FundXpress
Upgrading At-A-Glance

FundXpress is the best illustration of how we at DAL Investment Company actually apply Upgrading to the $1.8 billion assets we manage. The division of the ranks into Buys, Holds and Upgrades reflects a great deal of research as well as our 35 year experience.

Upgrading in 3 Steps

1. Start with Class 3 Funds

Class 3 is our recommended class with our best long term performance record. Use these funds for the core of your portfolio.

2. Buy Funds Marked as "Buys"

The funds at the top of Class 3 in the green shaded areas are BUYs. We aren't recommending that you buy all of the funds in this area, instead, choose from among these highest ranked funds.

Find which funds are available at your broker and have a holding period (shown in the Redp, Redemption Fee, column) to your brokers.

3. Sell When Performance Falters

Keep these funds as long as they rank within the Buys or Holds. When the funds fall into the Suggested Upgrades area, it's a candidate for Upgrading. Sell the funds and invest the proceeds in the funds currently marked as "Buys".

Before selling, you may want to make sure you've are no longer face with any short term redemption penalties at your broker or from the fund. Taxable accounts should also consider any tax implications of selling a fund.

How Does FundXpress Perform?
We studied what would happen if an investor bought 5 top ranked Class 3 Funds, held them for 90 days and then used FundXpress to determine when to Upgrade the funds.

Download the complete NoLoad FundX User's Guide here.

Disclosures: NoLoad FundX is published by DAL Investment Company and incorporates our Upgrading strategy. Funds that are included in the newsletter are segregated into 4 risk classes based on historical volatility. As historical performance is not predictive, funds are reviewed periodically and may be moved to a different risk class if it is determined that recent performance justifies a change. Class 3 is our recommended risk category of higher quality no load mutual funds that have historically demonstrated a risk profile similar to that of the S&P 500. The universe of funds in Class 3 is not constant and includes both actively and passively managed funds. NoLoad FundX Class 3 is a model portfolio and does not reflect actual trading. DAL managed accounts experience different results.

Hulbert Financial Digest is an independent publication that tracks the performance of investment newsletters. Hulbert began tracking NoLoad FundX in mid 1980, and maintains a hypothetical portfolio by purchasing the 5 top rated funds from the first page of our newsletter in Class 3. He then holds these positions until he receives the next month's issue at which time he rebalances to that month's top 5 funds. Although fund imposed redemption fees are factored into the results, brokerage fees, taxes and any outside management fees such as those imposed by DAL Investment Company are not. If applicable, these additional costs would have a negative impact on one's actual returns.

As with all historical data, past performance is not an indication of future results. Investments in equity mutual funds such as those reflected in the performance figures above carry an inherent element of risk including the potential for an actual loss of principal. Hypothetical performance such as that shown above does not take into consideration a variety of real world factors including investment preferences or capital inflows and outflows and actual results may vary.

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