Investment results are produced through a constant focus on market and sector risk with cash and inverse funds used to effectively manage volatility Domestic sector risk analysis and worldwide capital diversification may be more important than individual stock selection Total Return is defined by viewing capital appreciation as a component of income and treating cash as an asset class Strategically risk managed Total Return and Equity blended portfolios may provide better return than traditional "Balanced" stock and bond investing Risk managed Total Return may offer superior returns to straight bond investing High cost investment management may be a serious deterrent to long term performance