Whether you're saving for retirement or your child's college education, keep this statistic in mind: More than 90 percent of an investment portfolio's return is a result of how investments are spread among different classes of assets.*

In investment lingo, this means that allocating your funds in various assets -- or diversifying your portfolio -- may allow you to achieve stronger returns on your overall investments. The theory behind this strategy is that when some markets experience decline, others may move in a positive direction and provide some downside protection. To diversify your portfolio, consider including an array of investment vehicles, such as stocks, bonds, annuities and money market accounts. How much you invest in each asset class will depend on your tolerance to risk, as well as your present circumstances, objectives, time frame and age.

If you are unsure about the ideal mix of investments for you, the investment representatives at LaSalle Financial Services can help you devise an investment plan tailored to your individual needs. For more information, call 1-888-LFS-1200.

*Source: Financial Analysis Journal, May-June 1991

NON-DEPOSIT INVESTMENT PRODUCTS NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE   Securities and annuities offered through ABN AMRO Investment Services, Inc., a registered broker/dealer, member NASD, SIPC and a licensed insurance agency. Early withdrawal from annuities may result in surrender charges and tax penalties.