1.   Franklin Resources Inc., the owner of the Franklin Templeton funds group, is adding a riskier fund to its mix.

2.   However, as a slightly riskier fund it might not be the best option for someone whose top priority is security rather than performance.

3.   I have looked at the prospectuses for the Vanguard Wellington and Windsor funds, as well as Health Care and other riskier funds.

4.   In the bull market of recent years, it makes sense that the riskier funds would outperform, he said.