Monetta Young Investor Fund-Fund Overview

• LOW MINIMUM, NO-LOAD FUND INVESTMENT
An account can be opened for $100 by establishing an automatic investment plan (AIP)* of $25 per month or with a $1,000 deposit. The Fund is no-load (A mutual fund that does not charge a fee for buying or selling its shares).

• ENCOURAGE FINANCIAL LITERACY
Monetta believes that involvement in the investment process develops good financial habits that will last a lifetime. This process begins with an age-based financial kit, quarterly newsletter and various educational games and activities where kids can win prizes or earn awards.

• ACCUMULATE COLLEGE TUITION REWARDS
As a Monetta shareholder and/or as a custodian on a student's account, you will automatically receive one-time 500-Point Tuition Reward bonus when you enroll as a sponsor in the SAGE program. Every student whom you register in the program will also receive a one-time, non-transferrable 500-point bonus. Each point is worth $1.00 in guaranteed minimum scholarships from a participating member school. Through your enrollment in Monetta Tuition Rewards, you will be able to generate discounts of up to one full year's tuition for each of your registered beneficiaries at participating colleges. There is no cost to enroll.

The 500 Tuition Rewards points can be utilized by your children, grandchildren or any other relative whom you register. Think of Tuition Rewards as similar to "frequent flyer miles", that do not affect financial aid, and are non-taxable points which are separate from your investment account.

While your Monetta account is active, each registered student will receive non-transferrable points every year on his/her birthday according to the following schedule:

Ages 1 through 11            500 Tuition Reward Points
Ages 12 through 14            750 Tuition Reward Points
Ages 15 through 17*      1,000 Tuition Reward Points

Each participating student, is only allowed one set of Tuition Reward Points per birthday. Multiple sponsors will not result in additional accumulation of Tuition Reward Points.

* The Last date for student rewards to be earned is the 17th birthday, or August 31st of the year the student begins 12th grade - whichever is sooner.

• SEEKS TO PROVIDE COMPETITIVE INVESTMENT PERFORMANCE**
Most investment managers are not willing to acknowledge the fact that it is difficult to consistently exceed index fund returns. According to Travis Morien, an independent financial planner, “…it is mathematically impossible for everyone to be above average. No matter what the average is, there must always be a distribution such that half of all people (or in the case of investing, the managers of half of all invested dollars) would be below average”.

Historically, index funds outperform roughly three quarters of all active investment managers, after fees. On average, over the past 15 years ending 12/31/01, a diversified portfolio of active funds underperformed the S&P 500 Index by approximately 3% per year. The major cause of underperformance relative to the index are the management fees and the cost of trading an active portfolio. Trading costs are not included in a fund's expense ratio, however,these costs can represent as much as 1.6% annually based on a fund turnover of 100%.

Themed/Specialty Funds, historically, have also struggled with long-term performance relative to the index due to the same factors that affect an active investment approach and, in addition, a portfolio that lacks overall sector diversification.

Accordingly, Monetta believes that to generate long-term returns that seek to exceed the index, a symbiotic investment approach is required that combines an active and passive investment approach.

Therefore, the Monetta Young Investor Fund invests approximately 50% of it’s portfolio in Exchange Traded Funds (ETF's)*** that track the Standard & Poor’s 500 Index and the other half in companies that most investors know and recognize, to encourage involvement. This combination of this index/themed investment approach seeks to provide a competitive, long-term investment return with low portfolio turnover, a capped expense ratio, while maintaining a "best of breed" growth company investment focus.

Disclosures

*An Automatic Investment Plan does not assure, and does not protect against, a loss in declining markets. Such a plan involves continuous investment in securities regardless of fluctuating price levels and investors should consider their financial ability to continue purchases through periods of low price levels.

**Source: http://www.travismorien.com/indexactive.htm (The Common Sense Truth About Managed Funds)

***The portion of the Fund that invests in underlying ETF’s that track the Index will be subject to certain risks which are unique to tracking the Index. By investing in ETF’s, you will indirectly bear your share of any fees and expenses charged by the underlying funds, in addition to indirectly bearing the principal risks of the funds. Please refer to the prospectus for further details.

Standard and Poor’s 500 Index The S&P 500 Index is the Standard & Poor’s Index of 500 stocks, a widely recognized, unmanaged index of common stock prices. It is not available for direct investment.

While the fund is no-load, management, distribution fees and other expenses may apply.

Monetta Financial Services, Inc. (MFSI) is the investment advisor to the Monetta Funds. The advisor has contracted with SAGE Scholars, Inc. to offer Tuition Rewards (points) to all Monetta Fund Shareholders that enroll in the Tuition Rewards program through Monetta's website.

Tuition Rewards are remitted solely as a reduction from the college’s full tuition bill and are not awarded in cash. Certain restrictions may apply. The Tuition Rewards program is offered and administered by SAGE Scholars, Inc., a private for-profit corporation. Monetta Financial Services, Inc., (MFSI) through a partnership with SAGE Scholars offers a college tuition reduction program that may be used at over 235 participating colleges nationwide. All costs for the College Savings Program, including participation in the Tuition Rewards Program, are paid by MFSI. For program details and restrictions please visit www.tuitionrewards.com.

Tuition Reward registration bonus points are issued one time only. If the investor and/or student already has a Tuition Rewards account through Monetta or another SAGE financial partner, he or she is not eligible for additional registration points.

For custodial accounts, MFSI has a "college savings program" where the Monetta Shareholders automatically receive an investment kit, a quarterly newsletter, various educational materials and in addition, if enrolled, will receive Tuition Rewards.

All costs for the College Savings Program, including participation in the Tuition Rewards Program, are paid by MFSI.

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		Monetta Young Investor Fund 1776-A S. Naperville Road, Suite 100 Wheaton, IL 60189 Toll Free (866)-964-4683

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