us. I am sending this letter to outline steps that can help you in your planning and describe where AlphaProfit can help.

Year 2009 has the possibility of being a year of substantial opportunity or unmitigated challenges. With unprecedented level of panic seen in November, it is conceivable that 'the bottom' was made. Similarly, a prolonged recession that results in materially lower equity prices is not out of question. As such, it is prudent to think carefully about the amount you allocate to equities in your investment portfolio.

Understand what you are saving for: To start with, it is useful to think about the purpose of your savings, e.g., whether it is for your retirement, your children's education, or to build your wealth. This can help bring clarity on your investment time horizon. The longer the investment time horizon, the higher the amount of risk you can usually tolerate.

Review your equity allocation: Equity allocation normally depends on factors such as investment objective, risk tolerance, and investment time horizon. To adjust this for current conditions, you can consider the following:

• It is prudent for most investors to keep in cash monies needed for the near-term, say the next two years.

• Investors saving monies for a longer-term need say three years or longer, can invest part of them in equities.

• Financially secure investors with a multi-decade investment time horizon or commitment to purchase equities on a regular basis can consider increasing their equity allocation to take advantage of attractive valuation.

How AlphaProfit can help: Our commitment to you is to offer compelling, fact-based investment ideas for the equity portion of your portfolio. The AlphaProfit Focus and Core model portfolios have gained 31.5% and 9.3%, respectively since their inception on Sep. 30, 2003. The average large domestic mutual fund and S&P 500 benchmark in comparison have gained 0.8% and lost 1.4%, respectively during the same period.

The Core and Focus model portfolios owe their success to the consistent use of AlphaProfit's ValuM investment process. The ValuM process has enabled subscribers to score market-beating wins from wireless and energy service investments in recent years. It has also helped them avoid direct hits from 2008's weaker performers in finance and consumer discretionary sectors.

The performance of the Core and Focus model portfolios through good and challenging times increases our confidence that we can help you attain your long-term financial goals.

The Core and Focus model portfolios will be repositioned on Wednesday, December 31. I look forward to sharing AlphaProfit's investment ideas with you then.

With best wishes for a blessed holiday season,
Sam Subramanian
AlphaProfit Investments, LLC
Ideas. Insights. Results.
http://www.alphaprofit.com

Notes: The AlphaProfit Sector Investors' Newsletter™ is for information purposes only. AlphaProfit Investments, LLC is not soliciting any subscriber to buy or sell any security. Nothing herein should be construed as an offer to buy or sell securities or to give individual advice on investing. Before buying or selling any mutual fund, exchange-traded fund, security, or investment, read the prospectus carefully. For securities held in brokerage accounts, read the broker's specific terms and conditions which apply to trading of the securities. AlphaProfit Investments, LLC cannot and does not give any assurance that the present or future model portfolio changes will be profitable. Past performance is not a guarantee for future results. Factual material is obtained from sources believed to be reliable and is provided without warranties of any kind. AlphaProfit Investments, LLC is not responsible for any errors or omissions. AlphaProfit Investments, LLC neither is associated with nor receives any compensation from any of the mutual fund companies, brokers, or entities connected with the exchange-traded funds mentioned in the newsletter. Please review our Terms and Conditions of Use and Subscriber Agreement which is available on our website at www.alphaprofit.com; they govern your relationship with AlphaProfit Investments, LLC, including, but not by way of limitation, use of this newsletter. No part of the AlphaProfit Information may be reproduced or re-transmitted in any manner without written permission of AlphaProfit Investments, LLC.