Get Started: How To Invest
Saturna Capital offers many different account types with varying contribution limits, policies, and objectives. If you need help or have questions, please call us at 1-800-SATURNA (1-800-728-8762).
Step 1 of 5 — Choose An Account
The links below lead to more information about the account type specified to help you make an informed decision about which account type is best for your situation.
Individual Retirement Plans:
Step 2 of 5 — Choose Funds
We offer a selection of Saturna no-load mutual funds with a variety of investment objectives. By investing in more than one fund, you can tailor your account to reflect your own risk and return objectives.
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|Amana Income||Investor Shares: AMANX
Institutional Shares: AMINX
|Current income and preservation of capital.|
|Amana Growth||Investor Shares: AMAGX
Institutional Shares: AMIGX
|Long-term capital growth.|
|Amana Developing World||Investor Shares: AMDWX
Institutional Shares: AMIDX
|Long-term capital growth.|
|Sextant Growth||SSGFX||Long-term capital growth.|
|Sextant International||SSIFX||Long-term capital growth.|
|Sextant Core||SCORX||Long-term capital appreciation and capital preservation.|
|Sextant Global High-Income||SGHIX||High income, with a secondary objective of capital preservation.|
|Sextant Short-Term Bond||STBFX||Capital preservation and current income.|
|Sextant Bond Income||SBIFX||Current income.|
|Idaho Tax-Exempt||NITEX||Idaho Tax-Exempt Fund seeks to provide income free from Federal income, Federal alternative minimum, and Idaho state income taxes, with a secondary objective of capital preservation.|
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Step 3 of 5 — Read the Prospectus
The Prospectus contains important information, including a fund's investment objectives or goals, its strategies for achieving those goals, the principal risks of investing in a fund, a fund’s fees and expenses, and its past performance.
Step 4 of 5 — Apply
Please fill out the appropriate application for the account type you wish to open.
Be sure to include a legible photocopy of your driver's license, passport, or other government-issued identity document.
Step 5 of 5 — Return Forms
Please send all paperwork and contributions to our mailing address:
P.O. Box N
Bellingham, WA 98227-0596
A Few Words About Risk
By diversifying its investments, each Fund seeks to reduce the risk of owning only a few securities. Diversification does not assure a profit or protect against a loss in a declining market.
The Funds (except Sextant Growth and Idaho Tax-Exempt Funds) may invest in non-US companies and in foreign markets. Investing in foreign securities involves risks not typically associated directly with investing in US securities. These risks include fluctuations in exchange rates of foreign currencies; less public information with respect to issuers of securities; less governmental supervision of exchanges, issuers, and brokers; and lack of uniform accounting, auditing, and financial reporting standards. There is also a risk of adverse political, social, or diplomatic developments that affect investment in foreign countries.
The Amana Growth and Sextant Growth Funds typically invest in smaller and less seasoned companies than the Income Fund, which may lead to greater variability in the Growth Funds' returns. Growth stocks, which can be priced on future expectations rather than current results, may decline substantially when expectations are not met or general market conditions weaken.
The Sextant Core Fund involves the risks of both equity and debt investing, although it seeks to mitigate these risks by maintaining a widely diversified portfolio that includes domestic stocks, foreign stocks, short and long-term bonds, and money market instruments.
Investment in the Sextant Global High Income Fund entails the risks of both equity and debt securities, although it seeks to mitigate these risks through a widely diversified portfolio that includes foreign and domestic stocks and bonds. Issuers of high-yield securities are generally not as strong financially as those issuing higher quality securities. Investments in high-yield securities can be speculative in nature. High-yield bonds may have low or no ratings, and may be considered "junk bonds."
The risks inherent in the Sextant Short-Term Bond, Sextant Bond Income, and Idaho Tax-Exempt Funds depend primarily on the terms and quality of the obligations in their portfolios, as well as on bond market conditions. When interest rates rise, bond prices fall. When interest rates fall, bond prices go up. Bonds with longer maturities (such as those held by the Bond Income Fund) usually are more sensitive to interest rate changes than bonds with shorter maturities (such as those held by the Short-Term Bond Fund). The Funds entail credit risk, which is the possibility that a bond will not be able to pay interest or principal when due. If the credit quality of a bond is perceived to decline, investors will demand a higher yield, which means a lower price on that bond to compensate for the higher level of risk.
The Idaho Tax-Exempt Fund's investments are susceptible to factors adversely affecting Idaho, such as political, economic, and financial trends unique to this relatively small state. Investing only in Idaho bonds means that the Fund's investments are more concentrated than other mutual funds, and relatively few bond price changes may lead to underperformance compared to investments selected in greater number and/or from a wider universe.
Islamic principles restrict the Amana Funds' ability to invest in certain stocks and market sectors, such as financial companies and fixed-income securities. This limits opportunities and may increase risk.