At last, you no longer have to pay high commissions and fees for great investment advice. Zions Direct introduces Target Portfolios, a simplified approach to asset allocation, diversification, and expected return maximization. Each Target Portfolio is comprised of low expense exchange traded funds (ETFs), which can be traded online for a low $10.95 commission. We call this service Great Advice for Less SM.

Which Portfolio is Right for You? Step 1 Complete the Target Portfolio Investor Questionnaire to determine your investor profile. Click here to download Step 2 Select your profile below:  Your Investor Profile Select Conservative Moderately Conservative Moderate Moderately Aggressive Aggressive Step 3 Review the recommended portfolio. Step 4 Buy - Invest online for $10.95 per trade or contact Zions Direct 1-800-524-8875 and speak with a Zions Direct Financial Representative. Step 5 Keep your investments on track by rebalancing your portfolio at least annually. Do-it-yourself online or call Zions Direct 1-800-524-8875.

The Zions Direct Target Portfolio return figures for the Balanced, International Balanced, and Accumulation portfolios are calculated using historical data from January 1980 - March 2008. The Portfolio return figures for the Short Cash Flow and Intermediate Cash Flow portfolios are calculate using historical data from July 1993 - March 2008. Performance is calculated on an annualized basis for the past 1, 3, 5 years. Best and worst year are determined by the maximum and minimum annual return achieved on a rolling 1-year basis over the available historical time frame. Performance includes reinvestment of dividends and interest. Portfolios are unmanaged and are assumed to be rebalanced monthly. Past results are not indicative of future performance.

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Before investing in any ETF, be sure to carefully consider the particular ETFs investment objectives, risk, charges, and expenses involved. Please read the prospectus carefully before investing.

ETFs are subject to risk similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. ETFs do not outperform the index they're tied to.

Frequent dollar-cost averaging may generate trading costs that outweigh any cost benefit over a traditional index fund. Trading prices may not reflect the actual Net Asset Value of the underlying securities.

To determine if the fund(s) are an appropriate investment for you, carefully consider the funds' investment objectives, risk factors and charges and expenses before investing. This and other information can be found in the funds' prospectuses, which may be obtained by calling Zions Direct at 1-800-525-8875.

Diversification strategies do not assume a profit and do not protect against losses in declining markets.

iShares is a registered trademark of Barclays Global Investors, N.A. All other trademarks, servicemarks, or registered trademarks are the property of their respective owners.