Allstate(R) - Rob Luley Jr.

	Rob Luley Jr.		(704) 363-3870
	Allstate Personal Financial Representative

Allstate Products / Mutual Funds

Mutual Funds

Not many people are experts at picking stocks, bonds and money market instruments that consistently outperform the market. Mutual funds can offer you the benefit of experienced professionals. Run by money managers, funds are actually owned by many individual investors, whose funds are pooled and invested in a range of carefully chosen stocks, bonds and money market instruments.

PRODUCTS AVAILABLE

Stock, Bond & Money Market Funds

Stock funds (or equity funds) generally seek to achieve long-term growth by investing primarily in stocks. Bond funds generally seek to provide a dependable, but usually lower, rate of return than stock funds by investing only in corporate or government bonds. Money market funds (or cash equivalent funds) seek to preserve your investment by investing in high-quality, short-term securities such as U.S. Treasury Bills and certificates of deposit (CDs).

Mutual Fund Families

Allstate has partnered with several highly regarded mutual fund families to offer you a range of mutual fund investment options. These include: AIM Investments, American Funds, Fidelity Investments, Lord Abbett and OppenheimerFunds.

How can an Allstate Personal Financial Representative help?

I have the experience to help you define your financial goals and create an effective way to achieve them. If you would like to discuss Mutual Funds, call me at (704) 363-3870

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Find out how to include Mutual Funds in your financial plan. An Allstate Personal Financial Representative can help you explore your product options.

Begin securing your financial future today.

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Know What You're Getting Into with Mutual Funds

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Allstate does not provide tax advice. Please consult your tax advisor for specific information.

You should carefully consider the investment objectives, risks, charges and expenses of mutual funds before purchasing shares or investing money. This information is only a summary. Additional information about these and other subjects can be found in the mutual fund prospectus. You may obtain copies of the prospectus from your Allstate Personal Financial Representative. Please read the prospectus carefully before purchasing shares or sending money.

Rob Luley Jr. is licensed to sell Allstate insurance products only in the state(s) of NC and SC. The material contained in this Web site is applicable only in the state of SC. If you do not reside in the state(s) of NC and SC, please go to the Find an Agent section on allstate.com to search for another Allstate representative.

This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers a variety of products including life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, mutual funds and 529 Plans, are available only through securities licensed representatives, and sales material must be accompanied by a prospectus. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL., and Lincoln Benefit Life Company: Home Office, Lincoln, NE. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC. Registered Broker-Dealer, Member NASD, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727.

Banking products offered through Allstate Bank, Member FDIC. Other products sold by Allstate are not insured by the FDIC, are not a deposit or other obligation of or guaranteed by Allstate Bank, and may be subject to investment risks, including possible loss of principal amount invested.

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(03/15/2006)