To achieve the objective of capital appreciation, funds are invested primarily or exclusively in a diversified equity portfolio and equity mutual funds, regardless of current income. The goal of achieving the objective of capital appreciation is further facilitated by reinvesting the income generated by the portfolio and limiting withdrawals in adverse market conditions. If individuals' risk tolerance is a little conservative compared to most who opt for this portfolio, funds can also be invested in money market funds, certificates of deposit, high-quality bonds with maturities of one to fifteen year, inflation-protected bonds and high-yield bond funds to smooth out some of the capital fluctuations