The Moderate Growth Model is for the moderate investor, includes stocks that will provide above-average income and whose prices have the potential to increase. Typically, more conservative investors will be most comfortable with this model. Stocks must pay a large enough dividend so that its yield ranks in the top half of all stocks. Stocks must have an average timely and safety rank. If the Timeliness or Safety rank drops below the average, the stock is automatically dropped from the portfolio. Here are some distinguishing features of the Growth Model: (1) The portfolio includes some value stocks, which are stocks with generally lower P/E ratios. (2) With few exceptions, the Betas of the stocks in this model—are mostly below—those in the Aggressive Model, which indicates that the risk associated with this Growth Model is less than the Aggressive Model.