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for participants in the Microsoft Corporation 401(k) Plan
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DISCLAIMERS
No Plan Provider Liability All information and material in this
newsletter and on our company's website is provided as a service to Pariveda
clients and prospective clients. Pariveda has neither relationships with,
nor endorsements from, the companies whose 401(k) plans we monitor and
evaluate. Pariveda, Inc. retains sole responsibility for, and right to, all
content appearing in this newsletter and on the Pariveda website.
Company Stock Recommendations Pariveda may provide opinions, advice
and recommendations on a company's stock if the retirement plan includes it
as an investment option for plan participants. Investors considering
Parivea's stock-specific advice are advised that our views may differ
significantly from those expressed by other advisors or the company itself.
It is the investor's responsibility to evaluate Pariveda's advice, as well
as alternative sources of information and opinion, in the context of their
personal financial situation before coming to an independent decision on
whether the company's stock merits investement at any time.
Inside Information Plan participants are further advised that they
cannot purchase or sell company stock on the basis of material, non-public
inside information. Futhermore, as set forth in our "Insider Trading Policy"
if Pariveda employees or anyone affiliated with our company comes into
possession of inside information through relationships with individuals
affiliated with companies whose retirement palns we cover, we are restricted
from using that information on behalf of anyone, including Pariveda
clients.
No Implied Guarantees While we continually strive to add value
through our recommendations, historical model performance numbers noted in
this newsletter and on the company's website are not guarantees of future
results and should not be interpreted as such.
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MODEL PERFORMANCE
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Perfomance
Disclosures
Gross
Returns The returns
an individual following Pariveda's 401k Advisor recommendations would
have achieved independently.
Net-of-Fee
Returns
The
returns an individual would have achieved if Pariveda had managed their
account following the 401k
Advisor
model recommendations, net of advisory fees of 0.60% per year (our highest
standard fee).
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CURRENT MODEL PORTFOLIOS
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Model Portfolios - as of October 13, 2008
Submitted by bmurphy.
on 10-10-2008.
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INVESTMENT OPTIONS COMMENTARY
Model Portfolios - as of October 13, 2008
Submitted by bmurphy.
on 10-10-2008.
Model Trades - October 10, 2008
Submitted by bmurphy.
on 10-10-2008.
Quarterly Performance Review - October 10, 2008
Submitted by bmurphy.
on 10-10-2008.
Cumulative Performance - as of October 10, 2008
Submitted by bmurphy.
on 10-10-2008.
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MARKET COMMENTARY & THOUGHTS
Can We Just Get On With It?
Submitted by bmurphy.
on 07-13-2008.
Today's Opportunities - July 1, 2008
Submitted by bmurphy.
on 07-12-2008.
Today's Opportunities - April 1, 2008
Submitted by bmurphy.
on 04-13-2008.
Today's Opportunities - January 1, 2008
Submitted by bmurphy.
on 01-12-2008.
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