What's New? Feddern Financial Consulting Group TODAY'S NEWS:

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1 Subject: Feddern Financial Consulting Group Newsletter What's New? Feddern Financial Consulting Group TODAY'S NEWS: The Dow Jones Industrial Average (DJIA) started the day in the black, but quickly erased its early gains, thanks to a disappointing day for retail stocks. Traders were also treading cautiously after some downbeat economic data, as the Fed weighs a likely rate hike next month. However, while stocks struggled on the final trading day of November, they still ended the month on positive ground. In this issue TODAY'S 401-k Asset Allocation Changes.

2 6 Things You Need to Know About the Chinese Yuan. AAII/LUG's Group Info ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ TODAY'S 401-k Asset Allocation Changes PLAN NAME BUY SELL LINK TO DETAILS and the Five Profiles FFCG-Ultimate: Anderson Law Nu-tec Roofing Nationwide: Ahead HR Socially Responsible: OneAmerica: TransAmerica - MEP The following market signal changes were issued by VectorVest as of:

3 Stock Market Call - DOWN: The "Holy Grail" is in CASH as of the above date: We run the algorithms every Friday night and make any changes the following MONDAY % YTD ( ) The following market signal changes were issued by Net-Signal as of: US STOCKS - BUY ( ) FOREIGN STOCKS- BUY ( ) EMERGING MARKETS - BUY ( ) GOLD - BUY ( ) The following market signal changes were issued by our LONG/SHORT S&P 500 as of Market Call - Based on the 20-day moving average of the S&P Spyders: SSO/ULPIX are LONG the S&P x2 SDS/URPIX are SHORT the S&P x2 As of this strategy has been added to and is available for all participants in our FFCG "Ultimate 401-k" platform custodied at Lincoln Trust CASH Bruce's Comment

4 The SPY gapped up slightly, traded down, traded up, traded down ending down $0.89. Volume was about twice that of Friday (not Bullish on a down day), Stochastics are just starting to roll over. This week, the ECB on Thurs, Friday is Jobs Report and two Fed governers speak... "If" the Bulls want to take this market to new highs, then they have their work cut out for them. The Bears "appear" to have the advantage, but we will just watch and see. Still in cash, will be until a Positive sign from the Bulls. 6 Things You Need to Know About the Chinese Yuan Shareholders in the International Monetary Fund voted on Monday to let the Chinese yuan (CNY) into the fund's basket of reserve currencies. It will now be a member in the IMF's elite club called the Special Drawing Rights (SDR). But what exactly does this mean? Here are six things to know about the decision. The SDR itself is not a currency The IMF created the SDR in 1969 as a supplement to foreign exchange reserve assets like gold and the U.S. dollar. In order to participate in the Bretton Woods system -- the first attempt at institutionalizing monetary relations among independent nations -- countries needed government holdings of gold and widely accepted foreign currencies. However, there was limited international supply of both gold and the U.S. dollar and therefore the IMF decided to create the SDR. The IMF actually allocates SDRs to its 188 member countries in proportion to their share of the global economy. (A reserve currency is a foreign currency held by central banks in significant quantities that is used in international transactions and is typically considered a "safe haven" currency.) The basket originally had 16 currencies The yuan is the fifth currency to comprise the SDR basket along with the U.S. dollar, the euro, the Japanese yen and the British pound. But the basket originally began with 16 currencies. It was then reduced to five in 1981, and to four in 1999 when the euro replaced the German mark and the French franc. The yuan was up for review in 2010

