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. Determine your appropriate account type:

Individual or Joint Account (direct, taxable, non-retirement investment account)

Custodial Account (i.e. Uniform Gift/Transfer to Minor Account (UGMA/UTMA))

Health Savings Account (HSA) | Education Savings Account (ESA)

Retirement Plans: Traditional IRA | Roth IRA | SEP IRA | SIMPLE IRA | 401(k) Plans

Step 2 of 5. Select appropriate Fund(s):

Fund:		Objective:
	Amana Income	Current income and preservation of capital.
	Amana Growth	Long-term capital growth.
	Amana Developing World	Long-term capital growth.
	Sextant Growth	Long-term capital growth.
	Sextant International	Long-term capital growth.
	Sextant Core	Long-term capital appreciation and capital preservation.
	Sextant Global High-Income	High income, with a secondary objective of capital preservation.
	Sextant Short-Term Bond	Capital preservation and current income.
	Sextant Bond Income	Current income.
	Idaho Tax-Exempt	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.

Step 3 of 5. Carefully read the prospectus of your selected Fund(s):

Amana Funds | Sextant Funds | Idaho Tax-Exempt Fund

Step 4 of 5. Fill out the appropriate application.

Amana Funds Application | Sextant Funds Application | Idaho Tax-Exempt Fund Application

IRA | ESA | HSA | SEP IRA | SIMPLE IRA

Step 5 of 5. Return forms and contributions to Saturna:

Saturna Capital
P.O. Box N
Bellingham, WA 98227-0596

Please consider an investment's objectives, risks, charges and expenses carefully before investing. This and other important information is contained in each Fund's prospectus which you may obtain by clicking the links above or by calling toll-free 1-800-SATURNA for printed copies. Please read the prospectus carefully before investing.

The value of Fund shares rises and falls as the value of the sercurities in a Fund invests goes up and down. Only consider investing in the Funds if you are willing to accept the risk that you may lose money. Fund share prices, yields and total returns will change with the fluctuations in the securities markets as well as the fortunes of the industries and companies in which the Funds invest.

The Amana Funds limit the securities they purchase to those consistent with Islamic principles which limits opportunities and may increase risk.

Growth funds may invest in smaller companies, which involve higher investment risks in that they often have limited product lines, markets and resources, or their securities may trade less frequently and have greater price fluctuation than those of larger companies. 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.

International investing involves additional risks not typically associated with investing in U.S. securities such as currency exchange rates, less public information about securities, less government market supervision and lack of uniform financial, social and political standards.

The risks inherent in the bond Funds depend primarily on the terms and quality of 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 are usually more sensitive to interest rate changes than those with shorter maturities. These Funds also entail credit risk, which is the possibility that a bond issuer will not be able to pay interest or principal when it is due.