Capital Preservation - The Capital Preservation ETF Fund primarily seeks capital preservation and some current income. While not likely to generate the returns of a growth oriented portfolio, it should be less volatile over time.

Income – The Income ETF Fund seeks current income and, to a lesser extent, capital appreciation. While not likely to generate the returns of a growth-oriented portfolio, it should be slightly less volatile over time. Appropriate for investors with a relatively short amount of time until retirement and/or a relatively low tolerance for risk

Income & Growth – The Income & Growth ETF Fund seeks both current income and capital appreciation. The portfolio strikes a balance between a moderate need for income, and a longer term need for capital appreciation. Investment risk and the volatility of portfolio returns will be greater than income portfolios. Appropriate for investors with a reasonable long amount of time until retirement and/or a moderate tolerance for risk.

Growth – The Growth ETF Fund seeks capital appreciation, and may generate some income. The returns of this portfolio have the opportunity to be higher than a portfolio with a sole focus on current income, but less than that of a portfolio focused on aggressive growth. Investment risk and the volatility of portfolio returns will be greater than Income & Growth Collective Fund. Appropriate for investors with a long amount of time until retirement and/or reasonably high tolerance for risk.

Aggressive Growth – The Aggressive Growth ETF Fund seeks capital appreciation. This Fund will generally be 100% invested in equities, thereby increasing risk exposure. The returns of this portfolio have the opportunity to be higher than a portfolio with a focus on current income. Investment risk and the volatility of portfolio returns will be the greatest of the Avatar Funds. Appropriate for investors with a long amount of time until retirement and/or a reasonably high tolerance for risk.