5 The IMF conducts a review of the SDR currencies every five years. During its last look in 2010, the executive board (24 directors) concluded that the existing four currencies would continue to comprise the SDR basket. China had met the gateway criterion but ultimately, the yuan -- also called the renminbi -- wasn't included because it was not judged to be "freely usable," which means a currency that's widely used to make payments for international transactions and widely traded in exchange markets. Since then, Chinese President Xi Jinping has prioritized serious reforms, including longer trading hours for the currency and more frequent debt issuance. Not all currencies are weighed equally With the yuan joining the club, the IMF had to develop a new weighting formula, which is based on factors like the value of the issuers' exports and foreign exchange turnover. The yuan will officially become a member of the basket as of Oct. 1, 2016, and the currencies will be weighted as follows: U.S. dollar %; euro %; yuan %; yen %; pound %. SDRs can be traded among IMF members Because SDRs are not a currency, they can't be used to purchase goods or services directly. However, countries can exchange them with one another, but they must first be converted into currency before use. Once the SDRs have been added to a country's official reserves, a country can exchange its SDRs for hard currencies through individual trading agreements. Also, a country's financial aid payments are denominated in SDRs rather than a single currency. For example, Greece made IMF payments in SDRs, not euros. It's mostly a symbolic move IMF Managing Director Christine Lagarde said on Monday that the inclusion of the yuan into the SDR basket "will bring about a more robust international monetary and financial system, which in turn will support the growth and stability of China and the global economy." Essentially a vote of confidence from the IMF, the inclusion might be an opportunity for China to use the move to continue its efforts on transparency and reform. And more tangibly, currency analysts say this move could fuel global demand for the yuan worth $500 billion over the next few years. How fitting for a currency which literally translates to the "people's currency" in Mandarin. AAII Group Info

6 ============================ AAII will Meet on THURSDAY at 6:00 PM at the AUDUBON CC The Audubon Country Club is conveniently located off Preston Highway, approximately one mile South of Eastern Parkway and North of I-264 (Watterson Expressway) in Audubon Park. After entering off of Preston onto Audubon Parkway, take the first right and go all of the way to the end and you will be at the entrance to the Club. Parking is very convenient. Since this meeting is sponsored by the Louisville Chapter of the American Association of Individual Investors, you are always asked to preregister by to attend this program, in order for the country club to provide appropriate seating arrangements. Please confirm your attendance by to There is a no charge for attending the meeting And this is not a "prospecting seminar" conducted by a financial services firm selling financial products, and your addresses will remain private and protected. You are also certainly invited to participate in the buffet dinner for $25. DEC 17, PM TENTATIVE Agenda: SPECIAL GUEST SPEAKERS: VIDEOS: "My Fall Forecast for a Most Difficult Time" -Harry Dent AND An update on all of the "Alternative Choices" from our model portfolios.

7 S&P LONG/SHORT - Bruce Richards (dissecting the disastrous 1st quarter) A NEW CHART that tells you "How Long You'll Live" UPDATE: A New Dividend Portfolio from the Highest Yielding Stocks in the DOW - REVISED UPDATE: A diversified Portfolio of GOLD and Gold Miners UPDATE: A New Portfolio of 13 REITs 19 Stock and Bond Indicators to Help You Determine "Where We Are" You don't need to be a member of AAII to attend this meeting DINNER: $25 Reservations Requested and Appreciated =================================================================== Louisville Users Group (LUGS) Info ============================ The next LUGS Will Meet SATURDAY - DEC 19 FREE - No Reservations needed 10:00 AM TENTATIVE AGENDA: How to mitigate the Downside risk in your portfolio while participating in the Upside o Discussions on Special VIDEO Reports by Harry Dent and James Dale Davidson -

8 "The Fall Forecast for a Most Difficult Time",,, What if they're wrong and What if they're RIGHT! o S&P LONG/SHORT (and the disastrous 1st and 2nd quarter) and the changes we've made in the indicators - Bruce Richards o 1%@Risk Portfolios - Update with details on how the daily process works o A New Dividend Portfolio from the Highest Yielding Stocks in the DOW - REVISED o A NEW Portfolio of 13 REITS o A NEW Portfolio of GOLD ETFs and MINERS. o The "Holy Grail" Stock Portfolio Using VectorVest Rules - UPDATED All portfolios will be updated as of 9/30/2015 MY Conference Room Coffee and rolls provided FEDDERN FINANCIAL CONSULTING GROUP 603 North Shore Drive - Suite 102 Jeffersonville, IN (502) Office (502) Otto Cell otto@fedderngroup.com Quick Links... Visit our Website

9 Otto G. Feddern Feddern Financial Consulting Group 603 North Shore Drive Suite 102 Jeffersonville, IN (502) Office (502) Cell Forward This was sent to by Update Profile/ Address Rapid removal with SafeUnsubscribe About our service provider. Feddern Financial Consulting Group 603 north shore drive suite 102 jeffersonville IN 47130