Even though parents constantly think about saving for their child’s education and starting a college savings fund, most believe they can’t afford to. Young families are more concerned about car payments, mortgages or family vacation money than starting a college savings fund to save for college that is a decade or more away.

The dilemma is that educational costs can represent a major long-term financial burden that could affect a parent’s retirement savings and/or home equity if not taken seriously today.

“The key is to start investing, even a small amount, as early as possible”, says Bob Bacarella, President, Monetta Financial Services Inc. “You would be surprised by how fast an investment adds up when you invest a specific amount on a regular basis. For example, with an initial deposit of only $250, a $25 monthly automatic investment plan (AIP)* and a 7% investment return assumption, an account would be worth $11,095 over a 17 1/2 year period” (The example is hypothetical and must not be considered reflective of performance of any specific product).

Monetta offers an innovative college investment program that makes saving potentially achievable, plus much more...

•	Has a low initial minimum investment of $250 with a monthly AIP of $25.
•	Offers Tuition Rewards up to $25,000 (no cost to shareholders).
•	Provides a comprehensive saving and educational program that teaches basic investment concepts that will last a lifetime.
•	No-load fund options that include the Young Investor Fund and, for risk averse investors, a Government Money Market Fund.

To receive information on the Monetta’s College Savings Plan or Tuition Rewards Program, call 1-800-Monetta or email us at info@Monetta.com.

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Disclosures

The information provided represents the opinions of Monetta Financial Services and is for informational purposes only. It should not be construed as a recommendation to buy or sell any security, nor as investment advise.

*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.

All investments, including those in mutual funds, have risks and principal loss is possible.

While the Funds' are no-load, management and distribution fees and other expenses may apply.

An investments in the Government Money Market Fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

Tuition Rewards are remitted solely as a reduction from the college’s full tuition bill and are not awarded in cash. Tuition Rewards are not taxable and do not affect Federal financial aid eligibility. Tuition Rewards are administered by SAGE Scholars, a college savings plan founded by the former dean of admissions & financial aid at the Wharton Graduate School, University of Pennsylvania. Participating college's or universities may individually impose rules and regulations governing the use of these rewards. For further information about SAGE and a complete list of participating colleges, please visit www.tuitionrewards.com. By enrolling in the SAGE Scholars Program, you become a “sponsor”. A sponsor must identify designated students (“beneficiaries”) at least two years before beginning college; a sponsor can support multiple students from the same family. Children, grandchildren, stepchildren, nieces and nephews are eligible. A designated student may receive Tuition Rewards from multiple sponsors. Tuition Rewards are applied evenly over a four-year undergraduate education and accumulate semi-annually, equal to 2.5% of the sponsor’s account value on June 30 and December 31 of each year. Each student can apply “up to” a maximum of 25% per year of the participating college’s current annual tuition cost. Participating colleges reserve the right to send admissions information to designated students once they reach high school age. Colleges reserve the right to blend Tuition Rewards into a total financial aid package offered to admitted students, and participation in the Tuition Rewards Program is not a guarantee of admission.

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 cost for the College Savings Program including participation in the Tuition Rewards Program are paid by MFSI.

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