Choosing which mutual funds to invest in depends on factors such as your time horizon, income needs, and risk tolerance. As a general rule, the shorter your time frame is the less risk you should take because if the investment drops in value there may not be enough time for it to recover when you need the money. On the other hand, if you have 15+ years to invest, you may not want to be too conservative with the investment, as it may not grow enough to help you achieve that goal. Further considerations may include tax consequences (e.g. will the investment be owned inside of an IRA, how will withdrawals be taxed and at what rate, etc.).
These are just general guidelines. Your situation may be significantly different from others or you may just personally be a more or less aggressive investor than someone else. The Sit family of no-load mutual funds offers a variety of options to assist you in meeting your goals whatever your time horizon or risk tolerance may be. Below is a chart to help you match each Fund’s investment characteristics with your own personal situation and objectives.
| Fund Name | Income Potential | Growth Potential | Price Fluctuation |
| Sit Developing Markets Growth | Low | High | High |
| Sit ESG Growth | Low | High | High |
| Sit International Growth | Low | High | High |
| Sit Large Cap Growth | Low | High | High |
| Sit Mid Cap Growth | Minimal | High | High |
| Sit Small Cap Growth | Minimal | High | High |
| Fund Name | Income Potential | Growth Potential | Price Fluctuation |
| Sit Balanced | Low-Medium | Medium | Medium |
| Sit Divident Growth | Low-Medium | Medium-High | Medium-High |
| Sit Global Divided Growth | Low-Medium | Medium-High | Medium-High |
| Sit Small Cap Divided Growth | Low-Medium | Medium-High | Medium-High |
| Fund Name | Income Potential | Growth Potential | Price Fluctuation |
| Sit Minnesota Tax-Free Income | Medium-High | Low-Medium | Low-Medium |
| Sit Quality Income | Low-Medium | Low | Low |
| Sit Tax-Free Income | Medium-High | Low-Medium | Low-Medium |
| Sit U.S. Government Securities | Medium | Low | Low |
Your choice of investment products will depend on your investment goals and time horizons, as well as your tolerance for risk. A diversified portfolio of growth and income invested in an array of products helps investors weather market volatility and adapt to market trends. Here are a few ways to allocate your portfolio to fit your goals, timelines, and risk tolerance.
The table below illustrates how Sit Mutual Funds can be used to build diversified portfolios aligned with your investment objectives. Each fund is grouped by category to assist in constructing an allocation strategy tailored to your goals, time horizon, and risk tolerance.
Contact our team at 800-332-5580, weekdays from 7:30am - 5:30pm central time, or use our contact form to connect with a representative.
Carefully consider the Fund’s investment objectives, risks, charges and expenses before investing. The prospectus contains this and other important Fund information and may be obtained by calling Sit Mutual Funds at 1-800-332-5580 or by downloading them from the Documents page. Read the prospectus carefully before investing. Investment return and principal value of an investment will fluctuate so that an investor’s shares when redeemed may be worth more or less than their original cost.
The content herein is for informational purposes only without regard to any particular user’s investment objectives, risk tolerances or financial situation and does not constitute investment advice, nor should it be considered a solicitation or offering to sell securities or an interest in any fund.
Opinions and statements of financial market trends that are based on current market conditions constitute our judgment and are subject to change without notice. We believe the information provided here is reliable but should not be assumed to be accurate or complete. The views and strategies described may not be suitable for all investors, and readers should not rely on this publication as their sole source of investment information.
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