Seligman Time Horizon Matrix®

Asset Allocation Strategy

  • 31 target retirement models
  • Well-diversified exposure to domestic, international, and specialty asset classes
  • Underlying investments are actively managed mutual funds
  • Available to retirement plan participants through the Seligman Growth 401(k)
  • The models seek to provide a comprehensive investment and risk-management system based on the number of years until retirement
  • Each year participants in Seligman Time Horizon Matrix are moved from one Model to the next as they get closer to their goal – a process called Migration.

Results

Seligman Time Horizon Matrix -- 10 Years of Strong Performance vs. S&P 500,
7/1/98 - 6/30/08
Seligman Time Horizon Matrix Models Using Migration* Average Annual  Outperformance
(Underperformance) vs. S&P 500
Starting Model   Ending Model
Model 30 - Model 21 3.33%
Model 25 - Model 16 3.05%
Model 20 - Model 11 2.50%
Model 15 - Model 6 1.70%
Model 10 - Model 1 0.60%

* Based on the migrated 30, 25, 20, 15, and 10 Model Portfolios, beginning 7/1/98 through 6/30/08. For more information on the performance of the Seligman Time Horizon Model Portfolios, please see the Seligman Time Horizon Matrix Performance Update.

Investment Risks: The stocks of smaller and mid-capitalization companies may be subject to above-average market price fluctuations. Portfolios with fewer holdings may be subject to greater volatility than portfolios with a greater number of holdings. The products of technology companies may be subject to severe competition and rapid obsolescence, and technology stocks may be subject to greater price fluctuations, government regulation, and limited liquidity as compared to other investments. In addition, investments in one economic sector, such as technology, may result in greater price fluctuations than owning a portfolio of diversified investments. There are specific risks associated with global investing, such as currency fluctuation, foreign taxation, differences in financial reporting practices, and rapid changes in political and economic conditions. Fixed-income securities owned by a Fund are subject to interest-rate risk, credit risk, prepayment risk, and market risk. Because of the special risks involved with investing in securities of emerging market companies, an investment in the Fund should be considered speculative and not appropriate for individuals who require safety of principal or stable income from their investments. Real estate investment may be subject to specific risks, such as risks to general and local economic conditions, and risks related to individual properties. Investing in one economic sector, such as real estate, may result in greater price fluctuations than owning a portfolio of diversified investments. Fixed-income securities are subject to interest-rate risk, credit risk, prepayment risk, and market risk. High-yield securities are subject to a greater risk of loss of principal and interest than higher-rated, investment grade fixed income securities.

Performance data quoted herein represents past performance. Past performance does not guarantee or indicate future results. Please keep in mind that diversification does not assure a profit nor protect against loss in a declining market. Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Indices are unmanaged and are shown for comparative purposes only. The S&P 500 is a representative broad market index.

This information is authorized for use only in the case of concurrent or prior delivery of the offering prospectus of the Fund. You should consider the investment objectives, risks, charges, and expenses of a Fund carefully before investing. A prospectus containing information about a Fund (including its investment objectives, risks, charges, expenses, and other information about the Fund) may be obtained here. The prospectus should be read carefully before investing in a Fund.

The Seligman Funds are managed by J. & W. Seligman & Co. Incorporated (Seligman). The Seligman Mutual Funds are distributed by Seligman Advisors, Inc. Seligman Services, Inc. provides client services to Fund shareholders. Seligman Advisors, Inc. and Seligman Services, Inc. are wholly-owned subsidiaries of Seligman.

Distributed by Seligman Advisors, Inc.